We provide links to third party websites, 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. Click CONTINUE to proceed or click the "X" to stay on this site.
Thrive Together is how GHS Federal Credit Union supports real life. With modern tools, thoughtful guidance, and a commitment to financial wellbeing that grows alongside the people and communities we serve.
Don’t just settle for a decent rate, knock it out! At GHS Federal Credit Union, we’re going toe-to-toe with any approved auto loan offer you bring us, and taking it down by 0.25% APR*.
*Terms and Conditions Apply
A Share Certificate is one of the smartest, safest ways to grow your savings. A Share Certificate allows you to deposit a fixed amount of money for a set period of time and in return you earn a guaranteed rate of return.
Home equity loans can be a practical way to fund improvements, manage expenses, or bring long-term plans within reach.
Whether you’re just beginning your financial journey or working toward your next goal, we’re here to help. Connect with one of our Certified Credit Union Financial Counselors, explore helpful articles, and access a variety of resources designed to give you the knowledge, tools, and confidence to take control of your money.
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.
Proudly bringing financial education and assistance to our community members through these incredible organizations for over 80 years - and counting!
GHS FCU is an inclusive credit union welcoming anyone who lives, works, attends school, volunteers, or worships in Broome, Chemung, Chenango, Cortland, Delaware, Greene, Schoharie, Sullivan, Steuben, Tioga, and Tompkins Counties in New York, and Bradford, Susquehanna, and Tioga Counties in Pennsylvania
“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.
Review your finances this spring. Learn how to identify unused subscriptions, revisit your budget, and reset your savings goals with simple, practical steps.
Wondering how to use your tax refund? Learn smart, practical ways to save, pay down debt, and plan ahead this tax season.
Credit affects more than loans. Learn what credit is, how it works, what impacts your score, and how to build credit responsibly.
Struggling with post-holiday debt? Learn practical steps, consolidation options, and how to move forward without guilt or pressure.
