GHS Federal Credit Union

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

GHS Federal Credit Union is headquartered in Binghamton and is the 57th largest credit union in the state of New York. It is also the 1,280th largest credit union in the nation. It was established in 1940 and as of December of 2020, it had grown to 30 employees and 17,849 members at 2 locations. GHS Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership in GHS Federal Credit Union is open to those who live, work, worship, or attend school in the New York counties of Broome, Chenango or Tioga.
See current membership details

Reviews (1)

GHS great for everyday but not loans

Posted by: |

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 Grade Components

NCUA #3841
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD-0.6%
Return on Equity - YTD-8.12%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$173.9MM$147.8MM
LoansQ4 2020vs Q4 2019$121.2MM$128.3MM
DepositsQ4 2020vs Q4 2019$160.0MM$132.9MM
Equity CapitalQ4 2020vs Q4 2019$12.7MM$14.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$2.2MM$1.3MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$3.1MM$3.2MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
Report an Issue

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

0.05%$100-Primary Share Account
0.05%$100-Holiday Club Account
0.05%$5-Youth Piggy Savers Account
0.05%$100-IRA Shares
0.05%$100-Special Share Account
0.05%$5-Kris Kringle Account

GHS Federal Credit Union Money Market Rates

0.20%*$50k*-Money Market Plus
OTHER TIERS: 0.10% $10k - $25k | 0.15% $25k - $50k
0.05%$2.5k-Money Market Savings

GHS Federal Credit Union Checking Account Rates

0.10%*$1.5k*-Premier Yield Checking
OTHER TIERS: 0.05% Up to $1.5k
0.10%*$1.5k*-Premier Yield Business Checking
OTHER TIERS: 0.05% Up to $1.5k
0.05%--VIP Free Checking
0.05%--50+ Free Checking

GHS Federal Credit Union CD Rates

0.80%$500-60 Month CD
0.70%$500-48 Month CD
0.65%$500-36 Month CD
0.60%$500-30 Month CD
0.55%$500-25 Month Plus CD
0.50%$500-24 Month CD
0.45%$500-18 Month CD
0.40%$500-13 Month Plus CD
0.35%$500-12 Month CD
0.25%$500-9 Month CD
0.20%$500-6 Month CD
0.15%$500-3 Month CD

GHS Federal Credit Union IRA Rates

0.80%$500-60 Month IRA
0.70%$500-48 Month IRA
0.65%$500-36 Month IRA
0.60%$500-30 Month IRA
0.55%$500-25 Month Plus IRA
0.50%$500-24 Month IRA
0.45%$500-18 Month IRA
0.40%$500-13 Month Plus IRA
0.35%$500-12 Month IRA

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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.