Greenville Heritage Federal Credit Union Adds 15-Month CD, 3.299% APY


Deal Summary: 15-month CD Special, 3.299% APY), $1k minimum deposit

Availability: Residents of Greenville County, South Carolina

Now through January 31, 2019, Greenville Heritage Federal Credit Union (GHFCU) is offering a 15-month CD Special, which earns 3.299% APY. This limited-time offer can be opened with a $1k minimum deposit and there is no stated balance cap.

While the 15-month CD Special is advertised through the end of January, the fine print on the promotion page also states,

Offer subject to end without notice when desired funds have been received.

As stated on the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows:

Unless stated otherwise, owners of accounts with a stated term of more than one year shall forfeit an amount equal to up to 180 days dividends on the amount withdrawn, or the length of the term, whichever is less, when any withdrawal is allowed.

Heritage Advantage Checking

GHFCU’s Heritage Advantage Checking account currently earns 2.10% APY on qualifying balances up to $15k. Qualifying balances “above $15,000 will earn corresponding Money Market rate”, which currently include four rate tiers between 0.80% and 1.36% APY.

3.12%-$15kGreenville Heritage Federal Credit UnionHeritage Advantage Checking
Rates as of August 16, 2019.

Monthly Qualification Requirements

  • At least one direct deposit OR ACH credit transaction
  • At least 12 signature debit transactions
  • Receive eStatements
  • Use Home Banking (online banking) at least once


Headquartered in Greenville, South Carolina, Greenville Heritage Federal Credit Union’s field of membership (FOM) is residency-based, with individuals who live, work, worship, or attend school in Greenville County eligible to join.

Immediate family members of current GHFCU members qualify for membership, regardless of where they live.

Joining GHFCU and/or opening a CD Special must be at any of four South Carolina branches, located in Greenville (3) and Simpsonville.

While there is an “Apply Now” button on the Membership page, it leads to a “Contact Me” page.

Please complete this simple online application and we’ll be
in touch as soon as possible the following business day.

Credit Union Overview

Greenville Heritage Federal Credit Union has an overall health grade of "A" at, with a Texas Ratio of 9.76% (excellent) based on September 30, 2018 data. In the past year, GHFCU has increased its total non-brokered deposits by $2.07 million, an above average annual growth rate of 2.59%. Please refer to our financial overview of Greenville Heritage Federal Credit Union (NCUA Charter # 4400) for more details.

In early 1941, seven City of Greenville employees pooled their savings and formed one of the first federal credit unions in the “Upstate” (the northwest corner of South Carolina). Known as the Greenville City Employees Federal Credit Union, it was chartered under the auspices of the relatively new Federal Credit Union Act of 1934. Until the mid ‘90s, the FOM was limited to city workers, but was expanded following the merger with Greenville County Federal Credit Union, which served Greenville County employees. In 2002, the Credit Union adopted a community charter, making all Greenville County residents membership eligible.

According to a June 2016 Upstate Business Journal article,

Greenville Heritage FCU has taken great pains to reach out to and serve Greenville’s most vulnerable. The credit union has earned both the “low-income designation,” which requires more than 50 percent of its membership to have a family income of 80 percent or less of the median family income for the area, and certification as a Community Development Financial Institution.

How the CD Special Compares

When compared to 207 similar length-of-term CDs tracked by that require a similar minimum deposit and are available within the FOM, Greenville Heritage Federal Credit Union's 15-month CD Special APY currently ranks first.

The above rates are accurate as of 12/31/2018.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.

Related Pages: Greenville checking accounts, reward checking accounts, 1-year CD rates

payitforward   |     |   Comment #1
Minimum 12 signature debit transactions per month!!
Best Reward Checking Account in South Carolina at Greenville Heritage FCU

Greenville Heritage Federal Credit Union has a competitive reward checking account that's called Heritage Advantage Checking. The rate isn't the best, but the combination of rate and balance cap makes it better than what's nationally available. It currently pays 2.78% APY for balances up to $25,000. This is listed in the credit union's checking page as of 9/27/2012: To qualify for this rate, the following monthly requirements must be met:

  • 12 signature-based debit card purchases
  • 1 direct deposit or ACH credit
  • Use Home Banking at least once
  • Maintain eStatements

Minimum initial deposit is $100. Only...

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