Personal Savings Rates

Get more from your savings. Earn interest at higher rates than a traditional commercial bank account.


Because a credit union is a nonprofit that is owned by their members, their accounts offer higher interest rates than their commercial banking counterparts.

At GHS, your savings account can yield higher dividends than traditional commercial financial institutions. We offer Primary, Special, and IRA Shares, Youth Savings accounts, as well as Holiday Club and Kris Kringle seasonal saving options.

Save with us as a GHS member and you’ll have access to our array of products and services, including convenient online banking on the go with our mobile app, eDeposit, and our network of free ATMs .


You can make the competitive rates at GHS part of a comprehensive strategy to not only save your hard-earned money, but to grow it, as well.


No matter which way you look at it, your goals have a price tag. That means saving. You might be just starting out as a saver, or perhaps you’re saving for more than one thing at once.

Whichever category you fall into, where your money goes matters. That’s why GHS provides several options for our members to make the most of their savings.

Savings Account Rates

Account TypeMin. Avg. Daily BalanceDividend RateAPY*
Primary Shares/Special Shares$100.000.25%0.25%
Holiday Club$100.000.25%0.25%
Youth Savings Account & Kris Kringle$5.000.25%0.25%
IRA Shares$100.000.25%0.25%

*APY = Annual Percentage Yield. Rates are subject to change at any time. For further information about rates, applicable fees and terms, please contact GHS at (607) 723-7962 or toll free at (800) 732-4447. Early withdrawal penalties may be imposed on Term Share Accounts. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.

Frequently Asked Questions

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Are personal savings dividend rates permanent?
Prime Shares, Special Shares, Holiday Club, Money Market Shares, Youth Savings Account, IRA Shares and Kris Kringle are variable rate accounts and as such, subject to change. Dividend rates are anticipated rates based upon earnings. Rates are subject to change at any time.

For further information about savings rates, applicable fees and terms, please contact GHS at (607) 723-7962. Early withdrawal penalties may be imposed on Term Share Accounts.

How do youth savings accounts for minors work?
We offer a couple of options for the youngest GHS members.


Kids save up for the special holiday gift they want for themselves or someone else. With the Kris Kringle Holiday Klub, they set a savings goal and then work to meet it.


Open a youth savings account for your kid, and they’ll enjoy special prizes, products, and services, along with a valuable education in money management.

Are my savings protected by National Credit Union Administration (NCUA) deposit insurance?

An independent agency of the United States government, the NCUA regulates, charters federal credit unions, as well as provides oversight. They manage and operate the National Credit Union Share Insurance Fund (NCUSIF), which insures the accounts of members of all federal credit unions, as well as many state-chartered ones. The NCUSIF is backed by the full faith and credit of the U.S. government and typically insures accounts up to $250,000 per member, per insured credit union, and per account.

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Young, smiling man holds atm card and looks at phone.  Learn about personal saving account rates at GHS FCU.