Savings Accounts

Greenville Heritage Federal Credit Union Savings Accounts

Primary Share Accounts

Joining Greenville Heritage Federal Credit Union begins with opening a Primary Share Savings Account—your first step toward ownership and financial empowerment. This foundational account not only represents your share in the credit union, but also establishes your membership, unlocking access to all of our financial products and services. As a member-owner, you’re part of a cooperative that puts people over profits, where your voice matters and your financial well-being comes first.

Here are the benefits that come with your Primary Share Savings Account—designed to support your financial goals and make your membership truly rewarding:

A one-time $5 deposit into a savings account secures your lifetime membership and full access to exclusive benefits.
No monthly fees
Balances over $250 earn competitive dividends
Free Home Banking
Free Instant Teller
Same-day deposit credit
Four free withdrawals per quarter
Members may designate a beneficiary on their Savings Account to streamline future asset transfer and provide added peace of mind.

Term Share Certificates

As a valued member of Greenville Heritage Federal Credit Union, you have access to investment options designed with your financial security in mind. A Term Share Certificate offers a dependable way to grow your savings without the volatility of the stock market. Backed by NCUA insurance, your principal is protected, and you’ll enjoy a guaranteed fixed rate of return for the term you choose. It’s a trusted solution for members seeking predictable growth and peace of mind.

Here are the benefits that come with your Term Share Certificate Account—designed to support your financial goals and make your membership truly rewarding:

Dividends are generally higher than Savings and Money Markets
Low minimum deposit of just $1,000
Principal never decreases as a result of early withdrawal penalties

Club Accounts

As a member of Greenville Heritage Federal Credit Union, you have access to exclusive savings tools designed to help you prepare for life’s joyful moments. Whether you’re dreaming of a tropical getaway or gearing up for holiday gift-giving, our Vacation and Christmas Club Accounts offer a smart, stress-free way to save.

Here are the benefits that come with your Club Account—designed to support your financial goals and make your membership truly rewarding:

Start your club account with just $1
Make deposits anytime
Earns competitive dividend rate
No minimum balance required to earn dividends
Make deposits through payroll deduction, mail, night deposit, internal transfer, or in person at any of our branches.
One free withdrawal per year is allowed from your Christmas Club between October 1 and December 31
Two free withdrawals per year are allowed from your Vacation Club

Start early, save steadily, and enjoy the peace of mind that comes from being financially prepared. It’s just one more way we’re helping our members turn plans into reality.

Tax and Insurance Accounts

Planning ahead for annual expenses like property taxes, vehicle registration, and homeowners or auto insurance doesn’t have to be stressful. As a member of Greenville Heritage Federal Credit Union, you can take advantage of a simple, automated savings method that keeps you financially prepared year-round.

Here are the benefits that come with your Tax or Insurance Savings Account—designed to support your financial goals and make your membership truly rewarding:

Open your Tax and Insurance Account with $1
No monthly fees
Earns a competitive dividend rate
Make deposits through payroll deduction, mail, night deposit, internal transfer, or in person at any of our branches.
Same-day deposit credit
Three free withdrawals per quarter

Youth Savings Accounts

Newborn Account

Welcome to a future of financial empowerment! At Greenville Heritage Federal Credit Union, we believe that building strong financial habits starts early—and what better way to begin than with our Newborn Account?

Put your child on the path to financial security by opening a Newborn Account! It’s a meaningful first step toward teaching the value of saving, investing in their future, and creating a legacy of financial wellness. Whether you’re a proud new parent or a loving grandparent, this is your opportunity to give the gift of financial confidence from day one.

Here are the benefits that come with a Newborn Savings Account—designed to support your financial goals and make your membership truly rewarding:

GHFCU will deposit $5 into your Newborn Account if opened within six months of birth or adoption
No monthly fees
Earns a competitive dividend rate
Same-day deposit credit

Little Savers Account (newborn to 17 years)

Start your child’s financial journey early with Greenville Heritage Federal Credit Union’s Little Savers Account—a high-yield savings account designed exclusively for minors from newborn to 17 years old.

Why Choose Little Savers?

Earn 7% APY* on balances up to $2,500 average daily balance (ADB)
No minimum balance required to earn dividends
Just $50 to open the account

Whether you’re saving for their first bike, college fund, or future dreams, the Little Savers Account helps build smart money habits with big rewards.

  
    *This account does not establish membership. Joint adult membership required—a parent, guardian, or adult must be a GHFCU member. Adult Member must also have a regular savings account. Balances above $2,500 will earn the regular savings dividend rate. APY is the Annual Percentage Yield. When the member ages out of the account, the funds will be transferred back into the regular savings account. Rate subject to change without notice.

Dream Savers Account (18 to 30 years)

Take control of your financial future with Greenville Heritage Federal Credit Union’s Dream Savers Account—designed exclusively for young adults ages 18 to 30 who are ready to save with purpose.

Whether you’re saving for a car down payment, planning a big purchase, or looking to establish credit, Dream Savers makes it easy to stay on track.

How It Works:

Earn 7% APY* on balances up to $2,500 average daily balance (ADB)
Open with just $100
Deposit a minimum of $100/month for 11 consecutive months
In month 13, GHFCU rewards your commitment with a $100 bonus deposit
End with a minimum of $1,300 plus dividends to kickstart your financial journey

We recommend scheduling a free consultation with one of our credit union financial experts when opening your account to help you maximize your savings strategy.

Perfect for:

First-time savers
Credit-building goals
Budgeting for major life milestones

  
    *This account does not establish membership. Member must also have a regular savings account. Balances above $2,500 will earn the regular savings dividend rate. When the member ages out of this account, the funds will be transferred back into the regular savings account. Rate subject to change without notice. $100 Dream Savers Reward is a one-time offer. No withdrawals are allowed prior to receiving the $100 reward. If funds are withdrawn, the reward is forfeited, and the share account will be closed to the primary share account.

Ready to Open Your GHFCU Savings Account?

We now have online account opening! Visit the Become a Member page for all of the details. If you prefer to open your account in person, you can go to any one of our three convenient branches during normal business hours. Be sure to bring the required IDs listed below. For your convenience, our Main/Downtown and Simpsonville offices are open until 5:30 p.m. on Thursday and Friday

To open a checking account, the applicant must provide the following:

Two valid forms of ID (see below).
A valid phone number.
A valid email address.

open an account

Forms of Identification

What forms of identification are acceptable?

For membership, the following is a list of acceptable identification. The ID provided must show your name, residence, and date of birth. One form of identification MUST be a government-issued photo ID like a(n):

Unexpired State Driver’s License or State Identification Card (If your address is different from the one on your driver’s license, please bring a recent utility bill with the correct address.)
Unexpired Commercial Driver’s License
Military ID card
Federal Government Employee ID Card
Permanent Resident Card
Passport
Alien Registration Card, Nonresident Alien Border Crossing Card, Nonimmigrant Visa and Border Crossing Card, or Employment Authorization Card
Matricula Consular Card

The second form of identification can be from the group above or one of the following: