2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 3841
Date Established 1940
Assets $147.12 million
Loans $123.76 million
Deposits $132.36 million
Capital $14.96 million

Ghs is an NCUA insured institution located in Binghamton, NY. It was founded in 1940 and has approximately $147.12 millions in assets.

Field of Membership Restrictions

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

Deposit Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.50% $2,500 - Learn MoreShow Less
Premium Money Market Account
0.75% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.90% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.10% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.60% $500 - Learn MoreShow Less
6 Mo CD
0.80% $500 - Learn MoreShow Less
12 Mo CD
1.10% $500 - Learn MoreShow Less
18 Mo CD
1.30% $500 - Learn MoreShow Less
24 Mo CD
1.50% $500 - Learn MoreShow Less
30 Mo CD
1.80% $500 - Learn MoreShow Less
36 Mo CD
1.90% $500 - Learn MoreShow Less
48 Mo CD
2.10% $500 - Learn MoreShow Less
60 Mo CD
2.30% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for GHS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.536% 3.500% 0.50 $1,108 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to GHS
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Below are Ghs branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Ghs Locations

Financial Details

Ghs Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ghs. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Ghs U.S. Average
12.67% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Ghs had $2,002,718 in non-current loans and $60,737 in owned assets. To cover these potential losses it had $14,963,988 in net worth and $1,327,850 in loans loss reserves. That gives it a Texas Ratio of 12.67%.

Net Worth
Ghs U.S. Average
10.22% 13.47%

Ghs FCU has a net worth of 10.22% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Ghs

Branches and Savings

What is Ghs?

A federal credit union, registered with the NCUA under certificate #3841.
Learn more about credit unions here.

Is Ghs FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Ghs?

Please see Field of Membership information above for information on who is eligible to join.

What are Ghs's share account and share certificate rates?

Ghs's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Ghs?

Ghs has total capital of $14.96 million. Full information on Ghs's financial position is located above.

Who owns Ghs?

Credit Unions are owned by their members.

Where are Ghs branches located?

See branch locations nearby.

Are Ghs ATMs Open 24/7?

Do Ghs ATMs accept cash deposits?

Can Ghs customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Ghs have a mobile app?

Does Ghs have mobile deposit?

Does Ghs have quick pay?

How can Ghs transfer money to other banks or credit unions?

Does Ghs report to credit bureaus?

Does Ghs use Chexsystems?

Does Ghs use Equifax?

What is Ghs's toll free phone number?

What is Ghs's ACH Routing Number?

What is Ghs's SWIFT code?

Where can I find Ghs's wire transfer form?

What is the Ghs address for deposits?

What Products Does Ghs Offer

Does Ghs offer mortgages?

Compare mortgage rates here.

Does Ghs offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ghs offer auto and RV loans?

Compare auto loan rates here.

Does Ghs offer student loans or personal loans?

Compare personal loan rates here.

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