| Account Type | Min. Avg. Daily Balance | Dividend Rate | APY** |
|---|---|---|---|
| VIP Free Checking | $0 | ||
| 50+ Free Checking | $0 | ||
| Premier Yield Checking | $0 − $1,499.99 | ||
| Premier Yield Checking | $1,500 | ||
| Premier Yield Business Checking | $0 − $1,499.99 | ||
| Premier Yield Business Checking | $1,500 |
*Kasasa Disclaimer: Kasasa Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Call (800) 732-4447 to speak with one of our branch service representatives for specific Monthly Qualification Cycle dates. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.
| Account Type | Min. Avg. Daily Balance | Dividend Rate | APY* |
|---|---|---|---|
| Primary Shares/Special Shares | $100.00 | ||
| Money Market Savings | $2,500.00 | ||
| Money Market Plus | $10,000.00-$24,999.99 | ||
| $25,000.00-$49,999.99 | |||
| $50,000.00+ | |||
| Holiday Club | $100.00 | ||
| Youth Savings Account & Kris Kringle | $5.00 | ||
| Share Certificate - 3 Month | $500.00 | ||
| Share Certificate - 6 Month | $500.00 | ||
| Share Certificate - 9 Month | $500.00 | ||
| Share Certificate - 12 Month | $500.00 | ||
| Share Certificate - 13 Month Plus | $500.00 | ||
| Share Certificate - 18 Month | $500.00 | ||
| Share Certificate - 24 Month | $500.00 | ||
| Share Certificate - 25 Month Plus | $500.00 | ||
| Share Certificate - 30 Month | $500.00 | ||
| Share Certificate - 36 Month | $500.00 | ||
| Share Certificate - 48 Month | $500.00 | ||
| Share Certificate - 60 Month | $500.00 | ||
| IRA Shares | $100.00 |
*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. **APY = Annual Percentage Yield. Excludes IRA Share Certificates. Rates subject to change. Special share certificate rate for a limited time. Certificates are federally insured by the NCUA.
| Loan Type | Term* | Non-Variable APR with Rate Discount up to 0.25%* |
|---|---|---|
| Unsecured Loans | 1 to 12 Months | |
| 13 to 24 Months | ||
| 25 to 36 Months | ||
| 37 to 48 Months | ||
| 49 to 60 Months | ||
| Certificate Secure Loans | Maximum Term is Certificate Maturity Date (with up to 60-month repayment calculation) | APR + |
*APR = Annual Percentage Rate. Rate shown is “as low as.” All loans subject to credit approval. Rate and term to be determined based on creditworthiness. 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. Minimum loan amount is $500.00. Some restrictions may apply. Rates and terms are subject to change.
| Loan Type | Term | APR* |
|---|---|---|
| Recreational Vehicles: New (2021 or newer) | 60-Month*** | |
| 144-Month*** | ||
| Recreational Vehicles: Used (2013 - 2020) | 60-Month*** | |
| 144-Month*** |
*APR = Annual Percentage Rate. Rate shown is “as low as.” All loans subject to credit approval. Rate and term to be determined based on creditworthiness.
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. Minimum loan amount is $500.00. Some restrictions may apply.
Rates and terms are subject to change.
***GHS’s normal underwriting and processing guidelines apply.
| Loan Type | Term | APR* |
|---|---|---|
| Home Equity Loans** | 84 Months | |
| 120 Months | ||
| 180 Months | ||
| HELOC | 20-Year Repayment Period | Please call for rates. (800) 732-4447 |
**Home equity financing with added peace of mind. If you so choose, credit life insurance and credit disability insurance are also available on GHS Home Equity Loans. These policies pay on your loan should you die or become disabled. *APR = Annual Percentage Rate. Rates are shown “as low as”. Contact a GHS Federal Credit Union representative by stopping in or call (607) 723-7962 or toll free (800) 732-4447 for the most current rates. The rate and term may vary depending on each individual’s credit history and underwriting factors. All credit union loan rates, terms and conditions are subject to change at any time without notice. Refinancing of existing GHS FCU loans are not eligible. Some restrictions apply. Flood and/or property hazard insurance may be required. Credit Union Membership required with $1.00 minimum deposit and $1.00 membership fee.
| Loan Type | Term (Approximate) | APR* |
|---|---|---|
| Auto/Truck 2024 or Newer Models | To 48 Months | As low as |
| 60 Months | ||
| 72 - 84 Months | ||
| Auto/Truck 2017-2023 Models | To 48 Months | |
| 60 Months | ||
| 72 - 84 Months |
*APR = Annual Percentage Rate. Rates are shown “as low as.” Rates and terms are subject to change. Contact a GHS Federal Credit Union representative by stopping in or call (607) 723-7962 or toll free at (800) 732-4447 for the most current rates. The rate and term may vary depending on each individual’s credit history and underwriting factors. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. **On new and late model vehicles, GHS will finance up to 110% of the NADA (National Automotive Dealer Association) retail value plus tax and title.