Knowledge builds financial power
Financial Wellness
High-interest credit card debt can be difficult to pay down, especially when a large portion of each payment goes toward interest. Learn how credit card APR works, when a balance transfer may make sense, and how moving debt to a lower-rate card could help you save money. You’ll also find practical tips for building a repayment plan, managing spending, and developing healthier credit habits.
Explore how Home Equity Loans work, when they make sense, and how they can help finance home improvements, debt consolidation, and other major expenses.
Learn when a personal loan makes sense, and when it might not. Understand how personal loans work, common uses, and what to consider before borrowing.
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.
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.
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.
Learn how interest rates affect borrowing and saving. Understand APR, APY, and how rates impact loans, credit cards, and your financial goals.
Build financial stability this Financial Literacy Month with six simple money habits to help you budget, save, and use credit with confidence.
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.
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.
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.
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.
A lot of people avoid credit because they’re afraid of messing up. We’re talking about how to use it without falling into the usual traps.
News & Events
The latest issue of Thrive Together is here! Catch up on GHS news, community impact, financial resources, and more.
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.
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.
Thrive Together is your quarterly update from GHS Federal Credit Union, designed to keep you informed, supported, and connected to what matters most. From community impact to financial opportunities, each issue highlights how GHS is working for you and alongside you.
“In The Know” is GHS FCU’s quarterly member newsletter. Stay up to date on the the latest news, upcoming events, ,and financial tips!
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.
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.
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.
“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.
GHS Federal Credit Union has expanded its membership charter and that means you may now be eligible to join our credit union.
“In The Know” is GHS FCU’s quarterly member newsletter. Stay up to date on the the latest news, upcoming events, ,and financial tips!
GHS Federal Credit Union has proudly awarded five $1000 scholarships to five local high school seniors who are college bound in 2025.
Ready to show off your financial muscles? GHS is covering home equity closing costs for a limited time only, saving you up to $1000! With interest rates as low as 5.5% APR, Flex Smarter with GHS Federal Credit Union.
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 16,000+ 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.
“In The Know” is GHS FCU’s quarterly member newsletter. Stay up to date on the the latest news, upcoming events, financial tips and hear from your President/CEO Shawn Wolbert!