Rates
One of the “Benefits of Ownership” in Greenville Heritage FCU is access to higher dividend rates on deposits and lower interest rates on loans. We regularly compare our rates to those of other financial institutions in our market to ensure that we are competitive.
Loan Rates
Greenville Heritage FCU strives to offer the lowest loan rates; therefore, we'll consider matching any lower rate found. See the chart below for our lowest rates on a wide variety of loan products designed to help you meet your financing needs, including:
| Loans |
APR |
2011-2007 Vehicles with less than 75,000 miles
|
|
| 36 Month Financing |
3.99 |
| 48 Month Financing |
4.49 |
| 60 Month Financing |
4.99 |
| 72 Month Financing |
5.49 |
| 2006 - 2000 Vehicles or those with more than 75,000 miles |
|
| Up to 48 Months Financing |
4.99 |
| New Boats, Campers & Motor Homes (up to 60 months financing) |
6.49 |
| New Boats, Campers & Motor Homes (61 to 120 months financing) |
7.99 |
| Used Boats, Campers & Motor Homes (up to 60 months financing) |
7.99 |
| New Motorcycles (up to 60 months financing) |
5.99 |
| Used Motorcycles (up to 48 months financing) |
6.99 |
| New Farm Equipment (up to 48 months financing) |
6.99 |
| Platinum VISA Charge Card |
9.95 |
| Gold VISA Charge Card |
13.95 |
| Classic VISA Charge Card |
17.95 |
| Signature & Revolving Credit |
8.95 |
| Land |
7.49 |
| Certificate & Share Secured |
3% above Certificate or Savings Rate |
| Mortgages (No Points or Origination Fees!) |
|
| Fixed-Rate First Mortgages |
Add 1% for Second Mortgages |
| 8-Year Financing |
bankrate.com rate |
| 10-Year Financing |
bankrate.com rate + .25% |
| 15-Year Financing |
bankrate.com rate + .50% |
| Home Equity - Variable Rates |
|
| 50% Loan to Value |
As low as Prime less 2% |
| 85% Loan to Value |
As low as Prime less 1% |
Rates Effective September 16, 2009
|
We would love to discuss your next purchase with you and give you the tools to help you to negotiate the best deal. Knowledge is power and can save you lots of money!
Please call our Home Office at 467.4160, Donaldson Center office at 370.5665, County Square at 370.5663, or our Simpsonville office at 228.6106 for current rates and financing terms. Or, you can apply online 24 hours a day.
*APR is Annual Percentage Rate. Actual interest rate will be based on individual factors including credit worthiness, terms, and condition of collateral. Rates are subject to change without notice.
Go To Loan Application | Go To Calculators
Savings Rates
Greenville Heritage FCU strives to offer the highest dividend rates possible to help you maximize your investments. The chart below details our rates on a wide variety of savings and investments products designed to help you meet your financial needs, including:
| Savings |
Dividend Rate |
APY* |
Term |
| Savings up to $2,000 |
0.250 |
0.250 |
n/a |
| Savings $2,000 or more |
0.500 |
0.500 |
n/a |
| Tax/Insurance Account |
0.250 |
0.250 |
n/a |
| Checking |
0.250 |
0.250 |
n/a |
| Money Market Checking up to $5,000 |
0.500 |
0.500 |
n/a |
| Money Market Checking $5,000 to $25,000 |
0.750 |
0.750 |
n/a |
| Money Market Checking $25,000 or more |
1.000 |
1.000 |
n/a |
| Christmas Club |
0.250 |
0.250 |
n/a |
| Vacation Club |
0.250 |
0.250 |
n/a |
| Fixed Rate Term Share Certificates ($500 minimum) |
0.990 |
1.000 |
3 |
| Fixed Rate Term Share Certificates ($500 minimum) |
1.009 |
1.100 |
6 |
| Fixed Rate Term Share Certificates ($500 minimum) |
1.290 |
1.300 |
12 |
| Fixed Rate Term Share Certificates ($500 minimum) |
1.490 |
1.500 |
18 |
| Fixed Rate Term Share Certificates ($500 minimum) |
1.790 |
1.800 |
24 |
| Fixed Rate Term Share Certificates ($500 minimum) |
1.880 |
1.900 |
30 |
| Fixed Rate Term Share Certificates ($500 minimum) |
2.080 |
2.100 |
36 |
| Fixed Rate Term Share Certificates ($500 minimum) |
2.180 |
2.200 |
48 |
| Fixed Rate Term Share Certificates ($500 minimum) |
2.280 |
2.300 |
60 |
| IRA - Variable |
1.980 |
2.000 |
n/a |
| IRA - Fixed ($500 minimum) |
1.980 |
2.000 |
18 |
| IRA - Fixed ($500 minimum) |
2.230 |
2.250 |
60 |
| Rates Effective January 1, 2010 |
*APY=Annual Percentage Yield. Anticipated dividend rate subject to change prior to quarter end. Disclosures available upon request. Substantial penalty for early withdrawals apply to term share certificates and fixed rate IRAs. Dividend Rates and APYs are subject to change without notice. Any fees or penalties may reduce dividends but will never reduce principal. All savings are insured up to $250,000 by the National Credit Union Association, a U.S. government agency. IRAs are insured up to $250,000.