GHS Federal Credit Union

Overall It’s ok. . Lots of turnover so there is never really that feeling of friendliness I get at other financial institutions when you get to know the staff. The H in ghs must stand for hold, as they put a hold on items other financial institutions hold for a day. An official check from a neighboring credit union (visions) gets a 5 day hold which ends up being a week with weekends. All in all ok, I’ve been there so long it’s just easier not to change all my autopays I set up long ago. They also used local contractors for work at their one branch which I liked seeing. Also you have to “order” over 5k in cash. Must be a hold on that too.

I have had wonderful experiences every time with GHS! I went to the drive thru to cash my checks. The staff were friendly and cashed my checks very quickly. They always said to have a great day with smiles, which doesn’t come easy for everyone nowadays. My husband received a personal loan very quickly for our roof to be fixed. GHS put us at ease by giving us that loan in time to pay for our roof. I love going to GHS and wouldn’t think of going to another bank! 😁💰

TLDR; GHS is okay if you are looking for a local credit union that you can visit *in person*, but inconvenient if you are not local. Below is my experiences as a customer. Firstly, I have had numerous negative experiences with your customer service. I have been on hold for long periods trying to get a resolution to my issue, and when I finally reach a representative, they do not seem to want to assist or make it difficult to come to a resolution. This has led to frustration and further delays in resolving my concerns. Additionally, as a recent mover, the limited payment options for my loan, being restricted to either check or in-person payments, are highly inconvenient and make managing my finances difficult. While the option of paying by card is available, the imposition of a 3% fee for phone card payments on top of the loan's interest seems unreasonable. Lastly, the user interface for your customer portal is confusing and not user-friendly. I have a hard time navigating the site and finding the information I need. This has caused me to waste a significant amount of time trying to complete simple tasks like checking my account balance or making a transfer. I still cannot figure out how to begin a transfer. I hope that you will take my feedback seriously and work towards improving these areas. As a customer, I expect a higher level of service and reliability from a financial institution. I am happy that my loan will be paid off soon. In the future, I will certainly be looking for a more customer-focused financial institution that has more options for people who are not local to the area.

GHS has been such a wonderful bank to do business with. They have an awesome team and a dedicated staff. They are professional and quickly resolve any issue in a timely manner.I am very impressed with their hard work and outstanding performance!! Their reputation is well deserved and earned. 5 Stars ⭐⭐⭐⭐⭐ Thanks GHS, L.W.

I've been a member here at the Front Street branch (can't speak for the others) for years now, with a few loans done. Pricing is always great, and the staff is phenomenal! Just the nicest people you ever wanna meet... always a pleasure to deal with! Quick and efficient. In the rare case of a problem it's dealt with seamlessly! I'll always call them first for my needs. Thanks guys!

I have been a GHS member since 1981 and stay with their services due to the ease of support and the security of my accounts. I have always found the interest rates for various loans and deposits to be Thebes through all economic eras I have lived trough. I can always count on GHS for quick approvals and processing of the loans I have used over the years. An extras the professional, pleasant conversations I have consistently had with staff at GHS.

I've been a member for over 40 years and have watched this institution steadily decline over the past 10 to 15 years until it is simply a shadow of what it used to be. Currently I'm dealing with a problem they cannot diagnose, understand, remedy, or resolve. It shouldn't take three weeks for a bill pay service to pay a bill and how can a financial institution possibly have a process they cannot understand, control, or rectify? There appears to be very poor management top to bottom and a great deal of turnover. When you enter the main office you see an empty lobby where a receptionist used to be which simply screams we are not in good shape. The tellers look like they are on their way to the gallows, they are poorly dressed, and I have not seen a smile or received a pleasant greeting there in many many years. I am in the process of shifting my finances to a reputable institution and leaving this mess behind.