Savings Accounts

Joining Greenville Heritage Federal Credit Union begins with opening a Prime 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 Prime 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.

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

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 to 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.

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:

• No minimum deposit requirement
• No monthly fees
• Earns 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

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 competitive dividend rate
• Same day deposit credit

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 special account, the funds will be transferred back into the regular savings account. Rate subject to change without notice.}

Coming Soon: The Dream Savers Account for Young Adults

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.

Build Credit & Reach Your Goals

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:

• Open with just $100
• Deposit $100/month for 11 consecutive months
• In month 13, GHFCU rewards your commitment with a $100 bonus deposit
• End with $1,300 to kickstart your financial journey

You can then use the $1,300 for a down payment on a car or a share secured loan to build credit!

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 the special 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.}

What forms of identification are acceptable?