GHS is pleased to offer members a Visa Platinum Credit card. As low as 7. 90% APR*!

GHS Visa Platitum

With a GHS Visa Platinum you get:

No annual fee
Low fixed APR
No default rate, no penalty pricing --- just One Rate!
No transaction fees for cash advances
25-day grace period on all purchases
ATM access at terminals worldwide
Toll-free phone number for account information
Pay your Visa Online
*APR=Annual Percentage Rate. Rates may range from 7.90% APR to 17.90%. Rate determined by credit worthiness.

 VISA On-line

Get on-line & secure access to your GHS VISA credit card information 24 hours a day! You can make your VISA payment online, review account summaries, perform transaction searches and more! Enrolling for secure on-line services is quick and easy. 

You will need the following to enroll:

  • VISA card number
  • GHS Routing and Transit Number 221373707
  • GHS account number

Enroll or pay your VISA Bill online now! 

Verified by VISA

Verified by Visa can protect your existing GHS Visa card and Freedom Debit Card for use on the Internet with a personal password, giving you reassurance that only you can use your card online.  Click here to learn more and for instructions on how to enroll. 

Scorecard®: Because Life Should Be Rewarding 

1 point for every $1 purchased!  It's that SIMPLE.

You use your ScoreCard® for everyday life. To purchase groceries. To pay for an oil change. Even to buy that last minute gift for a friend. So while you're busy taking care of your life, who's taking care of you? Your ScoreCard®. Each purchase you make with your card earns you valuable Bonus Points you can redeem for brand name merchandise and exciting travel rewards. 

If you visit the web site, you'll be amazed at the merchandise available. Choose from categories like Appliances, Lawn and Garden and Sporting Goods, and from brand names like Black & Decker®, Nike®, and Toshiba®. You can also search for awards by Bonus Points level, so you will always know how many more Bonus Points you'll need for that "must have" reward. Once you've earned enough Bonus Points to redeem, you can send in your order on line or through regular mail. It's that easy! When it comes to travel, ScoreCard® has something for every preference and every Bonus Point level. 

Cardholders can redeem their Bonus Points for Travel options such as; Experience Awards, redeem points for an experience of a lifetime; Vacation Packages and Cruises, you tell the agent the desired destination and the agent will offer all available options to redeem Bonus Points towards the purchase of the chosen vacation package or cruise; Universal airline tickets are available for both domestic and international travel, with no black out dates. All details, charts and information on these programs as well as the ability to redeem airline tickets, book hotel rooms and make car rental reservations is available via 

To find out how many Bonus Points you need to reach your destination, simply visit or call 1-800-842-3006, Monday- Friday, 9 AM-9PM EST and Saturday-Sunday 9AM-4: 30PM EST

Relationship Discount

Our relationship discount provides extra savings on most GHS loans. Members can qualify for 0.25% off their loan by having an automatic monthly payment from GHS checking/savings/payroll.  An additional 0.25% will be taken off  the loan for being an eStatement User (New or Existing). Call the GHS loan department for more information. Binghamton: (607) 723-7962, or Norwich: (607) 334-6461.