Ghs Federal Credit Union

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A short history of Ghs FCU

Since its inception in 1940 the Ghs Federal Credit Union has been serving its members in the BINGHAMTON, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Howard Meller, the Ghs FCU has grown its membership to over 16,326 with assets of more than $147,475,972. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (607) 723-7962 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BINGHAMTON, NY.

General Information For Ghs FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 3841
Address 910 UPPER FRONT ST 
State New York 
Zip-Code 13905
Phone Number (607) 723-7962
Fax Number () -
Email Address:
CEO/President Howard Meller
Members 16,326 
Full-Time Employees 38 
Part-Time Employees
Number of Branch Offices
Total Assets 147,475,972 

Compare Ghs Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
U. H. S. Employees CU BGH Branch 40 Mitchell Ave 13790 (607) 763-5069 No 4.44
Horizons CU Horizons FCU 519 Hooper Rd 13760 (607) 724-5876 No 5.48
Visions CU Rochester 1130 E Main St 13760 (585) 328-5410 No 5.70
Sidney CU Hancock 70 W Front Street Ext 13783 (607) 637-1450 No 29.86

Ghs Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Ghs Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.21 3.71 3.98 4.12 4.71
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 100 238 201 158 196
Rank Among All New York Credit Unions 11 92 62 57 65

Ghs Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.07 0.10 0.33 1.08 1.09
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 122 129 92 157 147
Rank Among All New York Credit Unions 18 34 22 29 31
Ghs Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.2102,4965,947,362
All Other Unsecured Loans/Lines of Credit 7.1602,8048,874,918
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.7101,08811,207,252
Used Vehicle Loans 3.9801,94023,782,689
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.12041431,201,225
Total Other Real Estate Loans/Lines of Credit 4.71080224,995,769
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.7804504,027,604
TOTAL LOANS & LEASES 9,994110,036,819

Ghs Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 24021,161,347141,365,929
    b. 15 Years or less 1679,477,7396705,950
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 3184,38100
Adjustable Rate > 1 yr 4377,75800


Closed-End Fixed Rate 49612,607,252582,529,522
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 30612,388,51715611,101
Open-End Fixed Rate 0000
TOTALS 1,21656,196,994935,212,502


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Ghs Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes