Savings & Checking Accounts

Share Savings

These accounts, comparable to passbook savings at other financial institutions are the basic savings accounts at GHAFCU. Share savings accounts earn dividends from the date of deposit to the date of withdrawal on all balances exceeding $500 minimum. Dividends are compounded and paid quarterly. A share savings account may be opened with a minimum of $25. Subsequent deposit may be made in any amount via payroll deduction, direct deposit, remote deposit or over the counter transactions. A minimum balance of $25 is required to retain membership at GHAFCU.

Share Draft/Checking

  • No monthly service charge
  • no per-check charge 
  • no minimum balance requirement
  • Standard checks and designer checks are available at a very reasonable cost.

You will have availability to search and view images by date, check number or dollar amount on our Home Banking site and our APP. You can view the front and back of each item and they will print both on a single page.

Holiday Accounts

Holiday  accounts are deposit accounts that help members save specifically for holiday shopping. Members make weekly or bi-weekly deposits of ie. $5, $10, $20 or $25 or more  over a 50-week period. You can start you account at any time. Funds are deposited in your share account at  the end of October for easy access.

Vacation Club Accounts

Build savings for your next vacation or any special purpose with complete access to the funds any time of the year. There is no minimum balance requirement.

US Saving Bonds

For more information on U.S. Savings Bonds,visit  website below at:


Money Market Accounts

A Liquid Savings Account with premium dividend rates on a minimum balance of $2,500 .
No monthly fee or penalty (if balance falls below the minimum,  the dividend rate drops to the current savings rate).

Additional deposits are allowed and up to six transfers per month (three may be by check).

Term Share Certificates

Designed for investors seeking both yield and liquidity, our share certificate program offer automatic rollover and maturity options of 3 months  to 5 years. Minimum deposits $1000.

Master Debit Card

Master Debit Cards allow you to withdraw funds from your checking account without ever having to write a check. You can use your Master Debit Card anywhere you see the Master Card Logo. You can purchase groceries, gas or anything else and the money will come directly out of your checking account. No more writing checks and showing two forms of identification. Best of all, there is no annual fee for using the Master Debit Card. Download the GHA Fed CU card valet App to keep track of your card, turn it off or on when not in use and receive alerts of your spending and low balance. Use 800-992-3808 to activate, set your pin or report a card lost or stolen.

You also have access to over 150,000 ATMS across the 50 states surcharge fee Now in Puerto Rico Canda and Mexico. Go to Allpoint for locations.

Our Master Check Card is also an ATM Card. It can be used worldwide. Money can be withdrawn from your checking account or your savings account.

Register your card at to start earning points on swiped (credit) purchases. ** Points good for 2 years from date of purchase.

  • If your card is lost or compromised due to a data breach you will need to
    re-register and enroll your new card in uchoose rewards.
  • If your card has been lost or stolen please call - 800-554-8969.
  • If you suspect fraud on your account please send us a letter with the items you would like to dispute.
  • To activate and select a custom pin  call - 800-992-3808
  • The Credit Union has also added eNFACT Neural Network to our Debit Master Card Program for your protection in the fight against fraud.

What is eNfact?

eNFact, is a Falcon based system for fraud detection. It uses a neural network,daily reports,and a call center of skilled analysts to access the likelihood that fraud is occurring on an account, and to provide notification or card statusing as appropriate.

What are the benefits and how does it work?

eNFact assesses the fraud risk of debit activity without delaying transactions or inconveniencing cardholders.

We have added 45 days of  history of our members spending habits and the system will look at that and build spending pattern history going forward.  If the system detects unusual spending habits they will call you to confirm the tranactions.  If they cannot reach you, they may restrict the card 

The credit union reviews reports first thing in the morning too see if  any cards were restricted in the evening and then try and contact our member.

The Credit Union restricts all transactions out of the US If you are going out of the country please contact the credit union so we may open your card for travel.

We want to appoligize in advance for any inconvenience this may cause you, but this service is in place for the protection of members account.