Overview / Commentary
607-723-7962
910 Upper Front St
Binghamton, NY 13905-1342

GHS Federal Credit Union is headquartered in Binghamton and is the 62nd largest credit union in the state of New York. It is also the 1,277th largest credit union in the nation. It was established in 1940 and as of March of 2018, it had grown to 33 employees and 16,661 members at 3 locations. GHS Federal Credit Union's money market rates are 36% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Broome, Chenango or Tioga County.
See current membership details

Reviews (1)

GHS great for everyday but not loans

Posted by: Nancy2 | May 25, 2014

My husband and I have used GHS Federal Credit Union for several years now because it is convenient in its location and because he can get direct deposit for work. Overall we have been happy enough with them to stay there for our daily banking needs. It is with the bigger issues that we go to other banks and credit unions. That is because several times we have tried to get loans or refinancing there and they have not been competitive in their rates and, frankly, their loan officers are rude. We opened an account with a competitor for this reason. Again, they are great with the normal stuff, but when it comes to the bigger things, we go elsewhere.



Health

Health Grade Components

Overall
NCUA #3841
Year Chartered1940
Employees33
Primary Regulator
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD1.66%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$147.5MM$146.7MM
LoansQ1 2018vs Q1 2017$113.2MM$108.4MM
DepositsQ1 2018vs Q1 2017$133.2MM$132.7MM
Equity CapitalQ1 2018vs Q1 2017$13.9MM$13.4MM
Loan Loss AllowanceQ1 2018vs Q1 2017$643.00K$585.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.6MM$1.3MM
Real Estate OwnedQ1 2018vs Q1 2017$87.00K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not GHS Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

GHS Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Primary Share Account
0.10%$100-Holiday Club Account
0.10%--Youth Piggy Savers Account
0.10%$100-IRA Shares
0.10%$100-Special Share Account
0.10%--Kris Kringle Account

GHS Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Money Market Plus
OTHER TIERS: 0.20% $10k - $25k | 0.40% $25k - $50k
0.10%$2.5k-Money Market Savings

GHS Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$1.5k*-Premier Yield Checking
OTHER TIERS: 0.10% Up to $1,500
0.25%*$1.5k*-Premier Yield Business Checking
OTHER TIERS: 0.10% Up to $1,500
0.10%--VIP Free Checking
0.10%--50+ Free Checking

GHS Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.20%$500-60 Month CD
2.05%$500-60 Month CD - New Money
2.00%$500-48 Month CD
1.80%$500-36 Month CD
1.75%$500-48 Month CD - New Money
1.70%$500-30 Month CD
1.45%$10k-25 Month Plus CD
1.40%$500-24 Month CD
1.40%$500-36 Month CD - New Money
1.20%$500-18 Month CD
1.05%$10k-13 Month Plus CD
1.00%$500-12 Month CD
0.85%$500-9 Month CD
0.70%$500-6 Month CD
0.50%$500-3 Month CD

GHS Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.20%$500-60 Month IRA
2.00%$500-48 Month IRA
1.80%$500-36 Month IRA
1.70%$500-30 Month IRA
1.45%$10k-25 Month Plus IRA
1.40%$500-24 Month IRA
1.20%$500-18 Month IRA
1.05%$10k-13 Month Plus IRA
1.00%$500-12 Month IRA
Locations


GHS Federal Credit Union Locations
Branch Office910 Upper Front StBinghamton, NY 13905-1337
Branch Office35 E Main StNorwich, NY 13815
Branch Office105 Court StBinghamton, NY 13901

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