Loans
Make a wish! We offer a wide variety of loans to help finance your dreams. You’ll find our rates competitive, our terms convenient, and the application process easy. And, because our lending decisions are made locally, you’ll usually receive an answer in just minutes! We make repayment easy, too. All Greenville Heritage FCU loans feature simple interest to save you money, a payment plan that fits your budget, and no prepayment penalties. Visit our web site for more detailed loan product information.
Mortgage Loans
Greenville Heritage FCU has a wide range of home purchase mortgage products - whether you are a first-time home buyer or a seasoned homeowner purchasing your dream home. Our experienced Mortgage Loan Officers will work with you to create a mortgage that fits your unique situation. And with our Real Estate Rewards program, you may be eligible to receive up to $2,500 cash back, based on the purchase price of your home!
Fixed Rate and Adjustable Rate Mortgages
We have fixed-rate mortgages with terms ranging from 10 to 40 years. These are lower risk loans with fixed monthly payments and interest rates for the life of the loan. If you are not planning to stay in your home for long, you can take advantage of an adjustable rate mortgage with initial interest rates and payments that are lower than the standard fixed rate mortgages. We have flexible 1-year, 3-year, 5-year,7-year, and 10-year ARMs.
Home Equity Loans & Home Equity Lines of Credit
Need a new kitchen? Home improvement plans? Want to consolidate high interest debt? When you need money to pay for life’s major expenses, the equity that is built up in your home can be a source of real borrowing power.
If your needs don’t fit within the framework of more traditional mortgage loans, we have the following options for you.
- No & Low Down Payment Programs
- Land Loans
- And many more!
Vehicle Loans
If you’re in the market to purchase or refinance a new or used vehicle, take advantage of our great auto loans! Unlike many financial institutions, we’ll finance cars and trucks up to 10 model years old. And for your added protection when you’re purchasing a used vehicle, we’ll provide you with one free Consumer Guide© report, which includes detailed information on the vehicle’s history.
Tax Advantage Loans
Our Tax Advantage Loans give you all the benefits of a Home Equity Loan without the hassles and equity is not required. You can borrow as little as $2,000 with no fees or closing costs1. Plus, your interest payments may be tax deductible2. Tax Advantage Loans are available for any secured loan except those secured by shares and certificates.
1 Excluding mortgage filing fee. Private mortgage insurance may be required if the loan-to-value ratio exceeds 80%. 2 Ask your tax advisor for details.
Collateral Loans
Similar to vehicle loans, we can finance just about anything of value, including new and used motorcycles, boats, campers, recreational vehicles, farm equipment, and personal watercrafts. We offer extended payment terms for luxury RVs and boats.
Personal Loans
Take a trip, buy a new computer, or finance anything you have in mind with a personal loan of up to $15,000. Flexible terms of up to 42 months are available.
Revolving Lines of Credit
Feel secure in knowing you have a line of credit available whenever you need it. You borrow only the amount you need, and your payment is based on the loan balance.
Short Term Notes
Short Term Notes are helpful when you are anticipating money from a tax return, inheritance, or similar payment. We will schedule a single payment up to 90 days from the loan date.
VISA Credit Cards
Our VISA Credit Cards are designed to give you freedom and flexibility when making purchases or payments. Platinum, Gold and Classic cards featuring low annual percentage rates are available. Up to $10,000 credit limit with no annual fee, no cash advance or balance transfer fees and a 25-day grace period for purchases. We also offer student VISA credit cards. For your convenience, you can manage your credit card account online at www.ezcardinfo.com.
Holiday Loans
Don’t put off holiday shopping this year! Borrow up to $1,000 with a Holiday Loan from Greenville Heritage FCU. Available in November and December, our holiday loans are a smart, economical alternative to high interest credit cards.
Vacation Loans
Need a vacation, but don’t want to charge up your credit cards? Then, our Vacation Loan is for you! You can borrow up to $1,000 at our low interest rates. Available in June, July and August, our vacation loans are a smart, economical alternative to high interest rate credit cards.
Certificate and Share Secured Loans
Borrow against your Term Share Certificates or Share Accounts and continue earning dividends while you have use of the funds at very low borrowing rates. You can borrow up to 100% of value and take up to 144 months to repay the loan.
Applying for a Greenville Heritage FCU loan is FREE, fast and easy! Apply Online Now
Or you can choose to visit or call one of the following branch offices:
Downtown (Luann - 467.4166; Mark - 467.4178)
Donaldson Center (Emily - 370.5665)
Simpsonville (Lisa - 228.6107; Leslie - 228.6106)
Loan products are subject to change without notice.