Deposit Rates

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.

Checking Accounts

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

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Savings Accounts

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
Little Savers _{(Newborn to 17)}	$50.00	6.78%	7.00%	4 Per Quarter
Dream Savers _{(18 to 20)}	$100.00	6.78%	7.00%	None _{(withdrawal closes account)}

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Term Share Certificates

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%

VIEW TERM SHARE CERTIFICATE ACCOUNTS

Money Market Checking

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

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IRAs

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

VIEW IRA ACCOUNTS

Effective November 1, 2025

_{Par Value of Membership Share: The 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.}

_{The rates appearing above are accurate as of the date indicated above. If you have any questions or require current rate information on your account, please call the Credit Union at 864.467.4160.}

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