GHS Federal Credit Union

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GHS Federal Credit Union

910 Front Street
P.O. Box 1490
Binghamton, NY 13902-1490
(607) 723-7962 / (800) 732-4447


Welcome to GHS Federal Credit Union!

At GHS, you will enjoy the confidence of competitive earnings on savings and low rates on loans, and the convenience of a wide range of services. GHS was Federally chartered in 1940 and community-chartered inMom and Daughter 2002 serving the communities in Broome, Chenango and Tioga Counties.

GHS was Federally chartered in 1940 and Community-charter in 2002. For 69-years, we have provided members with quality financial services at an affordable cost. As a member, you are part owner of the credit union, a financial cooperative, democratically controlled by its members/owners and governed by a volunteer board of directors. GHS embraces the fundamental philosophy of the credit union movement - not for profit, not for charity, but for service.


PERSONAL BANKING

GHS has been your community credit union since 1940. We pride ourselves on being local, accessible, and flexible to the needs of our members and our community - we live and work here rigAfrican American Familyht next to you! You can rely on GHS for all of your financial needs - savings and checking accounts, loans for a vehicle, home, or more, and investment services to help you plan properly for retirement and beyond.

GHS can help your business succeed - let us help! If you need a loan to get your business started or one to help it expand, GHS can help! Maybe you just need regular day-to-day banking services handled by a top-notch professional team? GHS can do that too!

Let us show you why we are a great credit union to do your business with.

Checking: Regular Personal Checking If you keep a moderate checking account balance, our regular checking is ideal for you. No-Fee VISA Debit Card with Scorecard Rewards No per check fee No minimum balance requirement Low monthly service fee No-Fee ATM access through the CO-OP and Allpoint networks Online Check Reorder In addition to Personal Checking, discover Rewards Checking!

Savings: You can choose how you save! When it comes to savings accounts - GHS has something for everyone. Each of our accounts offers competitive dividend rates and are insured (up to $250,000) by the National Credit Union Share Insurance Fund, an independent agency of the federal government.

For Youth: Hey Kids! You can join GHS, too! You are never too young (or too old!) to learn about how money works. By joining GHS you can find out how easy and fun it can be to save money and so much more.

For Students: Just for Students At GHS, your financial education starts here! High School and College Students are welcome to join GHS and can enjoy many of the privileges and benefits of being a credit union member! Why not start managing your money smart, right from the beginning?


LOAN CENTRAL

A Home Equity Loan is a multi-purpose loan that is secured by a lien on your home. As a homeowner, you can use the equity in your home for things like a home improvement project, college tuition, family vacation or even to consolidate credit card debt. The interest rate is usually much lower than what you'd pay on a credit card or personal loan. Best of all, the interest you pay may be tax-deductible.

With rates as low as 4.55% APR* (any rate mentioned should be pulled automatically from a table), same day approval, fast closings and no closing costs - you can get that equity working for you any time you choose.

With low loan rates, flexible payment terms and a big variety of loan options designed to meet your needs... GHS really is Loan Central!

Want a new or pre-owned vehicle? New furniture? Need help consolidating credit card debt? GHS can help you get the best loan for you, right when you need it!

Finally found your dream home? We can help with mortgages, too. We will walk you through the process and get you the very best rate we can to help you make this dream real.


ELECTRONIC SERVICES

Simplify your life with GHS's array electronic services so you can acccess your account anytime and anywhere.

* FREE Online Banking
* FREE Bill Pay
* STAR Telephone Banking
* Use our newest No-Fee ATM Network locator and find the nearest surcharge FREE ATM! Access your GHS accounts, make withdrawals and deposits locally through convenient locations throughout the Southern Tier.