Don’t miss the bus on back to school expenses

It’s not too late to play!

Summer is going by quickly and those school bells will be ringing in no time. Have you started your back-to-school shopping yet? Uniforms, backpacks, lunch boxes, school supplies…there is so much to buy to get the kids ready for school.

Our personal loans* with competitive interest rates may help you accomplish whatever it is you need to do. Whether it’s a small loan to cover classroom incidentals or a larger one to cover college expenses, a personal loan may be just right for you. Rates are as low as 8.95% APR** with terms up to 60 months.

You’ll also enjoy:• Fast processing• Convenient repayment terms• Efficient,personalizedservice

Don’t miss the bus on back-to-school expenses. Apply for a personal loan to cover back-to-school or college expenses by visiting us at www.gaheritagefcu.org or calling 912-236-4400 today!

*All loans subject to credit approval. Terms, conditions and membership requirements apply. | **Annual Percentage Rate.

Summer is just starting. It’s time to play! And take the vacation of a lifetime.Leaveyourworriesbehindasyoufinallyheadoutforthattripyou’vebeenplanningforyears.Withourpersonalizedserviceand competitive interest rates, you can apply for the new or used RV, camper, or motorhome you’ve always wanted.

If land travel is not your thing how about making your dream of owning your own boat a reality. Can you see it now? The wind in your hair, the smell of the open air, water splashing all around. If you’ve always wanted your own boat or personal watercraft, you may be on your way with a loan* from Georgia Heritage FCU.

Whether you’re off to a theme park, the beach or even to explore another country, we have the funds that can make the trip happen.

Plus, we offer:• Motorhome loan rates as low as 5.74% APR**• Boat loan rates as low as 8.99% APR For more information about our recreational vehicle and boat loans visit us at www.gaheritagefcu.org or calling 912-236-4400 today!

*All loans subject to credit approval. Terms, conditions and membership requirements apply. | **Annual Percentage Rate.

www.gaheritagefcu.org

Newsletter • Summer 2019

Before you leave, tell us when and where you’re traveling, as well as the Georgia Heritage debit or credit cards you’ll be taking with you so that we can monitor your accounts appropriately. Contact us at 912-236-4400 to notify us about your travel plans.

Why You Should Notify US Before TravelingYou’ve packed your suitcase, planned your itinerary, and checkedintoyourflight.Surelyyou’vedoneeverythingyouneed to prepare for your vacation, right?

There’s one small, but crucial step that people often forget before traveling out of the state/country: notifying their financialinstitution.

Notifyyourfinancialinstitutionbeforeusingacreditordebitcard when traveling.

Credit unions do whatever they can to protect you from identity theft. But if you’re not careful, your credit union’s eagernesscouldbackfirewhenyoutravel.Ourfraudservicesdepartmentanalyzesspendinghabitsoutofthenorm.

When you let your credit union know that you’re going away, they add a note to your account and share it with their fraud

detection system. This prevents your “abnormal” spending patterns from triggering a block on your card.

Other financial precautions to keep in mind when you travelNotifyingyourfinancialinstitutionaboutyourtravelplansisnottheonlyfinancialprecautionyoushouldtake.Youshould always have copies of your important documents and information, like their telephone number and your account numbers. If possible, bring more than one credit or debit card with you and stash one in a safe space outside your wallet in the event that your wallet is lost or stolen.

How to notify Georgia Heritage of your travel plans• You can contact us during normal business hours: M-Fri

9:00 am to 5:00 pm.• If you already use mobile banking, there’s a link under

“cards”forTravelNotifications.• If you don’t have our mobile application, call us at

800-442-8877 or 912-236-4400 to set up a travel alert on your account.

• You can also speak with a representative face-to-face in a branch during normal business hours Monday-Friday.

Safe travels!

Let us know before you go!

ENJOY EXCLUSIVE SAVINGS EVERY DAYMembers have saved nearly $2 billion with Love My Credit Union® Rewards!

Get more from your credit union membership at LoveMyCreditUnion.org

Bank according to your scheduleBank on your terms, on your time and according to whatever schedule you have on any given day. That’s mobile banking from GA Heritage FCU. Whether you’re traveling on business, at the park with the kids or vacationing with family, you can manage your funds with a quick tap on your phone.

What all can you do?• View transaction history of your accounts• Transfer funds between accounts• Pay your one-time or recurring bills• Apply for a loan• Deposit your checks remotely• Access your eStatements and more!

If you haven’t signed up for mobile banking yet, you’re missing out. Put the power of banking on your own terms into your fingertips.Signuptoday!

Download the app now!

5 Smart Money Management Tips1. Make a budget and track all money coming in and going out, accounting

for items such as books, supplies, food, personal care items, gas, laundry expenses and more. There are many online budgeting tools and money management apps to help.

2. Borrow only what you need. Don’t incur more student debt than you need. Take out loans to cover true school expenses (tuition, books, etc.) not lifestyle expenses.

3. Use credit cards wisely by limiting the number of credit card accounts you open and always paying your balance in full each month. If you don’t, you’ll incur interest on the remaining balance which continues to grow monthly, whether you make a purchase the next month or not.

4. Build good credit by paying your monthly bills in a timely manner. This might include cell phone bills, car insurance, credit card payments, utility bills and rent.

5. Protect yourself from identity theft by guarding your personal information – Watch your bank statements closely to ensure all transactions are accurate. Keep all of your personal information private (be careful of what you share on social media), shred paperwork that includes personal details and never share your passwords or PINs with anyone.

Don’t exit college with a mound of unnecessary, high interest debt. Follow these tipstominimizethatdebtandsetyourselfupwithasolidfinancialfoundation.

And while you are considering all these options to stay on track during your college years take a look at the amenities of the Georgia Heritage FCU Visa® Credit Card and the Visa® Secured Credit Card:

The Georgia Heritage FCU Visa® credit card offers convenience without the high costs.Therearenotransactionfees,annualfees,orminimumfinancecharges.Make purchases now and get Choice Card Reward Program points to redeem for travelandgiftcards/certificates.

You’ll also enjoy:• Competitive pricing• Agraceperiodof25daysonpurchasesforgreaterflexibility• Earning 1 point for every $1 spent in net retail purchases using your Georgia

Heritage FCU Visa® credit card through the Choice Card Reward Program

The Georgia Heritage FCU Visa® Secured credit card can help establish or improve your credit when you dedicate $500 to $5,000 in a secured savings account for a corresponding $500 to $5,000 credit limit on a secured Visa® credit card. The secured savings cannot be accessed while the credit line is open. Cardholders pay their Visa® scheduled payment every month to help establish or re-establishcreditworthiness.Thereisnoannualfeeorminimumfinancecharge.

Other highlights include:• Low Annual Percentage Rate• Flexibility and purchasing power• Earn 1 point for every $1 spent in net retail purchases using your Georgia

Heritage FCU Visa® credit card through the Choice Card Reward Program

Living Our MissionMaking a positive difference for our members and the communities we serve.

Earth Day The Savannah Chatham Sustainability Coalition and local community gathered at DaffinParkonApril20thtobecomethenucleusofthecity’sgreeninitiatives. GHFCU sponsored the celebration of environmentally responsible people and businesses in coastal Georgia. It is the city’s largest environmental outreach event of the year and the largest educational Earth Day event in the state of Georgia. Tybee CleanTybeeCleanBeachVolunteersisagrass-rootsorganizationmadeupoflocal volunteers who sweep Tybee Island’s beach free of trash on a regular basis. Armed with grabbers and buckets GHFCU volunteers hit the beach to remove the trash on April28th.TheTybeeCleanBeachorganizationsortsit,countsandstoresthetrash until it’s time to reuse, recycle or make art with what is collected.National Multiple Sclerosis SocietyAt Georgia Heritage FCU, we’re passionate about giving back to make an impact on our members and the communities we serve. That is why this year we raised money and participated in the walk for the National Multiple Sclerosis Society. The National Multiple SclerosisSocietyisanon-profitorganizationwithchapterslocatedthroughoutthe UnitedStates.Theorganizationfundsresearch,advocatesforsocialandpoliticalchange,

provides education and sponsors services that help people with multiple sclerosis and their families. This year with the help of member and employee donations and branch and individual fundraisers, we raised over $1,700. The National Multiple Sclerosis walk was on May 4. The team walked 3 miles for the charity.

GHFCU’s Youth Financial Empowerment Campaign is a SuccessIn February, GHFCU began a campaign to stress the benefitsofyouthsaving,TheOliveYouthChallenge.A part of the campaign was to promote youth savings

accounts through the branches. The campaign lasted three months and ended on April 30th coinciding with the National Credit Union Youth Month celebration. The campaign resulted in 77 new youth accounts, 39 of which were opened by the Pooler frontline employees and 15 of which were opened by TiffanyJacksonofthePoolerbranch.Asaresult,Poolerwonthefirst,“OliveYouthChallenge.”

GHFCU Awards Three College Scholarships to Members Georgia Heritage FCU recently awarded three college scholarships to members of the credit union attending college in the fall. A $2,000 scholarship went to the high school senior with the highest application score, $1,500 for the second highest score and $500 for the next highest score.

Congratulations to the 2019 GHFCU college scholarship recipients:1st Place ($2,000 scholarship) - Nathan Wetmore (Savannah) of Savannah Christian Preparatory School

2nd Place ($1,500 scholarship)-MakailaWyatt(Rincon)ofEffinghamHigh School in Rincon

3rd Place ($500 scholarship) - Peyton Mercer (Port Wentworth) of GeorgiaCyberAcademyHighSchool(VirtualHighSchoolcertifiedbyGeorgia Department of Education)

Scholarships are available to GHFCU members in good standing. Anyone who lives, works, worships or attends school in Chatham, EffinghamandBryancountiescanopenanaccountatGHFCU.

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

102 Park Ave.Pooler, GA 31322

200 Stephenson Ave.,Suite 100

Savannah, GA 31405

5745 Hwy. 21 SouthRincon, GA 31326

912.236.4400www.gaheritagefcu.org

Smartline912.233.6491 • 1.800.408.6466

Holidays – Branches closed:

Independence Day:Thursday, July 4, 2019

Labor Day:Monday, September 2, 2019

Federally insured by NCUA

GHFCU

GHFCU President and CEO, Dale Taratuta, presents check to

Nathan Wetmore

GHFCU President and CEO, Dale Taratuta, presents check to

Makaila Wyatt

GHFCU President and CEO, Dale Taratuta, presents check to

Peyton Mercer