Switch to GSB

*$350 Consumer Checking Offer: Offer available when you open a new Access Checking, Preferred Access Checking and Prime access checking. You must enter promotion code “MYGSB350” if opening online or mention the promotion to a banker when opening in-branch at any GSB branch. All account holders on qualifying account must be new GSB checking account customers. Existing GSB consumer checking customers are ineligible. Accounts subject to approval. Minimum Requirements to avoid Monthly Service Fee must be continually met for the account and the account must remain open for 180 days to receive the $350 statement credit. May be subject to 1099 reporting. Account holder is responsible for all applicable taxes. Offer valid through December 23, 2023, and may be withdrawn at any time. Consumer accounts only. Limit 1 offer per person. $50 minimum to open any personal checking account. View full account details at https://mygsb.bank/personal/bank/checking

*Personal High-Yield Growth Savings: Earn an interest rate of 5.13% with a 5.25% Annual Percentage Yield (APY). $5,000 minimum to open, and a $50.00 minimum daily balance required to obtain the disclosed annual percentage yield. Available to open online or in branch. You must enter promotion code “GROWTH525” if opening online or mention the promotion to a banker when opening in-branch at any GSB branch. New & existing customers eligible, but funding may not come from a current GSB account. Rates on all balances subject to change based on future market conditions.

*All Access Home Equity Line of Credit: Applicants must use promo code “HELOC23” in-branch or on-line to qualify. New All Access HELOC customers only. Subject to credit approval. No Points. Credit line limits between $25,000 and $500,000. Maximum Combined Loan To Value (CLTV) is 80%. If existing first mortgage is not through GSB and exceeds $750,000, the maximum CLTV is 60%. The introductory APR of 5.99% (“Introductory APR”) is a promotional rate that is fixed for the first 12 monthly billing cycles (“Introductory Period”) as long as you maintain a minimum balance of at least $25,000 on your line. If that minimum balance is not maintained throughout the entire Introductory Period, the Introductory APR may end early and your Account will begin to accrue interest based on a variable rate formula. In any event, once the Introductory Rate ends, your interest rate can change monthly and will be based on a variable rate formula. With that formula, as long as you maintain an Automatic Payment Feature, we will subtract a margin of 0.25 percentage points from the Prime Rate (8.25 as published in the Wall Street Journal, October 12, 2023). Using that formula, the current APR would be 8.00%. Our Automatic Payment Feature is a convenient way for you to make your monthly payments directly from an Access deposit account maintained at GSB. If the Automatic Payment Feature is not maintained, we would add a margin of 0.25 percentage to the Prime Rate to determine your APR each month. Using that formula, the current APR would be 8.25%. The maximum APR is 17% and the minimum APR is 3%. An annual membership fee of $50 is required. An Early Termination Fee will be required if the Account is terminated within the first 2 years. Homeowner’s insurance required. For credit limits in excess of $250,000, you must pay for a full appraisal (appraisal costs can range from $510 to $720). If property held in trust, trust review fee ($600) and attorney closing fees (Estimated $650-$850) will apply. Homes for sale or intended for sale within the next six months are not eligible for this promotional product. Other terms and conditions apply. Offer may be withdrawn at any time.