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Cut your current auto loan interest rate in half* when you refinance with GHS Federal Credit Union and put money back in your pocket each month.
Drive Down Your Auto Payment Today!
*Down to 5.5% APR. Limited time only, 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.
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.
Ready to drive down your auto payments and take control of your budget? Refinancing your auto loan with GHS Federal Credit Union could mean significant monthly savings with rates as low as 5.5% APR.
Most of us know we should have a budget. The tricky part isn’t writing one, it’s following it. If you’ve ever made a budget only to abandon it a few weeks later, you’re not alone. The secret is building a plan that’s realistic, flexible, and personal to your lifestyle. Here’s how to create a budget you’ll actually stick to.
“In The Know” is GHS FCU’s quarterly member newsletter. Stay up to date on the the latest news, upcoming events, ,and financial tips!
College can feel like a strange contradiction: you’re building your future while balancing costs that could follow you for decades. And for a lot of students, the pressure to “make it all work” leads straight to student loans. They're easy to get, easy to ignore, until they’re not.
Here’s the part no one says out loud:
Every dollar you don’t borrow now is one less dollar you’ll owe (with interest) later.
