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 SCAM ALERT! We have been made aware of letters regarding a Home Warranty that list Greenville Heritage Federal Credit Union as the lender.  Please do not call the phone number or give them any of your personal information!

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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.

DEPOSIT RATES

Checking Accounts Minimum Deposit Dividend Rate APY Minimum Balance
Basic $50 0.02% ($250+) 0.020% None
Heritage Advantage $100 0.50% (up to $15k) 0.502% None

Effective September 1, 2022

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

12 Months

$1,000 4.50% 4.551% Semi-Annually

18 Months

$1,000 3.50% 3.531% Semi-Annually

36 Months

$1,000 3.50% 3.531% Semi-Annually
60 Months $1,000 3.00% 3.023% Semi-Annually

Effective September 1, 2023

Minimum Deposit Dividend Rate* APY Free Withdrawals**
$1,000 – $10,000.99 1.00% 1.005% 6 per month
$10,001 – $25,000.99 1.20% 1.207% 6 per month
$25,001 – $50,000.99 1.60% 1.612% 6 per month
$50,001 – $100,000.99 2.25% 2.273% 6 per month
$100,001 – $250,000.99 3.00% 3.042% 6 per month
$250,001 and up 3.50% 3.557% 6 per month

June 1, 2023

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 February 1, 2021

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

Term

Dividend Rate APY 
6 Months 3.25% 3.299%
12 Months 5.00% 5.117%
18 Months 4.00% 4.075%
24 Months 4.00% 4.075%
30 Months 4.00% 4.075%
36 Months 4.00% 4.075%
48 Months 3.50% 3.557%
60 Months 3.50% 3.557%

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

Term

Dividend Rate APY 
6 Months 3.25% 3.299%
12 Months 5.25% 5.379%
18 Months 4.25% 4.334%
24 Months 4.25% 4.334%
30 Months 4.25% 4.334%
36 Months 4.25% 4.334%
48 Months 3.75% 3.816%
60 Months 3.75% 3.816%

Deposit Amount: $101,000 and up

Term

Dividend Rate APY 
6 Months 3.25% 3.299%
12 Months 5.50% 5.641%
18 Months 4.50% 4.595%
24 Months 4.50% 4.600%
30 Months 4.50% 4.600%
36 Months 4.50% 4.600%
48 Months 4.00% 4.075%
60 Months 4.00% 4.075%

Effective September 1, 2023

LOAN RATES

2023-2019 Vehicles with less than 50,000 miles < 125% LTV

Term As Low As
Up to 48 Month Financing 5.99%
60 Month Financing 5.99%
72 Month Financing 6.49%
84 Month Financing 6.99%

2013-2018 Vehicles with 50,001 to 130,000 miles

Term As Low As
Up to 72 Months Financing 7.49%

Used Vehicles with more than 130,000 miles

Term As Low As
Up to 48 Months Financing 8.95%

Effective January 1, 2023

Land As Low As 9.99%

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.

10 Year Financing Index Rate
15 Year Financing Index Rate Basis Points
20 Year Financing Index Rate +35 Basis Points
30 Year Financing Index Rate +75 Basis Points

2nd Mortgage Rates 1.25% Higher

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

Home Equity/Variable Rates (Subject to change quarterly)

 

HELOC Special Offer: 5.99% APR Introductory Rate for 12 Months. At the end of the promotional period, remaining balance reverts to current home equity interest rates. Learn More

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 January 1, 2023

Type of Loan Interest Rates (APR)
Certificate 4.00% above members CD
Share Secured 4.00%
Signature & Revolving Credit As Low As 8.95%
Short Term, Small Amount Loans (STS Loans) 28.00%

Visa Credit Cards

Type Interest Rates (APR)
Platinum 8.95%*
Gold 13.95%**
Classic 17.95%
APPLY FOR YOUR PERSONAL LOAN

Effective January 1, 2023

New Boats, Campers & Motor Homes

up to 144 Months As Low As 8.49%

Used Boats, Campers & Motor Homes

up to 120 Months As Low As 8.99%

New & Used Motorcycles

up to 72 Months As Low As 8.99%

Farm Equipment

up to 72 Months As Low As 8.99%
APPLY FOR YOUR RECREATIONAL LOAN

Effective January 1, 2023

We are here to help you

Our mission is to promote the personal financial success of our member owners by providing affordable financial services.

Apply for Loan

Call 864.370.5670 during normal business hours or complete our simple online form.

Apply Now

Call Us

864.467.4160

information@ghfcu.org

Contact Us

Our Locations

We have four convenient locations in Downtown Greenville, County Square, SCTAC, and Simpsonville.

Locations