Greenville Heritage Federal Credit Union 60-Mo CD Earns Up To 3.35% APY

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Deal Summary: Fixed CDs: 60-month, 3.35% APY ($100k+), 3.25% APY ($50k+), 3.15% APY ($1k+); 48-month, 3.04% APY ($100k+), 2.94% APY ($50k+), 2.84% APY ($1k+).

Availability: Residents of Greenville County, South Carolina

Greenville Heritage Federal Credit Union (GHFCU) is currently offering competitive tiered APYs on its 48- and 60-month Fixed CDs. The deposit tiers are $1k, $50k, and $100k, with each APY tier increased by a uniform 10 bps.

APYMINMAXINSTITUTIONPRODUCTDETAILS
3.35*%$100k-Greenville Heritage Federal Credit Union60 Month Fixed CD
OTHER TIERS: 3.15% $1k - $50k | 3.25% $50k - $100k
3.04*%$100k-Greenville Heritage Federal Credit Union48 Month Fixed CD
OTHER TIERS: 2.84% $1k - $50k | 2.94% $50k - $100k
Rates as of October 22, 2019.

The current rates on the 48- and 60-month Fixed Rate CDs have been in effect since July, when the 48-month gained 5 bps and the 60-month lost 16 bps.

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with a stated term of more than one year shall forfeit an amount equal to up to 180 days dividends on the amount withdrawn, or the length of the term, whichever is less, when any withdrawal is allowed.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 3.12% APY on qualifying balances up to $15k. Qualifying balances “above $15,000 will earn corresponding Money Market rate”, which currently include three rate tiers of 1.00% APY, 1.06% APY, and 1.26% APY.

APYMINMAXINSTITUTIONPRODUCTDETAILS
3.12%-$15kGreenville Heritage Federal Credit UnionHeritage Advantage Checking
Rates as of October 22, 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

Availability

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 also qualify for membership, whether they live in Greenville County or not.

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

You can also call GHFCU (864.467.4160) or use the “Contact Me” form to get more information about joining or opening a CD.

Simply opening a savings account with a minimum deposit
of $5 gives you access to all the benefits of membership.

GHFCU participates in the CO-OP ATM network, giving members assess to nearly

30,000 ATMs in the CO-OP Network, which are free for members using their GHFCU debit card.

Credit Union Overview

Greenville Heritage Federal Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 0.68% (excellent) based on June 30, 2019 data. In the past year, GHFCU has increased its total non-brokered deposits by $12.33 million, an excellent annual growth rate of 14.89%. 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 Compares

When compared to 210 similar length-of-term CDs tracked by DepositAccounts.com that are available within the FOM, Greenville Heritage Federal Credit Union's 60-month Fixed CD APY currently ranks first, regardless of minimum deposit requirements.

Interest RateCD Length of TermCredit Union/Bank
3.35% APY60-month Fixed CD ($100k min) Greenville Heritage Federal Credit Union
3.25% APY60-month Fixed CD ($50k min) Greenville Heritage Federal Credit Union
3.17% APY60-Month Jumbo CD ($100k min)Houston Federal Credit Union
3.15% APY60-month Fixed CD ($1k min) Greenville Heritage Federal Credit Union
3.03% APY60-Month Share Certificate ($500 min)Founders Federal Credit Union

When compared to 198 similar length-of-term CDs tracked by DepositAccounts.com that are available within the FOM, Greenville Heritage Federal Credit Union's 48-month Fixed CD APY currently ranks first, regardless of minimum deposit requirements.

Interest RateCD Length of TermCredit Union/Bank
3.04% APY48-month Fixed CD ($100k min) Greenville Heritage Federal Credit Union
2.94% APY48-month Fixed CD ($50k min) Greenville Heritage Federal Credit Union
2.85% APY48-Month CD ($100k min)Blue Federal Credit Union
2.84% APY48-month Fixed CD ($1k min) Greenville Heritage Federal Credit Union
2.82% APY48-<60 Month Jumbo CD ($100k min)Houston Federal Credit Union

The above rates are accurate as of 10/7/2019.

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, 5-year CD rates

Comments
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,

As stated on the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads...

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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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