Inside this issue:

Holiday ClosingsCounty Square Only

Good FridayFriday, April 19

All Offices

Memorial DayMonday, May 27

Check balances, monitor account history, transfer funds, make loan payments and more – all for free! Call toll-free 800.399.4797 to access Instant Teller, or visit www.greenvilleheritage.com to log into Home Banking.

April 2019

MONEY MATTERSA Quarterly Publication of Greenville Heritage Federal Credit Union

• Letter from the President/CEO

• Celebrate National Credit Union Youth Week

• Remote Deposit Capture

• Love My Credit Union Rewards

• Join Us for Greenville Heritage Main Street Fridays

• Loan Payments by Phone

• 78th Annual Membership Meeting Update

• We Do More Than Auto Loans

• Credit Union Travel Club

• Update Contact Information

• Five-Star Superior Rating

Need 24-hour account access?

Sayonara to High Rates and Fees! Earn $70 or More in Rewards With GHFCU!

Are you tired of being just another number at a big bank? Are you tired of paying monthly service charges for your checking account? Did you finance your car at the dealership without ever knowing the interest rate you were charged?

Greenville Heritage FCU wants to earn more of your business, and we are going to reward you for it in April, May and June. Existing members and new members who open a new checking account and get at least one new loan will receive $70 in rewards. The more business you bring us, the higher your reward!

Open a checking account and we’ll give you a custom image debit card, valued at $20. Plus, there is no monthly maintenance fee or minimum balance requirement and you earn dividends.

Get a loan of $5,000 or more and we’ll give you $50

Cash! You will also receive $50 for every additional loan of $5,000 or more that closes during the promotion. And don’t forget about our Loan Referral Program that allows you to earn even more money by referring family, friends, and coworkers to Greenville Heritage for a loan. We have very competitive loan rates, so you — and those you refer — could save money each month by refinancing an existing loan from another lender or by financing that new car, boat, motorcycle, or RV with Greenville Heritage FCU.

Take advantage of this limited-time offer to put some extra cash in your wallet by calling our Loans by Phone Hotline at 370.5670 or visiting our website, www.greenvilleheritage.com, to apply for your Sayonara to High Rates! loan at your convenience.

*Promotion dates: April 1 – June 30, 2019. Normal credit guidelines apply. Cannot be combined with another promotion or offer. Refinance of a GHFCU loan will qualify with more than $5,000 in new money. Mortgages excluded.

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Letter from the President/CEO

After a very wet winter, I know many of you are looking forward to spring and summer. At your credit union, we are looking forward to warmer weather as well, and we’ve created some

great promotions to put more money in your wallet when you finance that new car, SUV, or boat you’ve been thinking about. We are working hard to make it more rewarding to borrow and save at your credit union. We are committed to offering competitive loan rates and being top of market for all savings products.

Savings rates are on the rise, so now is the time to look into your accounts at other financial institutions. Our Heritage Advantage checking account pays 3.124% APY on balances up to $15,000, and our Certificate rates are top of the market. If you have any type of loan with another lender, call our Loans by Phone Hotline at 864.370.5670 for a free, no obligation look at how much money you could save by refinancing that loan with us. We invite you to experience the easiest loan process ever. In most cases, our members can close loans remotely and never have to enter a branch.

Greenville Heritage FCU is proud to be the Title Sponsor for Greenville Heritage Main Street Fridays for the seventh straight year. The Greenville Heritage Main Street Fridays concert series runs from March 22 through September 27 from 5:30 to 9:30 PM in NOMA Square Downtown. We hope you will take advantage of one of the best events that our City has to offer during the spring and summer months.

As always, the greatest compliment you can give us is to tell your friends about Greenville Heritage, so they too can enjoy the benefits of ownership!

Sincerely,

Alan BerryPresident/CEO

*Deposit is not required to enter the Challenge/Win the $1,000. Parents/guardians giving permission for their youth to enter can submit on a 3" x 5" piece of paper the following information to the credit union: Name, Date, Current Age. Limit one entry per person.

Make a deposit to your Greenville Heritage Savings Account (or open a new one!) during April and

complete an entry form to participate in the National Youth Saving Challenge™

This year, one young saver will win $1,000*!

Save a trip to the branch. Deposit from anywhere.

Download ourMobile App today!

Depositing a check is no longer an errand.

Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why we’ve made it so that your Greenville Heritage FCU membership saves you money through exclusive member only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

Sprint$100 cash reward with each new line you activate with Sprint. Plus, existing customers earn $100 Annual Loyalty Cash Rewards, and 25% off select accessories in Sprint stores.*

TurboTaxSave up to $15 on TurboTax federal products!

ADTWe want you feeling as safe at home as you do in our credit union. That’s why you can get an exclusive smoke communicator and a $100 gift card with a new ADT home monitoring security system. Just call 844-703-0123 to get this special offer through the Love My Credit Union Rewards Program.

TruStageSometimes accidents happen, but credit union members enjoy special True Savings with TruStage Auto and Home Insurance.

Love to ShopYour credit union membership benefits go with you when you shop too! With Love to Shop, get member only cash back rewards from over 1500 online retailers.

Learn all about how your GHFCU membership gets you all these exclusive savings, and more at www.ghfcu.org or LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had before.

*Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Avail. for eligible credit union members & member employees with qualifying corp. id. (ongoing verification). $100 cash reward for new smartphone lines activ. up to 15 lines. Req. activ. at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrs., replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp. ID per Sprint acct. No add'l. discounts apply. Loyalty Reward: $100/acct./yr. when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $100/acct./yr. deposit on their 12mo anniversary transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards & click on “Cash Rewards Tracker.” Other Terms: Offers/coverage not available everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2019 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

Greenville Heritage FCU is proud to be the title sponsor of the City’s premier concert series, Main Street Fridays, again this year! Join us in beautiful Downtown Greenville at NOMA Square each Friday evening through September 27 from 5:30 to 9:30 p.m. for great music and family fun. And be sure to register to win a Downtown Greenville Getaway package from Greenville Heritage FCU while you’re there! April through

June concerts feature the following bands:April 5 — Mike Frost BadApril 12 — Free Flow BandApril 19 — Rhythm City BandApril 26 — Hot as a PepperMay 3 — The Fortunate SonsMay 10 — Tuxedo JunctionMay 17 — Mac Arnold & Plate Full O’ BluesMay 24 — SYR/Erica Berg CollectiveMay 31 — The FlashbacksJune 7 — Rhythm Muscle BandJune 14 — Rock-n-Roll Reunion June 21 — Next Level Band of CharlotteJune 28 — Whitney Bradley & Groove Planet

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Join us for Main Street Fridays!

Greenville Heritage now offers members the option to make their loan payments by phone. So, if you find yourself out of town on the day your loan payment is due, you can just call 864.467.4160 and make your loan payment using a Visa, Mastercard or Discover debit card. (Federal regulations stipulate that loan payments cannot be made using a credit card.)

There is a $10 fee for this service, so making loan payments through automatic payments, in person, by mail, by night deposit drop, or through our Home Banking/mobile app remain the best options.

More Reasons Than Ever to Love Being a Member!

presented by

FRIDAYSMarch - September

Call us to MakeLoan Payments

www.greenvilleheritage.com • 864.467.4160 • 800.943.6928

78th Annual Membership Meeting UpdateThe 78th Annual Membership Meeting of Greenville Heritage FCU was held at the TD Convention Center on March 19, 2019.

Those in attendance heard financial and operational updates from credit union officials, and an overview of plans for 2019. Each member in attendance received a special gift from the credit union and had an opportunity to win some fabulous door prizes, gift cards, and everybody’s favorite — cash!

The Nominating Committee received no nominations for directors, and the incumbents were re-elected by acclamation. The following will serve as your 2019-2020 Board of Directors:

Tom McDowell, Jr. — ChairmanHunter West — Vice ChairmanNadine Chasteen — SecretaryDan Shirley — TreasurerMyron Alderman — DirectorJohn Castile — DirectorJeannie Grady — DirectorJohn Owings — DirectorQueen Wooden — Director

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24-Hour Instant Teller800.399.4797

After Hours Assistance — Debit Card: 800.472.3272 Credit Card: 800.991.4964

Home Office520 W. Washington StreetGreenville, SC 29601

Monday - Wednesday:8:30 a.m. to 5:00 p.m.Thursday & Friday:8:30 a.m. to 5:30 p.m.

County Square Office301 University Ridge, Suite 2100Greenville, SC 29601

Monday - Friday: 8:30 a.m. to 5:00 p.m.

Closed daily: 1:00 p.m. to 2:00 p.m.

SCTAC Office240 Terminal RoadGreenville, SC 29605

Monday - Friday: 8:30 a.m. to 5:00 p.m.

Closed daily: 1:00 p.m. to 2:00 p.m.

Simpsonville Office350 Harrison Bridge RoadSimpsonville, SC 29680

Monday - Wednesday:8:30 a.m. to 5:00 p.m.Thursday & Friday:8:30 a.m. to 5:30 p.m.

CUTC AD?

Activate Your CU Travel Club Membership!Did you know that one of your many benefits as a member of Greenville Heritage Federal Credit Union is a FREE membership with Credit Union Travel? Credit Union Travel Club is an online travel booking site exclusively for credit union members, unlocking real savings on hotels, cruises, vacation packages, and more!

We encourage you to activate this annual $99 membership, for free, as a “Thank You” for being a member of Greenville Heritage. Just click on the link on the home page of our website or visit www.credituniontravelclub.com and use the code GHFCU19 to activate your membership.

Update Your Contact Information!Have you moved recently, disconnected your home phone, or changed any of your phone numbers? Has your email address changed? If so, please take a few moments to update your contact information with us. This will ensure that you can be reached by phone if someone attempts fraud on your account or that your statements and other important correspondence will reach you by mail or email.

GHFCU Maintains Five-Star Superior Rating!Greenville Heritage FCU received the five-star Superior rating from Bauer Financial Inc. in Coral Gables, Florida, for the first quarter of 2019. We have consistently earned this rating since Bauer began rating credit unions. What does this mean to you? It means your credit union is well capitalized and financially sound.