Inside this issue:

Holiday ClosingsAll Offices

Independence DayThursday, July 4

Labor DayMonday, September 2

July 2019

MONEY MATTERSA Quarterly Publication of Greenville Heritage Federal Credit Union

• President/CEO’s Letter

• Annual Recognition Dinner

• July/August Skip-A-Pay

• 100% Member Account Verification

• Car Shopping Made Simple!

• Credit Union Travel Club

• Love My Credit Union Rewards!

• NEW! Text Alerts for Debit Card Fraud

• National Youth Savings Challenge Results

• Five-Star Superior Rating

• GHFCU Mobile App

Need 24-hour account access?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.

Enjoy Sizzling Summer Specials! Be Rewarded for New Deposit Accounts and Loans!

Summer is in full swing and Greenville Heritage Federal Credit Union is excited to offer several Sizzling Summer Specials designed to reward our members for doing business with us.

This 3rd Quarter promotion is more than just a consumer loan promotion, we are also rewarding members for opening new checking accounts and Term Share Certificates and transferring balances from other credit cards to a GHFCU Visa. Following are the rewards:

PCruise Certificate for any consumer loan of $30k or more!1

PFREE custom debit card with any new checking account!2

P0.50% APY bump on any term share certificate of $50k or more!3

P2.99% APR for six months on all balance transfers to a GHFCU Visa!4

Take advantage of this GHFCU loan promotion to buy that new car, motorcycle, boat, or RV you’ve been dreaming of and your next vacation getaway could be on us. Or, talk to a loan officer

(Available in the Appleand Google Play App Stores)

Sizzling Summer Specials!Check out theRewards You Can Earn!

for a FREE no-obligation quote to see how much money you could save by refinancing an existing consumer loan from another lender with Greenville Heritage FCU.

Visit your nearest branch to open a new checking account or certificate. Call 370.5670 to speak with a loan officer about a consumer loan or balance transfer to a GHFCU Visa during normal business hours. Or, you can apply 24/7 on our website, www.greenvilleheritage.com!

*Promotion dates: July 1 to September 30, 2019. Normal credit guidelines apply. Cannot be combined with any other promotion. 1Member will be responsible for the registration fee, port charges, taxes, gratuities, and transportation to and from the port. 2Offer applies to new checking accounts. 3APY is Annual Percentage Yield. Certificate must be $50k+ new money to qualify. 42.99% APR Introductory Rate is valid for six months from date of balance transfer(s). Pay off of existing GHFCU credit card(s) or loans not allowed. Refer to original Credit Card Terms and Conditions for effective rate after intro period. Terms and annual percentage rate (APR) are subject to change without notice. Interest is charged on average daily balance each month. Visit your nearest branch or our website for full promotion details.

Greenville Heritage FCU held its Annual Recognition Dinner on May 14, 2019. Alan Berry, President/CEO, recognized Board, Supervisory Committee, and Nominating Committee members and expressed appreciation for their service to the Credit Union as volunteer, non-paid officials. Employees were also recognized for their service, accomplishments, and professional development efforts during the past year.

Three employees reached service milestones since the last Recognition Dinner. Alex Williams, Loan Officer, and Jazmine Wilson, Title Clerk/MSR, received Five-Year Service Awards at the dinner. Leslie Rivera, Branch Manager at the Main Office, received a Fifteen-Year Service Award.

Three employees attended professional development courses or schools. Angela Sprouse – CUNA’s Regulatory Compliance Certification School (Update); Camilla Estepp – CU Recovery’s Building the Foundation for Collection Call Success; and Tina Ray – CUNA’s 2018 Digital Marketing School and Ondine Irving’s 2019 Credit Card Management School.

Kathy Moore was honored as 2018 Business Person of the Year by the Greater Travelers Rest Chamber of Commerce at the Chamber’s 2019 Annual Banquet. Berry wanted to make sure credit union employees and volunteers were aware of this special recognition.

Lisa Brodnax, EVP, shared the highlights of GHFCU’s 2018 lending efforts and recognized two employees who demonstrated excellence in 2018.

Hunter Vetter, who joined GHFCU in October 2016, received the “Luann Ford Achievement Award,” established in Luann’s honor to recognize employees

Summer is here and it promises to be a hot one. The Fed is holding interest rates steady for now, so savers can finally earn decent dividends, especially on longer term certificates. When you have money to invest, check our rates first and you will see that

our deposit rates are at or near the top of our market. We want to be your best option for saving, so we’ll even match a local competitor’s rate to save you the hassle of constantly moving your money.

Now may also be the time to refinance your mortgage as mortgage rates have dropped again. Call Mary Heinecke at 688-1164 today for a quote on a 1st or 2nd mortgage/HELOC.

We also want to be the first choice for all your borrowing needs, and we’ve made it easy to get the money you need with a minimum of hassle. Just call our Loans By Phone Hotline at 370.5670, and we’ll take care of everything else. In most cases, you can even close your loan remotely — without ever stepping into a branch — using our Remote Signature Service.

We are now well into the Greenville Heritage Main Street Fridays concert series and as the name sponsor for the seventh year we couldn’t be more proud of our partnership with the City of Greenville. Every Friday night through September 27, NOMA Square is host to the best in live music, food and fun. We hope you will join us! Enjoy great music and be sure to register to win a two-night stay at the Hyatt Hotel in beautiful downtown Greenville while you’re there!

Our success is built on the support of members like you. Your loyalty to the credit union is what makes it possible for us to grow and serve more of the Greenville community. Please tell your friends and neighbors about the benefits of credit union ownership.

Sincerely,

Alan BerryPresident/CEO

Page 2

Annual Recognition DinnerOfficials and Employees Honored

Letter from the President/CEO

Alan Berry presents Five-Year Service Award plaque to Alex Williams.

Alan Berry presents Five-Year Service Award plaque to Jazmine Wilson.

Alan Berry and Lisa Brodnax (right) present 15-Year Service Award to Leslie Rivera.

continued on page 4

Alan Berry recognizes Kathy Moore as the TR Chamber Business Person of the Year.

Page 3

The Audit Division of the Carolinas Credit Union League, PLR Auditing Service, is conducting Greenville Heritage FCU’s biennial 100% Account Verification required by the NCUA this month. Please review your June statement carefully and notify PLR Auditing Service if there are any errors. In the event of errors, please copy the statement, circle and explain the error, mail the statement and enclosed insert to: Professional League Resources, AV Processing/Greenville Heritage FCU, P.O. Box 2529, Irmo, SC 29063. Please include your contact information in case they need to reach you.

100% Member Account Verification this Month

Skip-A-Pay this Summer!

*Member must be in good standing and cannot have been more than 15 days late in the past 90 days. Must have made at least one payment on the loan. A $30 administrative fee applies to each loan skipped. Mortgage, Visa, STS, Workout loans, and loans currently paid by CMG Credit Disability or Credit Life insurance are excluded. Repeated election of the Skip-A-Pay program on auto loans may reduce the coverage offered by GAP Insurance.

Skip your July or August loan

payment(s) and have more money in

your pocket for a vacation or back to

school supplies!

To take advantage of this special offer,

call 467.4160 or see aTeller/MSR before the due date of the payment

you want to skip.

Find Your Next Car Here!Experience the ease of car buying with our new Auto Buying Center. With this exclusive, cutting-edge technology, you’ll find car searching is a breeze. Our site provides all the information, data and inventory you need for your next car search with the 24/7 convenience you expect. Check out these features:

• Research over 4 million vehicles nationwide! • Search by Payment Inventory Calculator!• Create an account, so you can save cars in

your “Garage” as you search! • Save time and money with credit union pre-

approval!• Free CarFax®, Kelley Blue Book Valuations,

Multi-vehicle Comparison Tool, and more! Visit https://greenvilleheritage.groovecar.com to start the search for your next car!

Save BIG on Travel

this Summer! credituniontravel.com

Activation Code:GHFCU19

That feeling... when you find the perfect vehicle with us.

4 Research over 4 million vehicles nationwide.4 Save time and money with credit union pre-approval.

4 Free CarFax®, vehicle comparisons, and more!

Start your search today with greenvilleheritage.groovecar.com

LET THE GOOD TIMES ROLL!

Car ShoppingMade Simple!

Page 4

News Briefs

www.greenvilleheritage.com • 864.467.4160 • 800.943.6928

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.

24-Hour Instant Teller800.399.4797

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

Text Alerts for Debit Card Fraud!Greenville Heritage now offers a premium text messaging service that will allow faster response to potential fraudulent activity on our debit cards. Debit card holders will receive a text message whenever a suspicious transaction appears on your card. If you do not have a cell phone or do not receive/respond to text messages, you will continue to receive fraud notifications on the primary phone number on your member profile at the Credit Union.

2019 National Youth Savings ChallengeThis year, 13 Greenville Heritage FCU members under the age of 18 made deposits totaling $2,393.60 during the National Youth Savings Challenge in April. Eleven were new youth members who opened accounts in April.

GHFCU Maintains Five-Star Rating!Greenville Heritage FCU received the five-star Superior rating from Bauer Financial Inc. in Coral Gables, Florida, for the second 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.

Download Our Mobile App

GHFCU 2 Go!

More Reasons to love being a member of GHFCU! Greenville Heritage Federal Credit Union membership saves you money through exclusive member-only offers from our trusted partners. Through Love My Credit Union Rewards, credit union members nationwide have saved over $2 billion with offers like:

» $100 cash reward with each new line you activate with Sprint. Plus, existing Sprint customers earn $100 Annual Loyalty Cash Rewards, and 25% off select accessories in Sprint stores.» Up to $15 savings on TurboTax federal products.» Exclusive discounts from the TruStage Insurance Program.

Watch for new partners/discounts, like SimpliSafe, as they are added in 2019! Just click on the ad on LMCUR ad our home page for the latest information!

Locate Surcharge-free ATMs • View Account Balances and Recent Transactions • Transfer Funds • Deposit Checks • Pay Bills

(Available in the Appleand Google Play App Stores)

GET NEW INFO!

Recognition Dinner continued from page 2

who exhibit excellence and the very best in teamwork. Brodnax praised Vetter for going above and beyond, including her willingness to fill in whenever needed and presenting great ideas for future teller training.

Alex Williams received the Top Loan Producer Award for 2018. Williams has consistently been a top loan producer since joining the lending team in October 2013. In 2018, he produced $7,626,116 which was $2.1 million more than any other consumer loan officer. In fact, Williams produced 38.5% of GHFCU’s total loan volume for the year.

Berry closed the evening’s festivities by sharing the highlights of 2018, recognizing the new employees who have joined GHFCU in the past year and introducing each employee by branch.

Lisa Brodnax (r) presents 2018 Top Loan Producer Award to Alex Williams.

Lisa Brodnax (r) presents 2018 Luann Ford Excellence Award to Hunter Vetter.