Home
Contents
Explore
Search

G.H.S. Credit Union

Overview
Back to Top

G.H.S. Credit Union is a federal credit union based in Greenville, South Carolina. It has been opened since 1954, for 66 years.

With around $42,550,000 in assets, G.H.S. Credit Union is considered to be an average size credit union. It has 2 branches and 1 ATM locations.

About
Address 211 Patewood Drive
Greenville, South Carolina 29615
Website https://www.myghsfcu.coop
Phone (864) 288-8046
Fax (864) 288-8489
CEO Frank Rivers
President of the Board Pat Leach
Services Offered
Map
Back to Top
Score Card
Back to Top
66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
12,752 members
Membership type: Multiple common bond – primary health care
Above average number of members
1,063:1
Credit union member to staff ratio
1,063 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$42,551,095
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 4 in South Carolina
Above average number of branches
0.06%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
Back to Top
2 branches
Compared with an average of 4 nationally and 4 in South Carolina
Above average number of branches
G.H.S. Credit Union Branch Locations

G.H.S. Credit Union: Patewood
211 Patewood Drive
Greenville, South Carolina 29615
ATM Available
G.H.S. Credit Union: Gmh Office
701 Grove Road
Greenville Memorial Hospital
Greenville, South Carolina 29605
No ATM
Members
Back to Top
12,752 members
Membership type: Multiple common bond – primary health care
Above average number of members

With 12,752 members, the G.H.S. Credit Union is considered to be a large credit union. It is larger than 75% of credit unions.

Fees
Back to Top
$23
Average fee per member
The average fee per member at the G.H.S. Credit Union is $23, which is low compared to most credit unions. This rate is lower than 71% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the G.H.S. Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
Back to Top
1,063:1
Credit union member to staff ratio
1,063 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
12 staff members
FTE (full-time equivalent)
15% of employees are part-time
11 full-time, 2 part-time

G.H.S. Credit Union has 11 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 85% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. G.H.S. Credit Union has around 1,063 members per staff, a high ratio compared to other credit unions.

Assets
Back to Top
$42,551,095
Total assets
Average size
Net worth
Back to Top
Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
Back to Top
$6,962
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 78% of credit unions.

G.H.S. Credit Union holds a total of $19,000,000 in loans and leases, which is about $6,962 per member on average.

Savings interest rate
Back to Top
0.06%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. G.H.S. Credit Union pays 0.06%.

Loan rates
Back to Top
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
Back to Top
3.25%
New car loan rate
Compared to 4.0% nationally
3.25%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
Back to Top
4.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Other real estate loan rates
Compared to 0.9% nationally
Columbia Post Office Credit Union
Location
Columbia, South Carolina
Members
1482
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Sangamo-Oconee Employees Credit Union
Location
West Union, South Carolina
Members
487
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Turbine Credit Union
Location
Greenville, South Carolina
Members
3,002
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
9.99%
Read More
Spc Credit Union
Location
Hartsville, South Carolina
Members
20,917
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
9.90%
Read More
Allsouth Credit Union
Location
Columbia, South Carolina
Members
119,714
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Heritage Trust Credit Union
Location
Charleston, South Carolina
Members
49,280
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
11.90%
Read More