New or Used Loans brought in from outside, we will not refinance current loans at the Credit Union.

What is a credit freeze?
A credit freeze is one way to protect yourself against identity theft. It entails restricting access to your credit report to minimize the chance of identity thieves opening new accounts in your name. You’ll need to give personal consent for your credit to be viewed.

Since creditors need to view your credit report before approving any new accounts opened in your name, a credit freeze is one way to stay ahead of fraud and is especially smart if you suspect that someone has already gained access to your personal information.

Are there any downsides to a credit freeze?
A credit freeze won’t affect your credit in any harmful way. It doesn’t affect your credit score and won’t pose any difficulties to renting an apartment or applying for insurance. You’ll still be able to open new accounts, though you’ll have to lift the freeze temporarily in order to do so.

How to freeze your credit:
Learning how to freeze your credit is free and relatively simple to do. You’ll need to contact the 3 major credit bureaus separately and provide your SSN, birthday, and personal information. You’ll be given a password, which is what you’ll also use to unfreeze your credit when needed.

Understanding how to freeze your credit is a simple and smart way to prevent fraud and identity theft. The best ID theft protection services on the market utilize unique data and advanced technologies to monitor credit card transactions, the Dark Web, social media, and more. Their goal is to immediately detect when your information is stolen, offered for sale, or used fraudulently, in order to mitigate the damage of ID attacks as much as possible. Once you are alerted about an attack, these services will help restore your identity, reimburse you for stolen funds, and offer expert support around the clock.

Apple Pay is compatible with these devices:

• iPhone, iPhone models with face ID and touch ID, except for iPhone 5s. 
• iPad. iPad Pro, ipad air, iPad, and iPad mini models with Touch or Face ID
• Apple Watch. Apple Watch Series 1,2 or later
• Mac. Mac models with Touch ID.

Google Pay requires:

• Device must be running on Android 5.0 ( Lollipop) or higher
• Supports Near Field Communication (NFC) and host card emulation (HCE) technology.

Please download the New Member Branded App from the App Store for an iPhone or from Google Play for and Android look for :  GHA FCU Mobile

QR codes loaded below or under Convenience Service Tab

Please download the New Member Card Valet App to manage your Debit and Credit Cards from the App Store for an iPhone or from Google Play for and Android look for :  GHA Fed CU.

• Turn your Debit Card or Credit Card on and off when not in use
• Set up Alerts for spending
• Set up Alerts for all transactions
• Set up Alerts for low balance 

Also Down load the New Mobile App  GHA FCU Mobile

Card Valet App GHA Fed CU must be downloaded one time.  After the first time the card Valet information will show inside the Credit Union App .GHA FCU Mobile

Look for the QR codes below or under Convenience Services.