Credit union · NCUA insured
GHS FCU
Top CarrotA $246.7M credit union headquartered in Binghamton, NY, with 18,850 members and 2 branches in New York. Best rates: CDs 4.10% and savings 1.25% APY.
GHS FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#1 of 10 in Binghamton, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About GHS FCU
Founded in 1940 in Binghamton, New York, GHS Federal Credit Union is a member-owned institution serving multiple counties across New York and Pennsylvania.
The credit union was originally established by state hospital employees to offer lower loan rates and higher dividends for participating staff.
- Headquarters
- 910 Upper Front St, Binghamton, NY 13905-1337
- NCUA charter
- 3841
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- 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 is eligible for membership.
Family and household
- Individuals related (or directly related) to a member who meets eligibility requirements are eligible for membership.
Cost to join
- Credit union membership requires a $1.00 minimum deposit and a $1.00 membership fee.
Branches
2 branches in New York
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New York
2 branches
Binghamton area · 1
- Main OfficeMain office910 Upper Front St, Binghamton, NY 13905Directions
Norwich area · 1
- Norwich Branch35 E Main St, Norwich, NY 13815Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.68% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 4.90% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio9.68%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late4.90%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of GHS FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.