Loans for life’s unexpected expensesOUR PERSONAL LOANS WITH COMPETITIVE INTEREST RATES WILL HELP YOU ACCOMPLISH WHATEVER IT IS YOU NEED TO DO!

Do you need to consolidate debt? Finance a vacation? Pay for unexpected life events? Our personal loans* feature flexible terms, providing you with greater options and more security. Whether something needs your immediate attention or you have finally made the choice to make your lifelong dream come true, a personal loan may be just right for you.

• Fast processing• Convenient repayment terms• Efficient, personalized service

Call 912.236.4400 or visit gaheritagefcu.org to apply for your personal loan today.

*All loans subject to credit approval.

The real estate market is HOT-HOT-HOT and so are our mortgage loan rates!Spring is in the air which means homes are going up for sale! If you’re in the market for a new home, now is the time to look. But before your do, visit us first to understand your mortgage loan* options. We can help you set your budget before you fall in love with something out of reach.

• Fixed rate loans with terms up to 30 years

• Guidance from qualified mortgage loan representatives

• Pre-approval options

Apply for your sizzling mortgage loan today. Visit gaheritagefcu.org for more information. *All loans subject to credit approval.

NEWSLETTER • SPRING 2018

www.gaheritagefcu.org

Whether you hear a calling from the open road or open sea, we can help you answer that call with a boat, motorcycle, watercraft or RV loan*! With our competitive rates on new or used models, flexible terms and easyrefinance options, you’ll want to apply today and get a head start on your summer fun!

Answer your summer calling! Visit gaheritagefcu.org to apply for your summer toy loan today!*All loans subject to credit approval.

CHECK PLEASE!Shopping for an e-checking account that truly fits your needs? Look no further. We have the checking account you’ll be screaming for!

• No monthly service fees• Free e-statements• Online and mobile banking• Remote check deposit• Dividend bearing account options• No minimum balance• VISA debit card with signature based

Choice Card Rewards• Overdraft protection from savings• Free direct deposit• Free bill pay services• Access to more than 5,000 surcharge Free ATMs and

CO-OP Shared branches. No-surcharge ATM access • Outstanding dividend rate for balances up to $500*.

Don’t spend any more than you have to paying those high checking account fees elsewhere. Say “Checking please!” to open your e- checking account today! Other checking account options are also available. Visit gaheritagefcu.org for more information.

*Restrictions apply.

We are family!At GHFCU, we consider each and every member to be part of our family. And we’re always looking to grow our family!

Did you know that as a credit union member, your immediate family members are eligible to join too? Your family members could enjoy the many benefits credit union membership has to offer including higher rates of return, fewer or lower fees, fantastic loan rates, access to countless conveniences, and much more!

Help us grow our credit union family. Pass the savings onto yours! For more information, visit gaheritagefcu.org.

Progress is being made on the new GA Heritage FCU branch office construction in Rincon, GA and the opening is tentatively scheduled for late spring! The new 2,600 square-foot office will feature 3 lobby teller stations, a technology center, 3 offices, a conference room, a waiting area with coffee bar, 2 full-service drive-up teller lanes and a 24-hour ATM lane for added member convenience.

“Plans for this project have been in the works for some time,” adds Taratuta. “It is exciting to see those plans

being put into motion, and for us to continue to strive to make a difference in our community, and in the lives of our members.”

For more information, visit gaheritagefcu.org.

Every child dreams about their future. Some of those dreams may require money to come true. How do you help your children achieve their dreams?

One way is to help them learn how to save their money.

In April, GHFCU is celebrating Youth Month, which is a program that helps teach and encourage kids to develop good financial habits. Every member under the age of 18 who makes a deposit or opens a new savings or checking account from April 1 – April 30th will receive a free lunch box while supplies last.

The theme this year is “The Science of Saving,” showcasing fun, sci-fi-inspired characters. Science has proven that if you start with small goals, saving your money can become a regular habit. This year’s Youth Month inspires children to begin saving the money they earn so they can attain their dreams of a happy future.

To learn more, visit one our 3 conveniently located branches.

New branch office to open in late spring!

5 steps to buying your next carShopping for a new car this spring? FOLLOW THESE 5 EASY STEPS TO MAKE THE PROCESS SIMPLE AND FUN!

1. Narrow your choices and desired features online. Take some time to review vehicles of interest online from the various manufacturer and third party websites and identify the features most important to you. Once you know what you’re looking for, finding your car will be much simpler.

2. Get pre-approved for your auto loan at the credit union. Securing your rate and terms early lets you know exactly how much car you can afford and helps you stick to your budget.

3. Understand your trade-in value. If you plan to trade in your current vehicle, take some time to research it online so you have an idea of its accurate value.

4. Take it for a test drive. Start searching for vehicles that match your preferred criteria and budget, then take them for a test drive. With each vehicle, take your time really getting to know the car and understanding how it performs.

5. Review the deal and take delivery. Make sure to review the deal and take into consideration all of the additional costs including sales tax, license plate fees, document fees and registration. Once you’re 100% satisfied, then take delivery and enjoy your new ride!

Help us celebrate youth savings month!

Locations:1085 W. Lathrop Ave.Savannah, GA 31415

102 Park Ave.Pooler, GA 31322

200 Stephenson Ave.,Suite 100

Savannah, GA 31405

Opening 20185745 Hwy. 21 SouthRincon, GA 31326

912.236.4400www.gaheritagefcu.org

Smartline912.233.6491

1.800.408.6466

HolidaysBranches closed:

Memorial DayMonday, May 28

Independence DayWednesday, July 4

Georgia Heritage FCU recently sponsored the Effingham County Chamber of Commerce’s event: “A Night In Effingham” featuring a Taste of Effingham and The Fabulous Equinox Orchestra!

GHFCU

GHFCU SPONSORS A NIGHT IN EFFINGHAM

1. Start an emergency fund. Car repairs, ER visits, broken appliances…Sock some money away now so you’re prepared when life’s unexpected activities arise.

2. Save. The IRS allows you to directly deposit your refund in up to 3 accounts providing an easy way for you to automatically save a portion for the future.

3. Pay off debt. If you’re carrying high credit card debt or have other items to payoff, your refund is a great way to take care of those obligations.

4. Invest. Whether it’s your IRA, a college fund or the stock market, investing some or all of your refund might make the most sense for you.

5. Make home improvements. Have some ideas for upgrading your home? Use your refund to improve the worth of your house or take care of those pesky repairs you’ve been putting off.

6. Prepay your mortgage. If possible, use some of your refund to make extra payments on your mortgage. Reducing the principal balance can have a huge effect on the total life of the loan.

7. Take care of your car. Consider using a portion of your refund to maintain your vehicle. Whether you get new tires, a tune up or a full detailing, taking care of your car can help it perform longer.

8. Donate. Maybe you’ve been wanting to give to a charity, but never had the extra cash? Set aside a portion of your refund to give to your favorite cause.

9. Buy (or save for) large purchase items in advance. If you know you have college tuition, back to school supplies, new clothes or holiday gifts to buy later this year, set this money aside for those items or even buy them early for possible greater savings!

10. Have some fun. It’s okay to enjoy the money a little bit! Whether you want to travel, go out on the town or buy yourself a little something, have a little fun if you can afford it.

Expecting a tax refund this year? Here are 10 smart things to do with that money!