GHS Federal Credit Union is expanding into new communities!
GHS Federal Credit Union has expanded its membership charter and that means you may now be eligible to join our credit union.
Whether you're managing money, applying for a loan, or building your credit — you can do it all online with GHS.
Apply for your membership online in minutes
Competitive Rates for personal, auto, home equity, or debt consolidation loans
Enjoy fewer fees on accounts and their transactions
Local, fast decision-making for your business banking and lending needs, including SBA lending
Take advantage of financial wellness resources with local support, and access to assistance programs like Starlight.
Get connected to our community partners across our entire field of membership in the Southern Tier and Central NY, and Northeast Pennsylvania.
GHS Federal Credit Union is Committed to better access to banking for All
When you say YES to GHS, your membership supports nonprofits, youth initiatives, and social services in your area. This is more than banking, it’s belonging somewhere.
As a Federal Credit Union, we’re different by design. We’re not-for-profit and member-owned, which means our focus isn’t on generating profits for shareholders, it’s all about delivering value back to our members. That value shows up in the form of better rates, lower fees, and meaningful investments in the communities we serve.
We believe in the power of People Helping People. Every dollar you entrust to GHS helps support your neighbors — from providing financial education and counseling, to funding school programs and local charities, to offering flexible lending options that make a real difference in someone’s life.
We know that for many individuals and families — especially those with lower or moderate incomes or a history of financial challenges — hearing “no” from traditional financial institutions can feel routine. At GHS, we believe in saying YES whenever we can. And that’s not just a slogan — it’s a commitment we live by every day.
Financial Guidance That Meets You Where You Are And Takes You Where You Want to Go
At GHS, we believe everyone deserves access to the tools and support that lead to financial confidence. Whether you’re just starting your journey or looking to regain your footing, we’re here to help you build a better financial future — one step at a time.
That’s why we offer free, certified financial counseling for both GHS members and our wider community. Our experienced local counselors work with you directly to understand your situation — whether you’re dealing with debt, improving your credit, navigating a life transition, or simply trying to budget better. It’s personalized. It’s private. And it’s always focused on your goals.
We know financial education should be more than just informative — it should be practical and empowering. That’s why we partner with schools, nonprofits, and community organizations to bring workshops, group learning sessions, and digital resources where they’re needed most. In person and online, our outreach meets people where they are — both geographically and financially.
GHS is especially focused on removing the barriers that have long stood in the way for underserved communities. Whether you’re a student just starting out, a family working on stability, or someone who’s been overlooked by traditional banking, we’re here with tools designed to serve you. From on-demand resources and financial calculators to 1:1 guidance, our growing library of digital support makes learning about money easier and more accessible than ever.
No matter your background, age, or income — financial wellness is within reach. And at GHS, support is always just a click away.