Earn 2.25% APY*

on a 9 month share certificate**

with $5,000 minimum deposit. Rate applies to new deposits only.

Earn money on your investments with a low risk, high reward share certificate from GHS Federal Credit Union. Invest your money now in a 9 month share certificate and earn 2.25% APY with a minimum of $5,000.

Today’s market is constantly changing, and the next move can be unpredictable. With a 9 month share certificate, you have the flexibility to move with the market or renew while still earning high dividends on your investments – fast – with GHS. Start earning NOW!

Ready to get started?

Invest now by calling or visiting a branch to open and start earning!

Why Choose a Share Certificate from GHS?

When you open a share certificate, you’ll already know the dividends you’ll receive upon its maturity date, provided you don’t make any early withdrawals (early withdrawal penalties apply). At GHS, share certificates can automatically renew upon maturity so you can keep earning.

The benefit of our 9 month share certificate special is that with high yield at 2.25%* APY and a shorter term, you will earn a higher return on investment while giving you the freedom to reinvest if we offer a better rate in the future as market shifts – and we can guarantee our rate is highly competitive!


Share Certificate Rates

TermRegular AccountIRA AccountDividend RateAPY*
Minimum Opening DepositMinimum Opening Deposit
3 Month$500.00N/A0.50%0.50%
6 Month$500.00N/A0.65%0.65%
9 month$500.00N/A0.65%0.65%
9 Month Special**$5,000.00$5,000.002.23%2.25%
12 Month$500.00$500.000.75%0.75%
13 Month Plus$500.00$500.000.75%0.75%
18 Month$500.00$500.001.00%1.00%
24 Month$500.00$500.001.14%1.15%
25 Month Plus$500.00$500.001.14%1.15%
30 Month$500.00$500.001.24%1.25%
36 Month$500.00$500.001.49%1.50%
48 Month$500.00$500.001.74%1.75%
60 Month$500.00$500.001.98%2.00%

Certificates are federally insured by the NCUA (National Credit Union Administration) up to $250,000.

*APY = Annual Percentage Yield. Rates are subject to change without notice 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.

**Special share certificate rate for a limited time offered for new money to the credit union only, no rollovers.

Terms and conditions apply.