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When you need a sound investment, doing business with Greenville Heritage Federal Credit Union is a smart move for your financial future.

Maximize Your Earnings with GHFCU’s Competitive Dividend Rates! Greenville Heritage Federal Credit Union is committed to offering some of the highest dividend rates in the market, with a wide range of short-term and long-term investment options tailored to your financial goals. Explore our detailed rate charts below to compare savings accounts, certificates, and other investment products designed to help you grow your money efficiently.

DEPOSIT RATES

Checking Accounts Minimum Deposit Dividend Rate APY Minimum Balance
Basic $50 0.02% ($250+) 0.020% None
Heritage Advantage $100 5.01% (up to $15k) 5.127% None

Effective April 1, 2025

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 April 1, 2025

Deposit Amount: $1,000 to $50,000.99

Term

Dividend Rate APY 
6 Months 3.75% 3.820%
12 Months 3.50% 3.560%
18 Months 2.75% 2.790%
24 Months 2.75% 2.790%
30 Months 2.75% 2.790%
36 Months 2.50% 2.530%
48 Months 2.00% 2.020%
60 Months 2.00% 2.020%

Deposit Amount: $50,001 to $100,000.99

Term

Dividend Rate APY 
6 Months 4.00% 4.080%
12 Months 3.75% 3.820%
18 Months 3.00% 3.050%
24 Months 3.00% 3.050%
30 Months 3.00% 3.050%
36 Months 2.75% 2.790%
48 Months 2.25% 2.280%
60 Months 2.25% 2.280%

Deposit Amount: $100,001 and up

Term

Dividend Rate APY 
6 Months 4.25% 4.340%
12 Months 4.00% 4.080%
18 Months 3.25% 3.300%
24 Months 3.25% 3.300%
30 Months 3.25% 3.300%
36 Months 3.00% 3.050%
48 Months 2.50% 2.530%
60 Months 2.50% 2.530%

Effective April 1, 2025

Deposit Amount Minimum Deposit Dividend Rate* APY Free Withdrawals**
$1,000 – $10,000.99    (Monthly Maintenance Fee charged if balance drops below $1,000)   $1,000 0.75% 0.760% 6 per month
$10,001 – $25,000.99 $10,001 0.95% 0.960% 6 per month
$25,001 – $50,000.99 $25,001 1.35% 1.360% 6 per month
$50,001 – $100,000.99 $50,001 2.00% 2.020% 6 per month
$100,001 – $250,000.99 $100,001 2.75% 2.790% 6 per month
$250,001 and up $250,001 3.25% 3.300% 6 per month

Effective April 1, 2025

Individual Retirement Accounts Minimum Deposit Dividend Rate* APY Dividends Compounded/Credited
IRA Savings $1,000 1.00% 1.005% Quarterly

12 Months

$1,000 3.50% 3.560% Semi-Annually

18 Months

$1,000 3.00% 3.030% Semi-Annually

36 Months

$1,000 3.00% 3.030% Semi-Annually
60 Months $1,000 2.50% 2.520% Semi-Annually

Effective April 1, 2025

*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.