Ghs Federal Credit Union
Headquarters
910 Upper Front St
Binghamton, NY 13905
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2024 Overview
General Credit Union Information
Ghs is an NCUA insured institution located in Binghamton, NY. It was founded in 1940 and has approximately $229.08 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 3841 |
| Date Established | 1940 |
| Assets | $229.08 million |
| Loans | $160.56 million |
| Deposits | $211.15 million |
| Capital | $21.40 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 - December 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.25% | $2,500 | $3,499 | Learn More |
Loan Rates - December 16, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.459% | 6.375% | 0.50 | $2,810 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.716% | 6.625% | 0.75 | $3,023 | $2,049 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.750 % After Intro: 7.750 % |
$25,000 |
Learn More
More Info |
Note to Ghs
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Branches
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:
Columbus,Ohio
Ghs Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 406.08 | A | View Lobby Hours | |
| 434.33 | B | View Lobby Hours | |
| 545.25 | C | View Lobby Hours |
Climate Policy and Initiatives
GHS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 14.82% | 5.83 |
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, 2024, Ghs had $3,216,204 in non-current loans and $192,386 in owned assets. To cover these potential losses it had $21,401,743 in net worth and $1,604,063 in loans loss reserves. That gives it a Texas Ratio of 14.82%.
Net Worth
| Ghs | U.S. Average |
|---|---|
| 9.39% | 13.93% |
Ghs FCU has a net worth of 9.39% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Ghs
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