We now offer Remote Deposit Capture through our mobile app - GHFCU 2 Go! Click here for product details! 

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 0.05% ($250+) 0.05% None
Heritage Advantage $100 2.08% (up to $15k) 2.10% None
Checking

Personal Loans

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

Visa Credit Cards

Visa Platinum 6.95%
Visa Gold 11.95%
Visa Classic 17.95%
Apply For Your Personal Loan

Auto Loans

2018-2014 Vehicles with less than 50,000 miles

Term

As Low As

36 Month Financing 2.49%
48 Month Financing 2.49%
60 Month Financing 2.99%
72 Month Financing 3.99%
84 Month Financing 4.99%

2008-2013 Vehicles with 50,001 to 100,000 miles

Term

As Low As

Up to 48 Months Financing 4.99%

Used Vehicles with more than 100,000 miles

Term

As Low As

Up to 36 Months Financing 6.95%
Apply For Your Auto Loan

Mortgages

Land  As Low As 7.49%

Mortgage Loans/Fixed Rate for 1st Mortgage up to 20 year term

Fixed Rate 1st Mortgage Floor is 3.25%

2nd Mortgage Rates 1.5% Higher

2nd Mortgage/HELOC Floor is 5.50%

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)

85% Loan to Value Rates as low as Prime plus 3%

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 

Savings

Savings Accounts Minimum Deposit Dividend Rate* APY Free Withdrawals**
$250 to $2000.99 $5.00 0.05% 0.05% 4 Per Quarter
$2001 to $10,000.99 $5.00 0.10% 0.10% 4 Per Quarter
$10,000 and Up $5.00 0.15% 0.15% 4 Per Quarter
Tax & Insurance $1.00 0.05% 0.05% 3 Per Quarter
Christmas Club $1.00 0.05% 0.05% 1 Per Year in 4th Quarter
Vacation Club $1.00 0.05% 0.05% 2 Per Year

Savings

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
3 Months

0.70%

0.703% 0.75%

0.753%

0.80%

0.803%

6 Months

0.90%

0.904% 1.05%

1.056%

1.10%

1.106%

12 Months

1.65%

1.663% 1.75%

1.765%

1.85%

1.866%

18 Months

1.90%

1.917% 1.95%

1.968%

2.00%

2.019%

24 Months

2.05%

2.070% 2.10%

2.121%

2.15%

2.172%

30 Months

2.25%

2.274% 2.30%

2.325%

2.35%

2.376%

36 Months

2.40%

2.427% 2.45%

2.478%

2.50%

2.581%

48 Months

2.60%

2.632% 2.70%

2.734%

2.75%

2.770%

60 Months

3.00%

3.042% 3.10%

3.145%

3.15%

3.196%

Savings

IRAs

Individual Retirement Accounts Minimum Deposit Dividend Rate* APY Dividends Compounded/Credited
IRA Savings $500 0.75% 0.753% Quarterly
18 Months $1,000 1.35% 1.359% Semi-Annually
36 Months $1,000 1.50% 1.510% Semi-Annually
60 Months $1,000 1.65% 1.663% Semi-Annually

Which IRA is Best for You?

Money Market Checking

Minimum Deposit Dividend Rate* APY Free Withdrawals**
$250 - $10k* 0.80% 0.803% 6 per month
$10k - $25k 1.00% 1.005% 6 per month
$25k - $50k 1.15% 1.157% 6 per month
$50k + 1.35% 1.359% 6 per month

Checking

Recreational Loans

New Boats, Campers & Motorhomes

up to 60 Months As Low As 5.99%
up to 120 Months As Low As 7.49%

Used Boats, Campers & Motorhomes

up to 60 Months As Low As 7.49%

New Motorcycles

up to 60 Months As Low As 5.49%

Used Motorcycles

up to 48 Months As Low As 6.49%

New Farm Equipment

up to 48 Months As Low As 6.99%

Apply For Your Recreational Loan


DEPOSIT ACCOUNTS

Par Value of Membership Share: Par Value of membership share is $5.00. Dividend Computation Method: Dividends are calculated by the daily balance method which applies a periodic rate to the daily balance in your account each day. *Anticipated Dividend Rate Subject to Change Prior to Quarter End. Dividends for Basic Checking, Heritage Advantage Checking, Money Market Checking, and Term Share Certificates are compounded and credited monthly. Dividends for Savings Accounts are compounded and credited quarterly. Disclosures available upon request. All savings are insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. Traditional and Roth IRA are insured up to $250,000. Substantial penalty for early withdrawal. Rates subject to change without notice. Any fees or penalties may reduce dividends earned. **Excessive Withdrawal Fees May Apply.

Rates Effective November 1, 2018

LOANS

*APR is Annual Percentage Rate. Actual interest rate will be based on individual factors including credit worthiness, terms, and condition of collateral. Fixed Rate 1st Mortgage Floor is 3.25% APR. 2nd Mortgage/HELOC Floor is 5.50% APR. Rates are subject to change without notice.

Rates Effective January 1, 2018

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