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Thinking About Your Next Vehicle? How the Right Auto Loan Can Make the Process Simpler

Thinking About Your Next Vehicle? How the Right Auto Loan Can Make the Process Simpler

Buying a car should feel exciting, not overwhelming. But between comparing prices, reviewing loan offers, and figuring out what fits your budget, the financing side can quickly become the most stressful part of the process. A good auto loan can help you move forward with more confidence by keeping costs clear, payments manageable, and the process straightforward. If you're planning to buy or refinance, understanding what to look for can help you make a choice that supports what’s next for you.

Auto LoansKyle FarrJune 8, 2026GHS Federal Credit UnionAuto Loan, Loans

What Is a HELOC? A Flexible Way to Use Your Home’s Equity

What Is a HELOC? A Flexible Way to Use Your Home’s Equity

If you’ve been putting off home projects, carrying higher-interest debt, or trying to protect your savings while managing everyday expenses, you’re not alone. For many homeowners, the challenge is not always whether a goal matters, but how to pay for it without creating new financial stress. That’s where a HELOC can help. A Home Equity Line of Credit gives you a flexible way to access home equity, so you can move forward on your timeline and keep more control over how much you borrow.

Home Equity HELOCKyle FarrJune 3, 2026Home Equity Loan

Mid-Year Financial Check-In: 5 Questions to Ask Yourself About Your Money

Mid-Year Financial Check-In: 5 Questions to Ask Yourself About Your Money

Take a mid-year financial check-in with five simple questions to help you review your budget, savings, debt, and goals so you can finish the year financially strong.

Blog Nav, Financial LiteracyLisa YoungJune 1, 2026

How to Compare Loan Offers (What Borrowers Should Look For)

How to Compare Loan Offers (What Borrowers Should Look For)

Comparing loan offers takes more than looking at interest rates. Learn how to evaluate APR, loan terms, monthly payments, and fees so you can choose the right loan for your budget.

Auto Loans, Financial Literacy, Home Equity HELOC, Mortgages + Refi, Blog NavLisa YoungMay 18, 2026

2026 Member Annual Meeting

2026 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.

News & Events, Blog NavLisa YoungMay 12, 2026Event, Member Information, Education

How to Plan for Unexpected Expenses (Without Blowing Your Budget)

How to Plan for Unexpected Expenses (Without Blowing Your Budget)

Learn how to plan for unexpected expenses without disrupting your budget. Discover practical tips for building an emergency fund, budgeting with flexibility, and managing financial surprises with confidence.

Savings Accounts, Financial Literacy, Blog Nav, Checking AccountsLisa YoungMay 4, 2026

Understanding Interest Rates: Why They Matter for Borrowing and Saving

Understanding Interest Rates: Why They Matter for Borrowing and Saving

Learn how interest rates affect borrowing and saving. Understand APR, APY, and how rates impact loans, credit cards, and your financial goals.

Auto Loans, Blog Nav, Credit Card, Home Equity HELOC, Mortgages + Refi, Financial Literacy, Savings AccountsLisa YoungApril 20, 2026

2026 FREE Shred Day with the American Heart Association

2026 FREE Shred Day with the American Heart Association

Join us for our FREE Drive-Thru Shred Day on Saturday, April 18 from 8 to 11 AM at 910 Front Street in Binghamton. Bring your old documents and we will securely shred them on site.

Donations will be accepted to support the American Heart Association of the Southern Tier, helping fund lifesaving research and programs right here in our community.

This event is made possible through our partnership with Mirabito Energy Products, with shredding services provided in collaboration with Rogers Service Group Inc, a longtime and trusted partner of GHS.

News & Events, Blog NavLisa YoungApril 16, 2026Event, Member Information

Financial Literacy Month: 6 Smart Money Habits That Build Financial Stability

Financial Literacy Month: 6 Smart Money Habits That Build Financial Stability

Build financial stability this Financial Literacy Month with six simple money habits to help you budget, save, and use credit with confidence.

Blog Nav, Savings Accounts, Financial LiteracyLisa YoungApril 6, 2026

Share Certificates vs. Certificates of Deposit: What’s the Difference?

Share Certificates vs. Certificates of Deposit: What’s the Difference?

At first glance, they look almost identical. Both offer fixed rates, predictable returns, and a set timeframe. There are a few key differences however, especially when it comes to how they’re offered and what they represent.

Savings AccountsKyle FarrMarch 27, 2026Share Certificates, Certificate of Deposit, CD, financial literacy, Savings Account, Fixed Rate Savings, Term Savings, Share Certificate vs. CD, CD Alternatives, Savings Comparison, Banking vs. Credit Union, Credit Union Benefits, Personal Finance, Saving Money, Financial Education, Money Management, Smart Saving

Planning Home Improvements? How to Pay for Projects Without Overstretching Your Budget

Planning Home Improvements? How to Pay for Projects Without Overstretching Your Budget

Planning a home improvement project? Learn how to budget for renovations, explore financing options, and decide when savings, loans, or home equity may make sense, without stretching your finances too thin.

Home Equity HELOC, Financial Literacy, Blog NavLisa YoungMarch 23, 2026

Spring Clean Your Finances: What to Review, Cancel, and Reset

Spring Clean Your Finances: What to Review, Cancel, and Reset

Review your finances this spring. Learn how to identify unused subscriptions, revisit your budget, and reset your savings goals with simple, practical steps.

Financial Literacy, Blog NavLisa YoungMarch 9, 2026

What Should I Do With My Tax Refund?

What Should I Do With My Tax Refund?

Wondering how to use your tax refund? Learn smart, practical ways to save, pay down debt, and plan ahead this tax season.

Blog Nav, Financial LiteracyLisa YoungFebruary 23, 2026

What Is Credit? A Simple Guide to How It Works

What Is Credit? A Simple Guide to How It Works

Credit affects more than loans. Learn what credit is, how it works, what impacts your score, and how to build credit responsibly.

Financial Literacy, Blog Nav, Credit CardLisa YoungFebruary 9, 2026

A Fresh Start After the Holidays: Managing Debt Without Shame

A Fresh Start After the Holidays: Managing Debt Without Shame

Struggling with post-holiday debt? Learn practical steps, consolidation options, and how to move forward without guilt or pressure.

Financial Literacy, Blog NavLisa YoungJanuary 30, 2026

GHSFCU Partners with the NYCUA again for the 2026 College Scholarship Program

GHSFCU Partners with the NYCUA again for the 2026 College Scholarship Program

GHS Federal Credit Union is proud to partner once again with the New York Credit Union Association to offer graduating high school seniors the opportunity to earn financial support for their college journey. With just one application, students are automatically entered into two scholarship programs—the NYCUA statewide awards and the GHS local awards.

News & Events, Blog NavLisa YoungDecember 3, 2025financial wellness, scholarship

Why Choose to Work at GHS Federal Credit Union?

Why Choose to Work at GHS Federal Credit Union?

Finding the right place to work isn’t just about checking off boxes on a job posting. It’s about finding a place where you feel supported, where the work has meaning, and where you can see yourself growing over time. At GHS, that’s what we try to offer.

News & Events, Blog NavLisa YoungNovember 17, 2025careers, job, work at ghs

Cut Your Interest Rate in Half with GHS Federal Credit Union's DRIVE DOWN

Cut Your Interest Rate in Half with GHS Federal Credit Union's DRIVE DOWN

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.

News & Events, Blog NavLisa YoungNovember 14, 2025Auto Loan, Community Development