Keep your financial strength during turbulent times.

We’ll help you understand your financial options that make the most sense for your individual situation. Our range of product offerings can help insulate you from financial risk.

2.978% APR*

Mortgage Refinancing

2.75% APR*

Auto Loan Refinancing

6.75% APR*

Personal Loans

How GHS FCU Can Help Your Financial Well-Being


We are here to help during difficult times.

If you have been impacted by recent events and health emergencies, we are here to help you get back on track financially. Our range of options allows you to get back on the path to achieving financial peace.

The Federal interest rates have dropped.

Here’s what this means for you financially.

1. Borrowing or refinancing options could equal more savings. If you are concerned about your financial future, borrowing money can be a smart decision to keep your short-term finances afloat during fluctuating, unpredictable times. Lowering your expenses through refinancing your mortgage or auto loan could quickly add up to cash you’re able to spend elsewhere.

2. Annual Percentage Yield (also known as APY) may be decreasing. Rest assured, this does not mean you are losing money from your savings account. A lower rate translates to less interest earned, but access to your money is still available whenever you need it.

3. Consider loan options for quick access to funds. A tighter budget or income-change may heighten the need for financial flexibility and convenient access to funds. A personal loan or home equity line of credit could free up cash to use without collateral, extra fees, or high credit card interest rates.

Low Rates and Fees

Save more of your hard-earned money without pesky fees or high rates.

Lock in A Rate

Commit to a rate you are comfortable with to avoid fluctuating rates.

Team Of Advisors

Our team of advisors are with you every step of the way.

Schedule An Appointment With GHS

Schedule an in-person appointment at our Front Street or Norwich branch. Give us a call during the hours below to find a time that works with your schedule.

Monday – Wednesday 8:30 AM – 5:00 PM

Thursday – Friday 8:30 AM – 5:30 PM

Saturday 9:00 AM – 12:00 PM

Paycheck Protection Program

GHS is accepting SBA Payroll Protection Program loan applications.

We understand that staff and employees are a vital proponent of our community’s small businesses, and the COVID-19 pandemic has impacted both business owners and their teams.


To support our community’s small businesses, GHS is now accepting applications for Small Business Administration Paycheck Protection Program loans, a loan designed to provide small businesses an opportunity to keep their staff employed during the Coronavirus (COVID-19) crisis.


Learn more by calling our GHS team at 800-732-4447 or click to apply now!

Mortgage Refinancing

Secure a lower mortgage loan rate when you refinance with us. Our quick, hassle-free process makes saving extra funds a breeze. Lower your monthly payments with a personalized mortgage refinance. 

  • Lower monthly payments
  • Money to use for other purposes
  • Shorter loan term


Rates as low as

2.978% APR*

Rates as low as

2.50% APR*


    Auto Loan Refinancing

    Refinance your existing auto loan with GHS Federal Credit Union to lower your rates and keep more money in your pocket. Drive with financial peace of mind knowing you’re saving more on your monthly payments at a refinanced rate. 

    • Comfortable terms to fit your budget
    • Up to 110% financing on new & late-model vehicles
    • Lower monthly payments

      Personal Loans

      Need money quickly? We can help you to tackle your financial obligations without the outrageous fees or unaffordable terms. We’ll help you to reach your financial goals and help kick debt to the curb. 

      Consolidate debt or high-interest balances

      • Access to finances when you need them
      • Low fixed rate


      Rates as low as

      6.75% APR*

      Introductory rate as low a

      0% APR*


        Credit Card Balance Transfer

        Get back to spending when you transfer high-rate balances to a GHS Visa Platinum credit card. Get rewarded right from the start with no annual fees or 0% introductory APR* on balance transfers for the first 6 months. 

        • 25-day grace period so you can buy now, pay later
        • No annual fees
        • Convenient access to worldwide ATMs

          Skip-A-Payment Tool

          Defer your loan payments with the help of our Skip-A-Payment tool. Keep more money in your pocket and save the payments for a later date.

          • No fees up to 3 months for current members
          • Push payments to a later date 

          No fees for up to

          3 Months

          for current members

          Rates up to

          0.10% APY*


            High Yield Savings Account

            Let your savings work for you by earning dividends on your balances. Maximize your money while still having convenient access to your funds whenever you need them most.

            • Competitive dividends
            • Great money earning solution
            • Access to funds

              Love how friendly it is and they make banking so much easier!

              – Ashlee M.



              Good fast service!

              Maryanne P.

              Get In Touch To Learn More About Your Financial Options

              Give us a call and one of our team members will be happy to assist you.


              Our Response To COVID-19


              In light of the recent events, recommendation and guidelines regarding the Coronavirus, our branch lobbies are open by appointment only in an effort to reduce public gathering numbers and practice social distancing.

              We are taking these steps with the health and safety of our members, staff and the community in mind.

              All drive-thru locations and ATMs are open so you can continue conducting essential financial transactions. We also recommend that you utilize online, mobile, and telephone banking to complete as many transactions as possible.

              The healthy & safety of our members, staff, and community is our #1 priority.