Whether you need a loan or a sound investment, doing business with Greenville Heritage FCU is a smart move for your financial future. GHFCU strives to be at the top of the market on dividend rates and consistently offers competitive loan rates. The following rate charts provide details on a wide variety of loan, savings and investment products designed to help you meet your financial needs.
| Checking Accounts | Minimum Deposit | Dividend Rate | APY | Minimum Balance |
|---|---|---|---|---|
| Basic | $50 | 0.02% ($250+) | 0.020% | None |
| Heritage Advantage | $100 | 0.50% (up to $15k) | 0.502% | None |
Effective September 1, 2022
| Type of Loan | Interest Rates (APR) |
|---|---|
| Certificate | 4.00% above members CD |
| Share Secured | 4.00% |
| Signature & Revolving Credit | As Low As 8.95% |
| Short Term, Small Amount Loans (STS Loans) | 28.00% |
| Type | Interest Rates (APR) |
|---|---|
| Platinum | 8.95%* |
| Gold | 13.95%** |
| Classic | 17.95% |
Effective January 1, 2023
|
Term |
As Low As |
|---|---|
| Up to 48 Month Financing | 5.99% |
| 60 Month Financing | 5.99% |
| 72 Month Financing | 6.49% |
| 84 Month Financing | 6.99% |
|
Term |
As Low As |
|---|---|
| Up to 72 Months Financing | 7.49% |
|
Term |
As Low As |
|---|---|
| Up to 48 Months Financing | 8.95% |
Effective January 1, 2023
| Land | As Low As 9.99% |
|---|
Fixed Rate 1st Mortgage as low as 2.50% APR depending on credit and application.
| 10 Year Financing | Index Rate |
|---|---|
| 15 Year Financing | Index Rate Basis Points |
| 20 Year Financing | Index Rate +35 Basis Points |
| 30 Year Financing | Index Rate +75 Basis Points |
|---|
2nd Mortgage/HELOC as low as 4.25% APR depending credit and application.
| 90% Loan to Value |
Rates as low as Prime plus .50% |
|---|
* All rates listed are lowest rates possible as of date noted. Rates are subject to change without notice and may vary based upon creditworthiness and term selected. Certain restrictions may apply.
Greenville Heritage Federal Credit Union NMLS# 627419
Effective January 1, 2023
| Savings Accounts | Minimum Deposit | Dividend Rate* | APY | Free Withdrawals** |
|---|---|---|---|---|
| $250 and Up | $5.00 | 0.05% | 0.050% | 4 Per Quarter |
| Tax & Insurance | $1.00 | 0.05% | 0.050% | 3 Per Quarter |
| Christmas Club | $1.00 | 0.05% | 0.050% | 1 Per Year in 4th Quarter |
| Vacation Club | $1.00 | 0.05% | 0.050% | 2 Per Year |
Effective February 1, 2021
| Investment | $1,000 to $50,000.99 | $50,001 to $100,000.99 | $100,001 and Up | ||||
|---|---|---|---|---|---|---|---|
| Term | Dividend Rate |
APY | Dividend Rate | APY | Dividend Rate |
APY | |
| 6 Months |
3.00% |
3.042% |
3.00% |
3.042% |
3.00% |
3.042% |
|
| 12 Months |
3.30% |
3.351% | 3.30% |
3.351% |
3.30% |
3.351% | |
| 18 Months |
3.40% |
3.454% | 3.40% |
3.454% |
3.40% |
3.454% | |
| 24 Months |
3.50% |
3.557% | 3.50% |
3.557% |
3.50% |
3.557% | |
| 30 Months |
3.50% |
3.557% | 3.50% |
3.557% |
3.50% |
3.557% | |
| 36 Months |
3.50% |
3.557% |
3.50% |
3.557% |
3.50% |
3.557% | |
| 48 Months |
3.00% |
3.042% | 3.00% |
3.042% |
3.00% |
3.042% | |
| 60 Months |
3.00%
|
3.042% | 3.00% |
3.042% |
3.00% |
3.042% | |
| 12-Month Special |
4.00% |
4.0742% |
4.00% |
4.0742% |
4.00% |
4.0742% | |
Effective November 16, 2022
| Individual Retirement Accounts | Minimum Deposit | Dividend Rate* | APY | Dividends Compounded/Credited |
|---|---|---|---|---|
| IRA Savings | $500 | 0.20% | 0.201% | Quarterly |
| 18 Months | $1,000 | 0.50% | 0.501% | Semi-Annually |
| 36 Months | $1,000 | 0.90% | 0.903% | Semi-Annually |
| 60 Months | $1,000 | 1.20% | 1.204% | Semi-Annually |
Effective September 1, 2022
| Minimum Deposit | Dividend Rate* | APY | Free Withdrawals** | |
|---|---|---|---|---|
| $250 - $10,000.99 | 1.00% | 1.005% | 6 per month | |
| $10,001 - $25,000.99 | 1.20% | 1.207% | 6 per month | |
| $25,001 - $50,000.99 | 1.60% | 1.612% | 6 per month | |
| $50,001+ | 2.00% | 2.019% | 6 per month |
Must maintain $1,000 balance to avoid fee of $10 per month.
October 1, 2022
| up to 144 Months | As Low As 8.49% |
|---|
| up to 120 Months | As Low As 8.99% |
|---|
| up to 72 Months | As Low As 8.99% |
|---|
| up to 72 Months | As Low As 8.99% |
|---|
Apply For Your Recreational Loan
Effective January 1, 2023
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
