Visa Credit Card with GHS
YOU CAN GET A GHS VISA® PLATINUM CREDIT CARD WITH A 0% APR* INTRODUCTORY RATE. THEN, RATES ARE AS LOW AS 7.90% APR* AFTER SIX MONTHS.
Make purchases with the convenient and widely accepted GHS Visa® Platinum credit card. You’ll be rewarded, right from the start:
*APR = Annual Percentage Rate.
0% APR introductory rate and then, 7.90% APR to 17.90% APR fixed rate after the first six months. Rate shown is “as low as.”
All loans subject to credit approval. Rate and term to be determined based on credit worthiness. The rate will not increase while the plan is open. Refinancing of existing GHS FCU loans do not qualify.
Cannot be combined with any other offer. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee. Some restrictions may apply. Rates and terms are subject to change.
** For balance transfers after six months, the balance plus 2% of the amount of each balance transfer will apply. Foreign transfer fee of 1% of each multiple currency transfer in U.S. dollars will apply.
Enjoy the added convenience of 24/7 online bill pay
Pay online with secure 24/7 access to your GHS Visa® credit card account
- Make your Visa® payment online
- Review account summaries
- Perform transaction searches and more
How is a credit card different from a debit card?
With a credit card, you are borrowing money. When you apply, your financial institution weighs various factors to determine the limit, or maximum amount you can borrow.
You get a monthly statement reviewing all of your purchases, as well as how much you owe. Credit card payments typically have a minimum monthly payment you’re required to pay ontime. Late payments mean your financial institution will charge interest on top of what you already owe.
How do I apply for GHS Federal Credit Union credit cards?
You can apply for a VISA Platinum credit card with our online application. It only takes a few minutes!
Do I need to become a GHS FCU member to apply for a credit card?
Membership eligibility is open to anyone who lives or works, worships, goes to school, or volunteers in New York’s Broome, Chenango, or Tioga counties. Immediate family members are also eligible.
What are the benefits of joining a credit union?
- Free financial education
- Personalized attention and service
- Fewer fees and lower interest rates when you borrow
- Potential for higher returns on savings accounts.
Because credit unions are member-owned non-profits, they can pass along savings to their members. They are governed by people who live and work alongside you, which means they see you as more than a customer.
Can I transfer other credit card balances to my GHS credit card?
How does my credit score affect my rate?
Check your own credit score for free once a year at annualcreditreport.com.
How do I sign up for mobile banking?
Once you’ve got the app, you can pay bills, manage your savings and checking accounts, make deposits, and more.
How do I start using online banking?
- Zip code
- Birth date
- SSN/TIN last four
What are the benefits of online banking?
- Make credit card payments
- Apply for loan and make loan payments
- Check statements, transaction, and account history
- Set up and track auto payments
- Free, 24/7 access
Can I apply for a business credit card?
If you have a GHS FCU Business Savings and/or Checking account, you are eligible for a Business VISA Platinum Credit Card.
Take advantage of no annual fees, low rates starting at 7.99% APR, free eStatements, and online bill payment.
How do eStatements work?
We offer eStatements for bank accounts and a variety of loans.
How do I earn Visa Dream Points?
- Travel, experiences, and event tickets
- Fuel rewards
- Cash back
- Charitable donations
What if I can’t access a GHS ATM?
Access a GHS no-fee ATM any place, any time. Visit any ATM featuring logos from either Allpoint or Co-Op to access your GHS accounts.
You can also find the closest GHS ATM with our ATM finder.