Carrying cargo with the Tern GSD Gen 3 family cargo bike

How to Safely Carry Cargo on the GSD Gen 3

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This article refers to GSD Gen 3 bikes only. If you have other Tern bikes, check out our Cargo Guide overview.


GSD Gen 3 Cargo Basics

With a Max Gross Vehicle Weight of 210 kg (463 lb), the GSD Gen 3 is ready to handle a wide range of cargo needs, whether you’re running errands, stocking up on groceries, or transporting heavy gear.

Tern offers a versatile array of accessories to support your load, including racks, panniers, bags, baskets, and decks that attach to the rear, or the Combo Mount on the front of the GSD. The GSD Gen 3 features the Atlas Lockstand with built-in foot extensions, making it easier to access the kickstand—even with fully loaded panniers. The extensions provide a wider stance, adding extra stability for smoother loading and unloading. Customize your setup with add-ons that suit your lifestyle.


What is ‘Max Gross Vehicle Weight’?

Max Gross Vehicle Weight (MGVW) is the maximum weight a bike has been designed to safely carry. This means the weight of the Bicycle* + Accessories + Rider(s)** + Cargo + Trailer*** must be less than the MGVW for safe riding.

Tern GSD Max Gross Vehicle Weight calculation

*Bicycle = Refers to the weight of the bike plus battery(ies)

**Rider(s) = Refers to the weight of the cyclist and any passengers

***Trailer = Refers to the weight of the trailer with no braking system AND the weight of any cargo or passenger(s) on the trailer. Trailers with a braking system should not be included in the MGVW calculation.


Why does Max Gross Vehicle Weight matter?

It comes down to safety. By adhering to the bike's MGVW guidelines, riders can feel confident that the bike can safely handle the total weight in all riding conditions.


How much cargo weight can I carry on a GSD Gen 3?

Tern GSD Gen 3 max gross vehicle weight calculation

To determine the maximum cargo weight you can carry on the GSD, use the formula above. The GSD Gen 3 has an MGVW of 210 kg (463 lb). From that, simply subtract the weight of the GSD and any installed accessories, and the weight of the rider and any passengers on the bike. If you are towing a trailer, don't forget to also subtract the trailer's weight and any cargo or passenger(s) on the trailer. Please note that trailers with an independent braking system should not be included in the MGVW calculation.


Minivan Modules

Tern GSD Gen 3 with cargo in the Clubhouse Gen 3

Clubhouse Gen 3

A cargo cabin on the back of the GSD that fits not only groceries, but also larger items like a tent for your camping trip. You can also fit a 600 x 400 mm Eurocrate inside the Clubhouse, or secure long objects (like fishing poles) to its rails.

Dimensions: 795 x 551 x 230 mm (31.3 x 21.7 x 9.1 in)

Tern GSD Gen 3 Captain’s Chair combined with Sidekick Joyride Bars cargo setup

Captain’s Chair combined with Sidekick Joyride Bars

This combination is not only practical for carrying older kids but also for transporting crates and boxes. It has room for a 320 mm-wide box. It's ideal for transporting stuff that needs to remain stable, like food and drinks, or heavier items like bottles, jugs, or a toolbox.

Dimensions (Captain’s Chair only): 582 x 532 x 400 mm (22.9 x 20.9 x 15.7 in)

Tern GSD Gen 3 with Storm Box cargo setup

Storm Box

When paired with the Clubhouse Gen 3 and Stow Decks, the Storm Box converts the GSD’s rear into a spacious, weather-protected cargo area. With its generous volume, the Storm Box is suited for hauling weekly groceries, sports gear, or work tools. The included Cargo Lid keeps your items safe from rain and out of sight.

  • Volume: 160 L
  • Dimensions: 680 x 465 x 570 mm

Outfitting Your GSD Gen 3

Bags and Baskets

Tern GSD Gen 3 e-cargo bike with Cargo Hold 52 Panniers cargo setup

Cargo Hold 52 Panniers

The Cargo Hold 52 Panniers function as the GSD's spacious trunk, super handy for accommodating everyday family groceries or kids’ school bags. You can use them in roll-top mode or Bucket Mode for larger items. With the user-friendly Fidlock® buckles, opening and closing the panniers is a breeze, even with just one hand.

  • Max load: 15 kg per pannier (30 kg per pair)
  • Volume: 52 L per pannier (104 L per pair)
  • Dimensions: 605 x 335 x 40 mm (folded)
Waterproof Cargo Hold 37 Panniers bike bags for Tern cargo bikes

Cargo Hold 37 Panniers

The Cargo Hold 37 Panniers are the solution for carrying cargo and one passenger at the same time. With the same roll-top design and Bucket Mode features, they offer versatility and ease of use. The single Fidlock® buckle ensures your belongings remain secure at all times.

  • Max load: 15 kg per pannier (30 kg per pair)
  • Volume: 37 L per pannier (74 L per pair)
  • Dimensions: 435 x 310 x 30 mm (folded)
Waterproof WeatherTop Bag for Tern bikes

WeatherTop Bag

The WeatherTop Bag is a rugged and waterproof 45L carryall made to go from your rack to your shoulder in seconds. Fitting precisely on the Captain’s Chair, the Hauler Rack, and Transporteur Rack, it’s a great choice for shopping trips or as a versatile diaper bag for your little one.

  • Volume: 45 L
  • Dimensions: 400 × 300 × 350 mm
Waterproof WeatherTop Cooler on a Tern bike's Transporteur Rack

WeatherTop Cooler

The WeatherTop Cooler is a waterproof, well-insulated, and easy-to-clean cooler designed to keep drinks and food chilled, making it ideal for parties and summer picnics. Fits precisely on the Transporteur Rack, Hauler Rack, and Captain’s Chair.

  • Max load: 15 kg (33.1 lb)
  • Volume: 26 L
  • Dimensions: 320 × 678 × 370 mm (12.6 x 26.4 x 14.6 in)
Soft Crate Mini cargo setup on the Tern GSD Gen 3 electric cargo bike

Soft Crate Mini

The Soft Crate Mini is a versatile cargo carrier designed to fit inside the Clubhouse Mini. With a capacity of up to 37 L, it can transport a wide range of items while also serving as a cozy dog carrier—just remember to add the Dog Roof Mini.

  • Volume: 37 L
  • Dimensions: 405 × 405 × 220 mm
RidePouch on the Transporteur Rack on a Tern GSD electric bike

RidePouch

The RidePouch stores ride necessities such as a chain lock or water bottle. It attaches to bottle cage mounts on some Tern accessories, so it won’t take up space on the handlebar or handlepost.

  • Max load: 1.2 kg
  • Volume: 1 L
  • Dimensions: 105 × 85 × 180 mm

Front Racks

Transporteur Rack on a Tern GSD cargo e-bike

Transporteur Rack

The Transporteur Rack is a modular front cargo carrier that fits a WeatherTop Bag, WeatherTop Cooler, a 300 x 400 mm Eurocrate, a standard crate of 20 beers, or a recycled wooden box.

  • Max load: 20 kg
  • Dimensions: 430 × 420 × 267 mm
Hauler Rack front rack for Tern electric cargo bikes

Hauler Rack

The Hauler Rack is an open-ended rack that is big enough to carry bulky cargo but small enough to let you maneuver the bike with ease.

  • Max load: 20 kg
  • Dimensions: 320 × 315 × 215 mm

Rear Racks

Cargo Tray for Tern electric cargo bikes' rear racks

Cargo Tray

The Cargo Tray creates a strong, generously sized cargo platform atop the GSD's rear rack. The L-shape is great for hauling extra large stuff that won't fit in a crate or basket.

  • Max load: 30 kg
  • Dimensions: 458 × 396 × 172.5 mm
Shortbed Tray installed on Tern cargo bikes' rear racks

Shortbed Tray

The Shortbed Tray is a heavy-duty rear rack that can be mounted parallel or perpendicular. Fits standard 600 x 400 mm Eurocrates and coolers.

  • Max load: 35 kg
  • Dimensions: 446 × 627 × 81 mm
Stow Decks folding side decks for Tern electric cargo bikes

Stow Decks

The Stow Decks can be locked at various angles to secure half-full panniers, or opened fully to provide a comfortable footrest for your passenger(s).

  • Max load: 35 kg
  • Dimensions: 446 × 627 × 81 mm

For trailer towing and more

Need to haul something that won't fit on the GSD? Your best option is to use a trailer (or the Bike Tow Kit, if that something happens to be a bike). The GSD features a dedicated trailer mount that fits several trailer hitches—learn more about compatible trailer hitches here.

Some lower deck accessories such as the Cargo Hold 52 Panniers and Storm Box cover the GSD’s existing trailer mounting points. That’s why we created the Tail Hitch L to shift the mounting points further back, so you can have it all—tow a trailer and continue using your favorite panniers and other rear cargo-carrying accessories.

Tail Hitch L towing accessory on a Tern GSD e-cargo bike

Tail Hitch L

The Tail Hitch L fits a range of trailer hitches to securely link a trailer to the GSD, letting you haul tons more without your panniers and lower deck accessories getting in the way.

  • Weight (per unit): 1.1 kg (2.4 lb)
  • Dimensions: 214 × 184 × 67 mm (8.4 × 7.2 × 2.6 in)
Bike Tow Kit towing accessory on a Tern GSD e-cargo bike

Bike Tow Kit

The Bike Tow Kit lets you bring an extra bike along for any ride—whether that’s a mountain bike for your camping trip, or your kid’s bike when they decide waving to passersby is more fun than riding (it happens).

Weight: 0.5 kg (1.2 lb)


Riding with Cargo

Riding a GSD loaded with heavy cargo feels a little different than riding a regular bicycle. It’s a good idea to practice in a safe area before you go out on the road with your cargo.

The main thing you need to remember when riding with heavy cargo is that you’ll need extra time and space to decelerate and come to a stop. Use caution when approaching intersections and other braking situations. You’ll need to brake sooner and more gently than you may be used to.

  • Because the rear rack can handle substantially more weight than a front rack, it’s a good idea to load your heaviest items onto the rear rack first. Then, use the front rack to carry lighter items.
  • A low center of gravity is key for safe and easy handling. Place heavier items on the bottom of racks, panniers, baskets, and boxes.
  • Make sure the cargo is balanced evenly on your bike. Avoid putting all of your heavy items on one side of the bike.
  • Ensure that items are firmly secured to the bike. Use Batten Straps to tie down loose items and prevent them from moving around or falling off the bike during transport.
  • Pay attention to the maximum capacity of any accessories you use with the bike.
  • Most riders can comfortably carry 80% of their weight. Determine if you are comfortable carrying that much weight.

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