What are the current interest rates at Greenville Heritage Federal Credit Union?

Current rates for Greenville Heritage Federal Credit Union include: 12-Month CD: 3.56%, 18-Month CD: 2.79%, 24-Month CD: 2.79%, 60-Month CD: 2.02%, Savings: 0.05%

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Greenville Heritage Federal Credit Union

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Greenville Heritage Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greenville Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Greenville Heritage Federal Credit Union's top rates as of October 12, 2026 are 4.34% APY on its 6 Month Term CD, 0.05% APY on savings, 5.13% APY on checking, 7.99% on its Farm Equipment mortgage, personal loans from 8.95% APR, and credit cards from 8.95% APR, according to rates verified by MonitorBankRates. Other Greenville Heritage Federal Credit Union CD rates include 12 Month Term CD at 4.08%, 6 Month Term CD at 4.08%, and 12 Month Term CD at 3.82%. MonitorBankRates evaluates the financial stability of Greenville Heritage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.32%. Rates last updated and verified on 10/12/2026.

Greenville Heritage Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Greenville Heritage Federal Credit Union? Share your experience about Greenville Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Greenville Heritage Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.32%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Greenville Heritage Federal Credit Union
Main

520 W Washington St
Greenville, SC 29601

https://www.greenvilleheritage.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Greenville Heritage Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Term Share Certificate	4.25%	4.34%	6 Months
Min Deposit $100,001 Details Deposit Amount: $100,001 and up Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.82% → 4.34% ▲ 0.52 pts · high 4.34% / low 3.82% Oct 12, 20264.34%▲ from 3.82% Oct 4, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
12 Month Term Share Certificate	4.00%	4.08%	12 Months
Min Deposit $100,001 Details Deposit Amount: $100,001 and up Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56% Oct 12, 20264.08%▲ from 3.56% Oct 4, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
6 Month Term Share Certificate	4.00%	4.08%	6 Months
Min Deposit $50,001 Details Balance: $50,001 to $100,000.99 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82% Oct 12, 20264.08%▲ from 3.82% Oct 4, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
12 Month Term Share Certificate	3.75%	3.82%	12 Months
Min Deposit $50,001 Details Balance: $50,001 to $100,000.99 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 12, 20263.82%▲ from 3.56% Oct 4, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
6 Month Term Share Certificate	3.75%	3.82%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Deposit Amount: $1,000 to $50,000.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
12 Month Term Share Certificate	3.50%	3.56%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Deposit Amount: $1,000 to $50,000.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
18 Month Term Share Certificate	3.25%	3.30%	18 Months
Min Deposit $100,001 Details Deposit Amount: $100,001 and up Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.79% → 3.30% ▲ 0.51 pts · high 3.30% / low 2.79% Oct 12, 20263.30%▲ from 2.79% Oct 4, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
24 Month Term Share Certificate	3.25%	3.30%	24 Months
Min Deposit $100,001 Details Deposit Amount: $100,001 and up Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.79% → 3.30% ▲ 0.51 pts · high 3.30% / low 2.79% Oct 12, 20263.30%▲ from 2.79% Oct 4, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
30 Month Term Share Certificate	3.25%	3.30%	30 Months
Min Deposit $100,001 Details Deposit Amount: $100,001 and up Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.79% → 3.30% ▲ 0.51 pts · high 3.30% / low 2.79% Oct 12, 20263.30%▲ from 2.79% Oct 4, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
18 Month Term Share Certificate	3.00%	3.05%	18 Months
Min Deposit $50,001 Details Balance: $50,001 to $100,000.99 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79% Oct 12, 20263.05%▲ from 2.79% Oct 4, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
24 Month Term Share Certificate	3.00%	3.05%	24 Months
Min Deposit $50,001 Details Balance: $50,001 to $100,000.99 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79% Oct 12, 20263.05%▲ from 2.79% Oct 4, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
30 Month Term Share Certificate	3.00%	3.05%	30 Months
Min Deposit $50,001 Details Balance: $50,001 to $100,000.99 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.79% → 3.05% ▲ 0.26 pts · high 3.05% / low 2.79% Oct 12, 20263.05%▲ from 2.79% Oct 4, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
36 Month Term Share Certificate	3.00%	3.05%	36 Months
Min Deposit $100,001 Details Deposit Amount: $100,001 and up Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.53% → 3.05% ▲ 0.52 pts · high 3.05% / low 2.53% Oct 12, 20263.05%▲ from 2.53% Oct 4, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
18 Month Term Share Certificate	2.75%	2.79%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Deposit Amount: $1,000 to $50,000.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
24 Month Term Share Certificate	2.75%	2.79%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Deposit Amount: $1,000 to $50,000.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
30 Month Term Share Certificate	2.75%	2.79%	30 Months
Min Deposit $1,000 Min Balance $1,000 Details Deposit Amount: $1,000 to $50,000.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
36 Month Term Share Certificate	2.75%	2.79%	36 Months
Min Deposit $50,001 Details Balance: $50,001 to $100,000.99 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.53% → 2.79% ▲ 0.26 pts · high 2.79% / low 2.53% Oct 12, 20262.79%▲ from 2.53% Oct 4, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
36 Month Term Share Certificate	2.50%	2.53%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Deposit Amount: $1,000 to $50,000.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
48 Month Term Share Certificate	2.50%	2.53%	48 Months
Min Deposit $100,001 Details Deposit Amount: $100,001 and up Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.02% → 2.53% ▲ 0.51 pts · high 2.53% / low 2.02% Oct 12, 20262.53%▲ from 2.02% Oct 4, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
60 Month Term Share Certificate	2.50%	2.53%	60 Months
Min Deposit $100,001 Details Deposit Amount: $100,001 and up Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.02% → 2.53% ▲ 0.51 pts · high 2.53% / low 2.02% Oct 12, 20262.53%▲ from 2.02% Oct 4, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
48 Month Term Share Certificate	2.25%	2.28%	48 Months
Min Deposit $50,001 Details Balance: $50,001 to $100,000.99 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.02% → 2.28% ▲ 0.26 pts · high 2.28% / low 2.02% Oct 12, 20262.28%▲ from 2.02% Oct 4, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
60 Month Term Share Certificate	2.25%	2.28%	60 Months
Min Deposit $50,001 Details Balance: $50,001 to $100,000.99 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 2.02% → 2.28% ▲ 0.26 pts · high 2.28% / low 2.02% Oct 12, 20262.28%▲ from 2.02% Oct 4, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
48 Month Term Share Certificate	2.00%	2.02%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Deposit Amount: $1,000 to $50,000.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
60 Month Term Share Certificate	2.00%	2.02%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Deposit Amount: $1,000 to $50,000.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Greenville Heritage Federal Credit Union Savings Rates

Product	Rate	APY
Dream Savers (18 to 30)	6.78%	7.00%
Min Deposit $100 Details Ages: 18-30; Free Withdrawals: (withdrawal closes account) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Little Savers (Newborn to 17)	6.78%	7.00%
Min Deposit $50 Details Ages: 0-17; Free Withdrawals: 4 Per Quarter Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Christmas Club	0.05%	0.05%
Min Deposit $1 Details Free Withdrawals: 1 Per Year in 4th Quarter Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Savings	0.05%	0.05%
Min Deposit $5 Details Free Withdrawals: 4 Per Quarter Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Vacation Club	0.05%	0.05%
Min Deposit $1 Details Free Withdrawals: 2 Per Year Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Greenville Heritage Federal Credit Union Checking Rates

Product	Rate	APY	View More
Heritage Advantage Checking	-	5.13%
Details Balance: up to $15,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Greenville Heritage Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Farm Equipment	-	-	7.99%	up to 72 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Greenville Heritage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2026-2022 Vehicles Auto Loan	-	-	3.99%	Up to 48 months
Details As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
2026-2022 Vehicles Auto Loan	-	-	3.99%	60 months
Details As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Auto Loans	-	-	3.99%
Details As Low As; Affordable Car Financing as Low as 3.99% APR*; APR determined by individual credit history and underwriting criteria Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
2026-2022 Vehicles Auto Loan	-	-	4.49%	72 months
Details As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
2026-2022 Vehicles Auto Loan	-	-	4.99%	84 months
Details As Low As; Vehicles less than 50,000 miles, < 125% LTV; Specialty Vehicles may carry a supplement of up to 200 basis points Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
2021-2016 Vehicles (50,001 to 130,000 miles) Auto Loan	-	-	5.49%	Up to 72 Months
Details As Low As; Vehicles 2021-2016 with 50,001 to 130,000 miles; Specialty vehicles may carry a supplement of up to 200 basis points Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
2021-2016 Vehicles - Used Vehicles with more than 130,000 miles Loan	-	-	8.95%	Up to 48 months
Details As Low As; Specialty Vehicles may carry a supplement of up to 200 basis points on posted rates Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Vehicles with more than 130,000 miles Auto Loan	-	-	8.95%	Up to 48 months
Details As Low As; Specialty Vehicles may carry a supplement of up to 200 basis points on posted rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Vehicles with more than 130,000 miles Loan	-	-	8.95%	Up to 48 months
Details As Low As; 2021-2016 Vehicles; Specialty Vehicles may carry a supplement of up to 200 basis points on posted rates Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Greenville Heritage Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	6.49%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New & Used Motorcycles Loan	-	6.49%	up to 72 Months
Details As Low As; Loan Rates Effective June 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Boats Loan	-	7.49%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Campers and Motorhomes Loan	-	7.49%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
New Boats, Campers & Motor Homes Loan	-	7.49%	up to 144 Months
Details As Low As; Recreational Vehicles Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Recreational Vehicle Loans	-	7.49%
Details As Low As; Financing for new and used recreational vehicles; flexible loan terms up to 144 months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Used Boats, Campers & Motor Homes Loan	-	7.99%	up to 120 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Greenville Heritage Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.95%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Visa Gold	-	13.95%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Visa Classic	-	17.95%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 17.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Greenville Heritage Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature & Revolving Credit Loan	8.95%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Greenville Heritage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Land Loan	-	-	7.99%
Details As Low As; Mortgages - Land Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Short Term, Small Amount Loans (STS Loans)	-	-	28.00%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 28.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%
Tax & Insurance	0.05%	-	0.05%
Min Deposit $1 Details Free Withdrawals: 3 Per Quarter Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Greenville Heritage Federal Credit Union’s Texas Ratio stayed near 0.87% in Q3 2023 to 1.32% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$181M	1.32%	5.0	A+
March 31, 2026	$177M	1.17%	5.0	A+
December 31, 2025	$170M	1.27%	5.0	A+
September 30, 2025	$169M	0.82%	5.0	A+
June 30, 2025	$168M	1.54%	5.0	A+
March 31, 2025	$169M	1.63%	5.0	A+
December 31, 2024	$169M	1.26%	5.0	A+
September 30, 2024	$166M	1.18%	5.0	A+
June 30, 2024	$166M	0.95%	5.0	A+
March 31, 2024	$163M	1.37%	5.0	A+
December 31, 2023	$158M	0.98%	5.0	A+
September 30, 2023	$157M	0.87%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Greenville Heritage Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Greenville Heritage Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Greenville Heritage Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greenville Heritage Federal Credit Union

Website https://www.greenvilleheritage.com

Address 520 W Washington St, Greenville, SC 29601

Phone 864-467-4160

Fax 864-467-4162

President William McDowell, Jr.

CEO Alan Berry

Full-Time Employees 35

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.32%

Return on Assets (ROA)

0.3908%

Return on Equity (ROE)

3.1193%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

181,155,299

Total Amount of Shares and Deposits

157,052,666

Total Shares and Deposits < 1 Year

154,386,485

Total Shares and Deposits 1 3 Years

2,145,781

Total Shares and Deposits > 3 Years

520,400

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

13,995,816

Total Uninsured Shares and Deposits > $250K (F+J)

13,995,816

Total Insured Shares and Deposits > $250K (item 17 less item K)

143,056,850

Total Interest Expense (Sum of items 6 8)

1,361,636

Share Certificates

889

Number of Accounts for Share Drafts

6,807

IRA KEOGH Accounts

155

Number of Accounts for Regular Shares

11,978

All other shares

239

Money Market Shares

325

Net Income (unless the amount is already included in Undivided Earnings)

420,081

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,720,444

Total Liabilities

158,459,338

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Greenville Heritage Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Greenville Heritage Federal Credit Union

How many branches does Greenville Heritage Federal Credit Union operate?

Greenville Heritage Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Greenville Heritage Federal Credit Union?

Yes, to access services at Greenville Heritage Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Greenville Heritage Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greenville Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greenville Heritage Federal Credit Union offer online and mobile banking?

Most modern institutions like Greenville Heritage Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.greenvilleheritage.com.