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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.
| 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
| 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% |
| Term | As Low As |
|---|---|
| Up to 72 Months Financing | 7.49% |
| Term | As Low As |
|---|---|
| Up to 48 Months Financing | 8.95% |
Effective January 1, 2023
| Land | As Low As 9.99% |
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/HELOC as low as 4.25% APR depending credit and application.
| 90% Loan to Value | Rates as low as Prime plus .50% |
* 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% |
| Type | Interest Rates (APR) |
|---|---|
| Platinum | 8.95%* |
| Gold | 13.95%** |
| Classic | 17.95% |
Effective January 1, 2023
| up to 144 Months | As Low As 8.49% |
| up to 120 Months | As Low As 8.99% |
| up to 72 Months | As Low As 8.99% |
| up to 72 Months | As Low As 8.99% |
Effective January 1, 2023
Our mission is to promote the personal financial success of our member owners by providing affordable financial services.
Call 864.370.5670 during normal business hours or complete our simple online form.
Apply NowWe have four convenient locations in Downtown Greenville, County Square, SCTAC, and Simpsonville.
Locations
520 W. Washington Street Greenville, SC 29601
864.467.4160
