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

Checking Accounts Minimum Deposit Dividend Rate APY Minimum Balance
Basic $50 0.02% ($250+) 0.020% None
Heritage Advantage $100 0.35% (up to $15k) 0.351% None
Checking

Effective August 1, 2021

Personal Loans

Type of Loan Interest Rates (APR)
Certificate 3% above members CD
Share Secured 3%
Signature & Revolving Credit As Low As 6.95%
Short Term, Small Amount Loans (STS Loans) 28.00%

Visa Credit Cards


Type Interest Rates (APR)
Platinum 6.95%
Gold 11.95%
Classic 17.95%

Apply For Your Personal Loan

 

Effective November 1, 2021

Auto Loans

2021-2017 Vehicles with less than 50,000 miles < 125% LTV

Term

As Low As

Up to 48 Month Financing 1.99%
60 Month Financing 1.99%
72 Month Financing 2.49%
84 Month Financing 2.99%

2011-2016 Vehicles with 50,001 to 130,000 miles

Term

As Low As

Up to 48 Months Financing 4.49%

Used Vehicles with more than 130,000 miles

Term

As Low As

Up to 36 Months Financing 6.95%

Apply For Your Auto Loan

Effective November 1, 2021

Mortgages

Land  As Low As 6.99%

Mortgage Loans/Fixed Rate for 1st Mortgage up to 30-Year term

Fixed Rate 1st Mortgage as low as 2.50% APR depending on credit and application.

2nd Mortgage Rates 1.25% Higher

2nd Mortgage/HELOC as low as 4.25% APR depending credit and application.

10 Year Financing Index Rate
15 Year Financing Index Rate +35 Basis Points
20 Year Financing Index Rate +50 Basis Points

Home Equity/Variable Rates (Subject to change quarterly)

90% Loan to Value Rates as low as Prime plus .50%

Apply For a Mortgage

* 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 March 1, 2021

Savings

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

Savings

 

Effective February 1, 2021

Term Share Certificates


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
12 Months

0.10%

0.101% 0.15%

0.151%

0.20%

0.201%

18 Months

0.10%

0.101% 0.15%

0.151%

0.20%

0.201%

24 Months

0.10%

0.101% 0.15%

0.151%

0.20%

0.201%

30 Months

0.15%

0.151% 0.20%

0.201%

0.25%

0.251%

36 Months

0.15%

0.151% 0.20%

0.201%

0.25%

0.251%

48 Months

0.15%

0.151% 0.20%

0.201%

0.25%

0.251%

60 Months

0.20%

0.201% 0.25%

0.251%

0.30%

0.301%

Savings

 

Effective August 1, 2021

IRAs

Individual Retirement Accounts Minimum Deposit Dividend Rate* APY Dividends Compounded/Credited
IRA Savings $500 0.20% 0.201% Quarterly
18 Months $1,000 0.20% 0.201% Semi-Annually
36 Months $1,000 0.30% 0.301% Semi-Annually
60 Months $1,000 0.40% 0.401% Semi-Annually

Which IRA is Best for You?

 

Effective August 1, 2021

Money Market Checking

Minimum Deposit Dividend Rate* APY Free Withdrawals**
$250 - $10,000.99 0.02% 0.020% 6 per month
$10,001 - $25,000.99 0.05% 0.050% 6 per month
$25,001 - $50,000.99 0.05% 0.050% 6 per month
$50,001+ 0.10% 0.101% 6 per month

Checking

 

August 1, 2021

Recreational Loans

New Boats, Campers & Motor Homes

up to 60 Months
As Low As 4.99%
up to 144 Months As Low As 5.99%

Used Boats, Campers & Motor Homes

up to 60 Months As Low As 6.49%

New Motorcycles

up to 72 Months As Low As 4.99%

Used Motorcycles

up to 60 Months As Low As 4.99%

Farm Equipment

up to 72 Months As Low As 5.99%

Apply For Your Recreational Loan

 

Effective November 1, 2021

Top