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We’re implementing a Digital Systems Upgrade in July 2024! Please note that the
credit union will be closed July 31st and August 1st, 2024. All GHS branches,
and ATMs are unavailable during this time. The current Digital banking system
will be discontinued on 7/30/24 at 4 PM EST. Click here for more information.

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are provided only as a convenience. We do not manage the content of those sites.
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GHS FCU. Click CONTINUE to proceed or click the "X" to stay on this site.


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THE RELATIONSHIP OF A LIFETIME

Meeting the financial needs of our neighbors and investing in our communities
for over 80 years - and counting! GHS Federal Credit Union provides Broome,
Chenango, and Tioga Counties with local experience, expert services, and
competitive products. Say ‘YES’ to GHS today!

Become a Member


NEW & USED AUTO

APR* as low as 7.00%

Apply Now


HOME EQUITY LOANS

APR* as low as 6.00%

Apply Now


RECREATIONAL LOANS

APR* as low as 8.75%

Apply Now


SAVING MEMBERS MILLIONS

So far this year, we've saved our members $ 0 We provide our members and
community with affordable finance options to help save you money - and we’ll
prove it! Make the switch, put money back in your pocket, and be a part of our
growing savings counter!


SERVICES


MAKE YOUR MONEY WORK FOR YOU


GHS has been your local credit union for over 80 years - and counting -
providing members with finance options for every stage of life.


 * Free and Cash Back Checking Accounts

 * Low-Interest Loan options

 * Secure and High-Earning Savings Accounts

Explore Our Rates

--------------------------------------------------------------------------------




GHS FEDERAL CREDIT UNION IS LAUNCHING A DIGITAL SYSTEMS UPGRADE
IN LATE JULY, 2024.

This upgrade will provide an enhanced experience from our current systems. What
does this mean for you? A new digital banking platform with a state-of-the-art
mobile app and online banking platform, new debit and credit cards that are more
secure and feature contactless payment options, and a faster in-person banking
experience.

 
Learn more here

--------------------------------------------------------------------------------


INVEST IN YOUR FINANCIAL WELLBEING

Work one-on-one, attend workshops, or browse our financial wellness articles
offered by our Certified Credit Union Financial Counselor to build a stronger
financial foundation and gain more understanding of how to manage and grow your
money.

Learn more

Proudly bringing financial education and assistance to our community members
through these great organizations and counting!

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MEMBERSHIP

GHS FCU is an inclusive credit union welcoming anyone who lives, works, attends
school, volunteers, or worships in Broome County, Chenango County, or Tioga
County.

Say Yes to GHS!



WHAT OUR MEMBERS HAVE TO SAY

“If I ever have a question or an issue about my accounts, online banking, or
anything at all, a quick call to member services always gets the question
answered or the problem solved. Great customer service. I wouldn’t bank anywhere
else.” Theresa K.

“After speaking to a loan officer from GHS, I learned I qualified for a $17,000
home equity loan. I refinanced my credit card debt using it, dropping the
interest rates from as high as 21% down to under 3%. This is saving me thousands
over the lifetime of these loans. Even better, I had enough available in my home
equity loan to help me to update my home’s bathroom! I’m thrilled at how easy
this was!” Abigail F.

"Big thank you to the loan officer at the Norwich Branch; he went an extra
step..." Susan S.

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2023-24 Member Annual Meeting


As a member-owned credit union, our members have the advantage of taking part in
important discussions and decisions about the future of GHS Federal Credit
Union. We value each of our 19,000+ members across the three counties we serve,
and the annual meeting offers you the opportunity to join in the conversation
and engage with GHS FCU's leadership.

Read More

2024 Spring Shred Day


Stop by to shred you personal data securely from 8 to 11 AM at our drive-through
event. GHS will have staff available to assist in removing shred bags from your
car and we're collecting donations on behalf of the VFW of Norwich.

Read More

In The Know - Spring 2024

Read More

2024 GHS FCU Community Partner's Tree


If you are visiting one of our branches in person, be sure to check out our
Community Partners Tree!

Our Tree will showcase a local organization each month in 2024. In addition, GHS
Federal Credit Union employees will be donating to these community partners via
our Denim Days program!

Read More

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LET US SAVE YOU MORE

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CONTACT US

Phone: (800) 732-4447
Routing # 221373707
NMLS # 665096


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LOCATIONS

Main Office
910 Front Street, Binghamton, NY 13905
View Branch Hours

Norwich Office
35 East Main Street, Norwich, NY 13815
View Branch Hours


WHO WE ARE

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Documents & DisclosuresAccessibility Statement

Your savings federally insured to at least $250,000 and backed by the full faith
and credit of the United States Government National Credit Union Administration,
a US Government Agency.
© GHS Federal Credit Union. All Rights Reserved. Privacy Policy
*APR = Annual Percentage Rate. Rates are shown "as low as". Rates and terms are
subject to change. The rate and term may vary depending on each individual's
credit history and underwriting factors. Credit Union Membership required with a
$1.00 minimum deposit and $1.00 membership fee. Rate shown as low as with
discount up to 0.50% for Auto Loans. Rate shown as low as with discount up to
0.25% for Personal Loans and Home Equity Loans.
**APY = Annual Percentage Yield. Rates are subject to change at any time. Early
withdrawal penalties may be imposed on Term Share Accounts. Credit Union
Membership required with a $1.00 minimum deposit and $1.00 membership fee.
We provide links to third party partners, independent from GHS FCU. These links
are provided only as a convenience. We do not manage the content of those sites.
The privacy and security policies of external websites will differ from those of
GHS FCU.

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