*APR = Annual Percentage Rate. The rate you receive will be based on certain creditworthiness. Please ask us for the rate for which you qualify. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts, and loan-to-value requirements. Additional conditions apply. Call our mortgage loan specialist, Mary Heinecke, at 864.688.1164 for additional information.
1The initial
rate for the Home Equity Line of Credit (HELOC) low introductory rate promotion
is a fixed rate not based on the index and margin used for subsequent rate
adjustments. The HELOC Promotion has an initial rate of 3.99% APR fixed for the
first 12 months. After the introductory 12-month
period, the APR can vary and is based on Prime Rate plus a margin of +0.50% to
+2.50% based on credit rating. The APR is subject to change on the 10th of each
month, based on changes to Prime Rate, the highest Prime Rate published in the
Wall Street Journal "Money Rates" table on the 20th of the prior
month. Minimum APR 3.50%, maximum APR 18.00%. Max LTV for HELOC is up to 90%
CLTV. HELOC qualifies for introductory rate with a minimum credit line of
$20,000 and a loan amount of $5,000 taken at closing. During the draw period,
you may withdraw (advance) funds up to your credit line limit and pay amortized
principal and interest payments on the outstanding balance monthly. After the
draw period, you may not withdraw any more funds from the line. After the draw
period end, you will continue to pay the amortized principal and interest
monthly. Offer not applicable on refinance of existing GHFCU HELOCs. There are
no loan processing or early closure fees and no prepayment penalty. Borrower is
responsible for closing costs ranging from $700 to $1,600 including appraisal. GHFCU does not offer escrow services. Rates, terms, and conditions are subject to
change without notice.
Real
Estate loans are available for owner-occupied properties in the state of South
Carolina only.
"I love this bank! They know you by name and remember your face and they really make decisions on a personal basis unlike large banks where you’re just a number. I refinanced my Jeep with them and can't wait until I refinance my house with them too!"
"We left Suntrust Bank in 2009 because we didn't receive personal attention, and it became obvious we were just a number. We have been members at GHFCU ever since and have always been pleased with the service. We feel we have a true partnership in GHFCU when it comes to our financial needs."
"I've been with this credit union about fifteen years now. They've helped me purchase two cars and have always helped me when I was in a tight spot. They have some real decent people working here."
Our mission is to promote the personal financial success of our member owners by providing affordable financial services.
Call 864.370.5670 during normal business hours or complete our simple online form.
Apply NowWe have four convenient locations in Downtown Greenville, County Square, SCTAC, and Simpsonville.
Locations
Greenville Heritage Federal Credit Union was established in 1941 as a not-for-profit financial institution owned by its members and governed by a member-elected Board of Directors. Initially chartered to serve City of Greenville employees, the charter was later expanded to include Greenville County employees and various other select employee groups.
520 W. Washington Street Greenville, SC 29601
864.467.4160
