GHS’ preferred member-only interest rates are always among the best around.

Term Share Accounts

TermRegular AccountIRA AccountDividend RateAPY
Minimum Opening DepositMinimum Opening Deposit
3 Month$500.00N/A0.25%0.25%
6 Month$500.00N/A0.35%0.35%
9 Month$500.00N/A0.40%0.40%
12 Month$500.00$500.000.50%0.50%
13 Month Plus$10,000.00$10,000.000.55%0.55%
18 Month$500.00$500.000.60%0.60%
24 Month$500.00$500.000.70%0.70%
25 Month Plus$10,000.00$10,000.000.85%0.85%
30 Month$500.00$500.001.00%1.00%
36 Month$500.00$500.001.09%1.10%
48 Month$500.00$500.001.54%1.55%
60 Month$500.00$500.001.93%1.95%
13 & 25 Months (limited time special, both must be opened)$2,000.00$2,000.001.00%/1.24%1.00%/1.25%
Last Updated: July 26, 2015 7:41 PM

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 $25 minimum deposit and $1.00 membership fee.

Deposit Account Rates

Account TypeMin. Avg. Daily BalanceDividend RateAPY
Primary Shares/Special Shares$100.000.10%0.10%
Holiday Club$100.000.10%0.10%
Money Market Savings$2,500.000.10%0.10%
Money Market Plus$10,000.00−$24,999.990.20%0.20%
$25,000.00−$49,999.990.40%0.40%
$50,000.00 +0.40%0.40%
Kids Klub Kash Accounts & Kris Kringle$5.000.10%0.10%
IRA Shares$100.000.10%0.10%
Last Updated: November 4, 2014 9:43 AM

Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.

Checking Account Rates

Account TypeMin. Avg. Daily BalanceDividend RateAPY
VIP Free Checking$00.10%0.10%
50+ Free Checking$00.10%0.10%
Premier Yield Checking$0−$1499.990.10%0.10%
$15000.25%0.25%
Premier Yield Business Checking$0−$1499.990.10%0.10%
$15000.25%0.25%
Last Updated: November 4, 2014 9:43 AM

Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee. $50 minimum to open a brand new checking account. Dividend earning account rates subject to change.

Real Estate

Loan TypeTerm (Approximate)Non-Variable APR*
Mortgages15, 20, 30 YearsPlease call for rates.
800-732-4447
Home Equity Loans**60 Months3.00%
120 Months4.25%
180 Months4.50%
Home Equity Lines of Credit20-Year Repayment Period/5-Year DrawPlease call for rates.
800-732-4447
Last Updated: May 19, 2016 9:59 AM

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 $25 minimum deposit and $1.00 membership fee.

Auto/Truck/Recreational Vehicles

Loan TypeTerm (Approximate)Non-Variable APR*
Auto/Truck 2014 or Newer Models36 Month2.15%
60 Month2.65%
72 Month2.65%
84 Month***3.15%
Auto/Truck 2010–2013 Models36 Month2.45%
60 Month2.95%
Auto/Truck 2007–2009 Models36 Month4.55%
48 Month5.05%
Recreational Vehicles: New 2014 or Newer84 Month***4.79%
120 Month***4.79%
Recreational Vehicles: Used 2007–201348 Month3.95%
60 Month***3.95%
84 Month***4.99%
Last Updated: March 1, 2017 9:51 AM

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 $25 minimum deposit and $1.00 membership fee.

Personal Loans

Loan TypeTerm (Approximate)Non-Variable APR*
Unsecured Loans60 Months6.75%
Visa® Platinum Rewards CardsRevolving7.90% to 17.90%
Last Updated: February 1, 2016 8:51 AM

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 $25 minimum deposit and $1.00 membership fee.

Share/Certificate Secured

Loan TypeTerm (Approximate)Non-Variable APR*
Certificated Secured LoansMaximum Term is Certificate Maturity Date (with up to 60-month repayment calculation)APY + 3.00%, 5% floor
Last Updated: November 4, 2014 9:44 AM

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 $25 minimum deposit and $1.00 membership fee.


Prime Shares, Special Shares, Holiday Club, Money Market Shares, Kids Klub Kash Accounts, 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 rates, applicable fees and terms, please contact GHS at (607) 723-7962. Early withdrawal penalties may be imposed on Term Share Accounts.

• Loans are subject to credit approval.
• All loan rates are determined by creditworthiness and may vary from those shown.