GHS Credit Union

Binghamton, New York
Last verified: August 4, 2026
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Verified rate book

Current GHS Credit Union rates

3 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

1 offer
GHS Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New & Used Autoauto_any7.900% APR7.900%anyStandard

HELOC rates

1 offer
GHS Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loan (Fixed)heloc_fixed7.900% APR7.900%—Standard

Credit card rates

1 offer
GHS Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card7.900% APR7.900%—Standard

Auto loans available from 7.9% APR. HELOC rates from 7.9% APR. Credit card rates from 7.9% APR.

Source: RateAPI.dev, verified from GHS Credit Union's official website

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About GHS Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
18.9K
Assets
$246.7M
Founded
1940
Locations reported
2
NCUA charter
3841
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships
  • Credit-builder products
  • Payday Alternative Loans I
  • Payday Alternative Loans II

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

BroadviewBDC Automated Branch · Binghamton · NY · 13905-1603Branch in the same ZIPEmpowerBinghamton · Binghamton · NY · 13905Branch in the same ZIPVisionsBOCES · Binghamton · NY · 13905Branch in the same ZIPU. H. S. EmployeesWilson · Johnson City · NY · 13790About 3.0 miles awaySidneyGreene · Greene · NY · 13778About 16.1 miles awayAmericuCortland · Cortland · NY · 13045About 31.3 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join GHS Credit Union

Membership eligibility from GHS Credit Union's own published criteria. How we verify this.

Community charter: live/work in Broome, Chemung, Chenango +10 more

  • LocationBroome, Chemung, Chenango, Cortland, Delaware, Greene, Schoharie, Sullivan, Steuben, Tioga, Tompkins, Bradford, Susquehanna

Cost to join: About $2 (a $1 membership fee plus a $1 minimum deposit).

Verified from GHS Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does GHS Credit Union offer?

GHS Credit Union currently offers Auto loan, HELOC, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are GHS Credit Union rates updated?

RateAPI verifies GHS Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get GHS Credit Union's rate data?

Rate data is collected directly from GHS Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are GHS Credit Union's auto loan rates?

As of August 4, 2026, GHS Credit Union offers auto loans from 7.9% APR.

What is GHS Credit Union's HELOC rate?

As of August 4, 2026, GHS Credit Union offers home equity lines of credit from 7.9% APR.

Related Rate Data

Compare GHS Credit Union's rates against national credit-union benchmarks.

More New York credit unionsAuto loan rate benchmarkHELOC ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for GHS Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/ghs" \
  -H "Authorization: Bearer YOUR_API_KEY"
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