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

GHS will be offering 0.00% *APR for six months on balance transfers and purchases from March 1st- April 30th! 


•             Zero Percent *APR- for 6 months -March 1- April 30
•             Offer is valid on Balance Transfer and Purchases
•             No Annual Fee
•             No Default Rate
•             No Balance Transfer Fee
•             No Cash Advance Fee

Apply Online.

 Existing cardholders can take advantage of this offer too by doing a balance transfer!  Click here for a Visa Balance Transfer form.

You can also get Scorecard® Reward Points for using your VISA!  Sign-up today and begin rewarding yourself tomorrow! 

Other Details:

•             Rate will default to approved rate or existing rate at end of 6-month term
•             Minimum balance transfer is $500.00
•             All loans subject to credit worthiness

* GHS is offering a promotional rate for our new VISA Platinum cardholders for a period of six (6) months on new purchases and balance transfers which post to an account between March 1, 2014 through April 30, 2014. Existing cardholders can take advantage of the promotional offer only through a balance transfer. Existing cardholders do not have to re-qualify for the promotional offer. Existing balances will remain at the current APR. The monthly periodic rate for this offer is 0.000%, which is an APR = ANNUAL PERCENTAGE RATE of 0.00%. Thereafter, the monthly periodic rate will change to 0.6583% - 1.4917% which is an ANNUAL PERCENTAGE RATE of 7.90% - 17.90%. Promotional rate will run from March 1, 2014 through October 31, 2014. (Refinances on existing GHS loans or line of credit balances will not be allowed under this promotion.) Minimum balance transfer - $500.00. Cash advances and statement checks are not included in this offer. GHS reserves the right to terminate this offer at any time. Some restrictions may apply.

With the Visa Platinum you get Reward points on purchases. Rewards are tracked on every statement in the category referred to as Scorecard®

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.