Ghs Federal Credit Union


910 Upper Front St
Binghamton, NY 13905
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.70% 0.75% →
2-Year CD 0.80% 0.80% →
5-Year CD 1.25% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Ghs is an NCUA insured institution located in Binghamton, NY. It was founded in 1940 and has approximately $187.15 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3841
Date Established 1940
Assets $187.15 million
Loans $123.06 million
Deposits $172.28 million
Capital $15.12 million

Field of Membership Restrictions

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

Deposit Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
30 Mo CD
1.00% $10,000 $14,999 Learn More
30 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 24, 2021

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.950% 2.875% 1.00 $2,415 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$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:

Climate Initiatives

GHS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
7.49% 3.79

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 June 30, 2021, Ghs had $1,162,313 in non-current loans and $143,568 in owned assets. To cover these potential losses it had $15,124,735 in net worth and $2,321,525 in loans loss reserves. That gives it a Texas Ratio of 7.49%.

Net Worth
Ghs U.S. Average
8.4% 12.22%

Ghs FCU has a net worth of 8.4% versus the BestCashCow average of 12.22. 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. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Ghs is insured by the NCUA.

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 $15.12 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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