Credit union · NCUA insured
GHS FCU CD Rates
Top CarrotGHS FCU’s best CD rate is 4.10% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How GHS FCU’s CD rates compare
Compared with banks and credit unions near Binghamton, NY, where GHS FCU has the most branches. $10,000, best rate first.
This credit union’s best
GHS FCU
4.10%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $410
Share Certificate
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
3rd-highest rate
NBT Bank
4.00%APY
- Term
- 4 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $132
GHS FCU CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where GHS FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.10%APY · 10 terms
Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Federally insured by NCUA up to $250,000. Interest compounded monthly, paid by check, or transferred to another GHS FCU account; certificate must compound and interest must accrue in the account to earn stated APY. Early withdrawal penalties apply (90 days of interest if open < 12 months, 180 days of interest if >= 12 months). Automatically renews upon maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum average daily balance of $500.00 | 4.00% | $99 |
| 6 monthsMinimum average daily balance of $500.00 | 3.50% | $173 |
| 9 monthsMinimum average daily balance of $500.00 | 3.50% | $261 |
| 12 monthsSpecial limited-time promotional rate available September 1 through November 1, 2026. Minimum average daily balance of $500.00 | 4.10% | $410 |
| 18 monthsMinimum average daily balance of $500.00 | 3.25% | $491 |
| 24 monthsMinimum average daily balance of $500.00 | 3.00% | $609 |
| 30 monthsMinimum average daily balance of $500.00 | 3.00% | $767 |
| 36 monthsMinimum average daily balance of $500.00 | 3.00% | $927 |
| 48 monthsMinimum average daily balance of $500.00 | 3.00% | $1,255 |
| 60 monthsMinimum average daily balance of $500.00 | 3.00% | $1,593 |
Sources (3)
All captured Sep 17, 2026
Who can join GHS FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, volunteers, or worships in Broome, Chemung, Chenango, Cortland, Delaware, Greene, Schoharie, Sullivan, Steuben, Tioga, and Tompkins Counties in New York, and Bradford, Susquehanna, and Tioga Counties in Pennsylvania is eligible for membership.
Family and household
- Individuals related (or directly related) to a member who meets eligibility requirements are eligible for membership.
Cost to join
- Credit union membership requires a $1.00 minimum deposit and a $1.00 membership fee.
Membership information collected October 5, 2026.