Credit union · NCUA insured
GHS FCU Credit Card Rates
Top CarrotGHS FCU credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How GHS FCU’s credit card rates compare
Compared with banks and credit unions near Binghamton, NY, where GHS FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
GHS FCU
7.90%APR
- Up to
- 17.90% APR
Visa Credit Card
2nd-lowest rate
Broadview Federal Credit Union
11.74%APR
- Up to
- —
3rd-lowest rate
Empower Federal Credit Union
12.24%APR
- Up to
- 17.99% APR
GHS FCU credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GHS FCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Credit Card
Credit union membership required with a $1.00 minimum deposit and $1.00 membership fee. Membership eligibility open to those living, working, worshiping, attending school, or volunteering in select NY and PA counties, or immediate family members. All loans subject to credit approval. Rate and term based on creditworthiness. Rate will not increase while plan is open. Refinancing of existing GHS FCU loans does not qualify.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory APR financing on purchases for the first 6 months. No balance transfer fees. |
| Ongoing | 7.90%–17.90% | None | 7.90% APR to 17.90% APR fixed rate after the first 6 months. Determined based on creditworthiness. Rate will not increase while the plan is open. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.