Credit union · NCUA insured
GHS FCU Savings Rates
Top CarrotGHS FCU’s best savings rate is 1.25% APY on $10,000, with its Money Market Plus. Rates checked October 16, 2026.
How GHS FCU’s savings 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
1.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $125
Money Market Plus
Top rate
Peoples Security Bank & Trust
3.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $300
3rd-highest rate
UHS Employees Federal Credit Union
1.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $115
GHS FCU savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plus
1.25%APY
Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $25,000No monthly service fee if minimum average daily balance is $5,000. $5 monthly service fee if minimum average daily balance drops below $5,000. | 1.25% | $125 | No monthly service fee if minimum average daily balance is $5,000. $5 monthly service fee if minimum average daily balance drops below $5,000. |
| $25,000 – $50,000No monthly service fee if minimum average daily balance is $5,000. $5 monthly service fee if minimum average daily balance drops below $5,000. | 1.50% | — | No monthly service fee if minimum average daily balance is $5,000. $5 monthly service fee if minimum average daily balance drops below $5,000. |
| $50,000 and upNo monthly service fee if minimum average daily balance is $5,000. $5 monthly service fee if minimum average daily balance drops below $5,000. | 1.75% | — | No monthly service fee if minimum average daily balance is $5,000. $5 monthly service fee if minimum average daily balance drops below $5,000. |
Sources (3)
All captured Sep 17, 2026
Money Market Savings
1.00%APY
Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMin. Avg. Daily Balance: $2,500.00.$2,500 and up | 1.00% | $100 | Min. Avg. Daily Balance: $2,500.00. |
Regular Share
0.10%APY
Primary savings account for credit union membership. Credit union membership requires a $1.00 minimum deposit and $1.00 membership fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time.$100 and up | 0.10% | $10 | Requires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time. |
Sources (3)
All captured Sep 26, 2026
Secondary Share
0.10%APY
Secondary savings account designed for short-term savings for specific goals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upListed as Special Shares in rate schedule. Requires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time.$100 and up | 0.10% | $10 | Listed as Special Shares in rate schedule. Requires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time. |
Special-purpose accounts
Holiday Club
0.10%APY
Funds automatically transfer to Regular Share Savings Account on October 31st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time.$100 and up | 0.10% | $10 | Requires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time. |
IRA Savings Accounts
0.10%APY
Offered as Traditional IRA Savings Account, Roth IRA Savings Account, SEP IRA Savings Account, and Coverdell Education Savings Account wrappers. Outbound transfers or rollovers incur a $25 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upListed as IRA Shares in rate tables. Requires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time.$100 and up | 0.10% | $10 | Listed as IRA Shares in rate tables. Requires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time. |
Sources (4)
- ghsfcu.com/rates
- ghsfcu.com/retirement-savings
- ghsfcu.com/saving-accounts
- ghsfcu.com/s/GHS_ScheduleofFees_2026.pdf
All captured Sep 26, 2026
Youth Savings Account
0.10%APY
Custodial account requiring joint ownership with a parent or guardian. Open with $1.00 deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires a minimum average daily balance of $5.00 to earn stated dividend rate and APY. Variable rate subject to change at any time. Requires $1.00 opening deposit.$5 and up | 0.10% | $10 | Requires a minimum average daily balance of $5.00 to earn stated dividend rate and APY. Variable rate subject to change at any time. Requires $1.00 opening deposit. |
Sources (3)
All captured Sep 26, 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.