Visa Credit Card with GHS


Make purchases with the convenient and widely accepted GHS Visa® Platinum credit card. You’ll be rewarded, right from the start:

  • NO annual fee
  • Low fixed APR
  • Payments accepted through Online Banking
  • Buy now, pay later with 25 day grace period
  • No default or penalty pricing
  • Convenient worldwide ATM access
  • 0% introductory APR for first 6 months* financing on purchases
  • Zero fee balance transfers anytime
  • Earn VISA® Scorecard Rewards

Already a member? Login to Online or Mobile Banking to apply.

*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 $1.00 minimum deposit and $1.00 membership fee. Some restrictions may apply. Rates and terms are subject to change.

Let's get started

Apply online using our quick and easy online application. It only takes a few minutes!

Already a member? Login to Online or Mobile Banking to apply.

Enjoy the following benefits of our Visa® Credit Card

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

Find peace of mind

Visa® offers comprehensive fraud protection that makes it harder for someone else to use your Visa® debit card to shop online if your card is lost or stolen. A personal password protects your GHS Visa® credit card and debit card, providing reassurance that only you can use your card online.


How is a credit card different from a debit card?
A debit card immediately withdraws existing funds from your checking account, to which it is linked. You can only spend money you already have in the checking account.

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?
You must be a member to take advantage of our debit and credit cards, offers, and other GHS financial products and services.

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.

Start your online application

What are the benefits of joining a credit union?
There are lots of reasons to become a member. Benefits include:

  • 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?
Apply for a balance transfer online or download a form and bring into a GHS location.
How does my credit score affect my rate?
A higher credit score typically translates to lower interest rates and fees.

Check your own credit score for free once a year at

How do I sign up for mobile banking?
Signing up for mobile banking is easy. Simply download the GHS FCU Mobile app. When you login for the first time, all you have to do is follow the prompts.

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?
With a GHS FCU member number, you’re ready to sign up for online banking. In addition to your member number, you’ll need the following:

  • Zip code
  • Birth date
  • SSN/TIN last four
What are the benefits of online banking?
GHS FCU online banking offers a variety of convenient features, including:

  • 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 7.90% APR, free eStatements, and online bill payment.

How do eStatements work?
Enjoy the convenience of accessing your credit card statements online. They’re also available as PDFs, so you can print and save for your records.

We offer eStatements for bank accounts and a variety of loans.

How do I earn Visa Scorecard Rewards points?

As a rewards credit card, you earn points every time you use your Visa Platinum Credit Card. You can redeem the points to put toward some of the following:

  • Travel, experiences, and event tickets
  • Name brand electronics, household items, and more
  • Gift Cards
  • Cash back
  • Charitable donations
  • And more!

Learn more and login to view your rewards points!

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.

If your Debit or Credit card has been lost or stolen, please contact Visa Lost or Stolen support immediately at 1-833-933-1681 or international 1-812-647-9794. They will block and reissue your card.

You can also turn your debit card on and off from your smartphone. Simply log into our Mobile Banking app and tap the card image to disable your card.