Quarterly Newsletter 

Winter Auto Loan Special

Rates are as low as 1.99% APR* for 36 months and as low as 2.50% APR* for 48 months.

This rate is good for both new and used vehicles. Offer excludes existing loans with GHS FCU and no other discounts apply to the special. This offer expires April 17, 2017.

The APR will vary depending on individual creditworthiness and the credit union's underwriting standards.

*A 36 month loan with 1.99% APR (annual percentage rate) would have monthly payments of $28.64 per thousand borrowed.  *A 48 month loan with 2.50% APR (annual percentage rate) would have monthly payments of $21.92 per thousand borrowed. 

More tools for tracking your account your way

Now you can keep tabs on your account anytime, anywhere. Near real-time Alerts from G.H.S. Federal Credit Union powered by Visa® help you reduce fraud and monitor your spending. And the service is available free for G.H.S. Federal Credit Union Visa® Cardholders. To sign up, go to www.visa.com/purchasealerts.

 Receive transaction updates quickly
With Alerts from G.H.S. Federal Credit Union powered by Visa®, you can receive a text message or email shortly after your Visa® card has been used. So if there is fraudulent activity, you'll be notified and can act quickly to stop the situation. It's a unique benefit that most alert services don't offer.

Near real-time alerts
Customize transaction alerts to fit your needs when your Visa® card is used:
For purchases over a specified dollar amount
For purchases online, over the phone or through the mail
For cash withdrawals at an ATM
Outside the United States

More information

Receive transaction specifics within each alert, including:
Purchase amount
Merchant name and location (if available)
The last four digits of the Visa® card used

More peace of mind

Gain confidence as you keep tabs on your account with transaction alerts delivered via:
Text messages on your mobile phone
Email on your computer or mobile phone
Both text and email for added security and convenience

To sign up, go to www.visa.com/purchasealerts. And start enjoying more protection and peace of mind with Alerts from G.H.S. Federal Credit Union.         

Disclosure: Actual time to receive Alert depends on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.



 GHS Federal Credit Union is now offering the NewGen Prepaid Debit Card for the “new generation” of cardholders aged 13 and up. It’s a great way for parents to teach their youngsters about the responsible use of debit cards for making purchases, and it is widely accepted because it is a Visa card. Like a standard debit card, the NewGen Prepaid Debit Card is usable up to a certain limit, but instead of being tied to a checking account, it is preloaded with a specific amount of money. When the cardholder needs more money, the card is reloadable at the credit union, online, or at thousands of Visa ReadyLink Centers nationwide. Come into your nearest branch and ask about the NewGen Card today! It’s really cool… and safe! 


With the ever-rising cost of college tuition, sometimes scholarships, grants and other federal loan programs don’t foot the total bill! Now you can pay for college the smart way, through the Sallie Mae Smart Option Student Loan Program, available now through your credit union! With convenient payment terms and competitive interest rates, the Smart Option Student Loan Program provides a very flexible way to cover the cost of higher education! Just click on the link to get started!

This program is for borrowers attending degree-granting institutions only. Credit criteria and eligibility requirements apply. GHS Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

 G.H.S. Federal Credit Union Car Buying Service. A better way to buy your next vehicle.

 Are you in the market for another car or truck? If so, now is a great time to take advantage of our CAR BUYING SERVICE for new and pre-owned vehicles. To take the work and inconvenience out of finding your next vehicle, we've joined forces with AAA CAROLINAS to bring you this time-saving new program.

·         Decide on the type of vehicle you want to purchase
·         Drop by the credit union to discuss your auto loan needs and get pre-approved
·         Then simply call AAA Carolinas at 1.800.392.0436. Our car buying counselor will lead you through a very simple process to discuss the exact vehicle you're looking for and go over any trade-in information.
·         Typically within 48 hours, we've found your ride! All particulars are emailed directly to you-vehicle details, high-quality photos, pricing, trade-in numbers, etc. for your ok.
·         Upon loan approval and your assurance to purchase the vehicle, AAA will secure it and handle all the paperwork-from title to tags.
·         When all is said and done, the vehicle is delivered at no charge to the branch, your home or office.
·         And, a FREE one-year AAA Basic Membership accompanies the deal!
From start to finish, we handle everything for you. Now what could be easier? So instead of a time-consuming, frustrating dealer run-around, let G.H.S. Federal Credit Union and AAA help you save time and money with your next purchase. It's just a better way to buy a new or pre-owned vehicle.


**The Credit Union has contracted with AAA Carolinas to make this service available as a convenience to our Members. AAA Carolinas Car Buying Service and AAA Carolinas Basic Membership Insurance and any manufacturer's warranties are not services of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Union makes no representations as to the services of any provider or any vehicles purchased. Services are only available in North and South Carolina.

A free, new benefit for members is here: Balance Track Personal Finance Education Center

Balance Track is a free online financial education center that allows you to explore all of the essential elements of personal finance. In addition, you also have access to free, unbiased money management information and financial counseling. For financial counseling, all you have to do is call 1-888-456-2227 and a certified financial counselor can answer many of your questions immediately. For more complex issues, an appointment may be scheduled. Just click on the link and open up a wealth of educational information about any kind of financial issue or event on your mind! 

 Welcome to GHS FCU Rewards!!!    Did you know that each time you use your GHS FCU Visa credit card you earn valuable ScoreCard® Bonus Points good toward gift and travel awards? The ScoreCard® Bonus Point program is a standard feature of your GHS FCU Visa credit card. You earn one ScoreCard® Bonus Point for every net dollar your spend. So whether you buy groceries or gas, pay bills, go to the movies, or out to dinner, if you pay with your GHS FCU Visa credit card, you will earn bonus points. Start shopping today and you'll start rewarding yourself before you know it! 

Click on the links below to take advantage of special offers:                                                                                                                                            





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