Gha Greenwich CT Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Gha, your trusted financial partner located at 5 Perryridge Rd, Greenwich, CT 06830. Since our establishment in 1974, we've been dedicated to serving our community with integrity and care. With a strong membership base of 2,423 individuals, we pride ourselves on being a credit union that truly understands the needs of our members. At Gha, we manage assets totaling over $29,626,631, ensuring that your deposits amounting to $515,166 are secure and working hard for you. Our commitment to fostering financial health extends beyond just numbers; it's about building relationships that empower you to achieve your goals. We offer a wide range of services including personal banking, auto loans, mortgage financing, and business loans tailored to meet your specific needs. Our team of 4 dedicated employees is led by our CEO, Diane Saperstein, and Board President, Cara Giacomo. Together, they ensure that every member receives personalized service and support. We understand that managing finances can sometimes be daunting; that's why we're here to guide you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 5 Perryridge Rd, Greenwich, CT 06830-4608. Whether you're looking to open a new account or apply for a loan, we invite you to reach out! Call us at 203-863-3186 during our operating hours from 8:00 am to 4:00 pm on weekdays. Join us at Gha where your financial well-being is our top priority! For more information about what we offer and how we can help you thrive financially, please visit us at [ghafcu.org]( https://www.ghafcu.org ).

Branch History & Mission

Welcome to Gha, a cornerstone of the financial community in Greenwich, CT. Since opening our doors in 1974, we have proudly served our members, fostering a spirit of cooperation and mutual support that defines credit unions. With a total membership of over 2,423 and assets totaling $29,626,631, we have grown significantly, adapting to the needs of our community while maintaining our commitment to providing personalized financial services. Located at 5 Perryridge Rd Greenwich Ct 06830, just a stone's throw from local landmarks, our branch is easily accessible for all your banking needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or personal loans, we aim to provide solutions that empower you to reach your financial goals. While members can visit us at 5 Perryridge Rd Greenwich Ct 06830, official correspondence should be sent to 5 Perryridge Rd, Greenwich, CT 06830-4608. At the heart of Gha lies our mission: to deliver exceptional financial services while nurturing community growth. We believe that by supporting our members' financial well-being, we contribute to the overall prosperity of Greenwich and beyond. Our initiatives focus not only on banking but also on community engagement and outreach, ensuring we play an active role in making a positive impact. As we navigate the evolving landscape of banking, we embrace digital advancements with features such as online banking and mobile payments. These tools are designed with you in mind making it easier than ever to manage your finances from anywhere. We also prioritize accessibility and inclusivity, ensuring our facilities meet ADA compliance standards. Our drive-thru service may not be available right now, but our dedicated team is ready to assist you during operating hours from 8:00 am to 4:00 pm on weekdays. You can reach us at (203) 863-3186 for any inquiries or assistance. We invite you to join us at Gha a place where your financial success is our priority. Experience firsthand how we can help you achieve your dreams while being part of a supportive community focused on shared growth and prosperity.

Branch Location & Accessibility

Banking Hours Tailored for You

We're here for you during the week! Our lobby hours are from 8:00 AM to 4:00 PM, Monday through Friday. This schedule provides plenty of time for you to come in and speak with our friendly staff about personal banking options, auto loans, mortgages, and more.

Easy Access and Parking

Our branch is designed with your convenience in mind. We offer ample parking, so you can park with ease while you take care of your financial matters. For those who may need assistance, we ensure our facilities are ADA compliant, including ramps and accessible entrances.

Services Designed for Your Convenience

While we currently do not offer ATM services or drive-thru banking at this location, our dedicated team is always ready to assist you inside the branch. From checking and savings accounts to credit cards with rewards and business banking services, we have something for everyone. If you ever need to reach us outside of your visit, feel free to call us at 203-863-3186. If you're considering joining our community or have any questions about membership eligibility, we invite you to visit our website at [ghafcu.org]( https://www.ghafcu.org ) or stop by the branch today! We look forward to serving you at Gha's Main Office!

Member Eligibility

At Gha, we're excited to welcome you into our community! Becoming a member is simple and rewarding. If you live, work, or worship in the area, you're likely eligible to join us. We believe everyone deserves access to financial services that support their needs, whether you're looking for a checking account, an auto loan, or personalized advice. Our members enjoy competitive rates and a range of services tailored just for them. To find out more about the specific eligibility criteria, feel free to visit us at https://www.ghafcu.org/about-us/membership . Opening an account with Gha is just as easy! You can kick off your membership journey by visiting our website or giving us a call at (203) 863-3186. We're here to guide you through the process and answer any questions you may have. Join us today at our branch located at 5 Perryridge Rd Greenwich Ct 06830, and take the first step towards better banking!

Business Banking & Commercial Services

Business Loans to Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer essential merchant services tailored for your daily operations. Picture this: a local café using our payment processing solutions to easily accept credit cards while keeping customer lines moving. Our services ensure you can focus on what matters most growing your business. Visit us at 5 Perryridge Rd Greenwich Ct 06830 in Greenwich, CT or call us at (203) 863-3186 to discover how we can partner with you on your business journey!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we don't have ATMs on-site at Gha, we ensure that cash withdrawal services are easily accessible through partnerships within our network. This means that no matter where life takes you in Greenwich, you'll have access to your funds whenever needed. We invite you to visit us at 5 Perryridge Rd Greenwich Ct 06830 or give us a call at (203) 863-3186 to learn more about how our wide array of services can meet your financial goals. Join the Gha family today where personalized service meets convenience!

Auto Loans & Vehicle Financing

If you're looking to buy a new car or refinance an existing loan, our auto loans and vehicle financing options can make the process easier. We offer competitive rates and flexible terms so that you can drive away in the vehicle you love without financial stress. Our team is here to guide you through every step, ensuring you find the best option for your budget.

Business Banking Services

For our entrepreneurial members, we offer business banking solutions including merchant services and business loans. If you're running a small business or just starting out, our resources can help support your growth and success.

Credit Cards with Rewards

Enjoy shopping while earning rewards with our credit card options! Each purchase brings you closer to exciting benefits that can enhance your spending power. Our cards come with perks that make everyday expenses more rewarding.

Mortgage Loans & Refinancing

Thinking about buying a home? Or perhaps you're considering refinancing your current mortgage? At Gha, we offer tailored mortgage loans that fit your specific needs. Our knowledgeable staff will walk you through the different options available, helping you secure financing that works for your future.

Online & Mobile Banking

In today's fast-paced world, managing your finances should be effortless. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, pay bills, and even deposit checks all from the comfort of your home or on-the-go!

Personal Banking Solutions

When it comes to managing your everyday finances, our personal banking services have got you covered. Whether you're opening a checking or savings account, we make the process straightforward and convenient. Imagine having all your banking needs met from one place, where friendly staff are always ready to assist you.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at you, and when it does, having access to personal loans can be a lifesaver. Whether it's for home improvements, medical bills, or debt consolidation, our personal loans are designed to give you the financial flexibility you need when it matters most.

Digital & Online Banking

Key Features

With our online banking services, you can access your accounts 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Our mobile application further enhances this experience by putting all these features right in your pocket. Plus, if you're looking to send money to friends or family quickly, our person-to-person transfer feature makes it simple and hassle-free. Keeping your information safe is a top priority for us. While we currently do not support electronic signature authorization for transactions, we ensure that your data remains secure through robust security measures. You can also choose to receive e-statements, which not only helps the environment but keeps your financial records organized and accessible. If you enjoy the convenience of mobile payments, you're in luck! Our platform supports this feature, making it easier than ever to make purchases directly from your smartphone. With every transaction made through our services, you can feel confident knowing that we're committed to protecting your financial information. At Gha, we're dedicated to providing our members with accessible and effective banking solutions. Experience the ease of managing your finances with us today!

Financial Strength

A Trusted Partner

Total Share Accounts: 4,768, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gha is your trusted partner. Visit us at 5 Perryridge Rd Greenwich Ct 06830 or call (203) 863-3186 to learn more about how we can help you achieve your financial goals!

Member Savings Secured

Members' savings are secured through $1,663,267 in share certificates and $6,036,463 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our ability to generate income is reflected in our $0, showcasing our operational efficiency that allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees who are dedicated to providing exceptional service to you.

Our Financial Health

With a net worth of $4,334,999, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,463 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting for Better Services

With $4,194,597 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $247 in used auto loans and $10,974,250 in total loans and leases.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $4,071,084 in used vehicle loans and $2,148,581 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new vehicle or a reliable pre-owned option, our financing solutions can fit your needs.

Credit Lines

If you need extra cash flow for unexpected expenses or projects, our total credit lines amounting to $1,910,000 are designed to give you access when you need it most. You can borrow up to your limit without the hassle of applying for a new loan each time. At Gha, we prioritize your needs and aim to provide solutions that empower you financially. If you're considering refinancing or want to know about eligibility options, don't hesitate to reach out. We're here to assist! Feel free to contact us at (203) 863-3186 or visit us at 5 Perryridge Rd Greenwich Ct 06830 in Greenwich, CT during our operating hours from 8:00 AM to 4:00 PM. For more information about our offerings or to start your application process, please visit our website at [ https://www.ghafcu.org/]( https://www.ghafcu.org ). All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We can guide you through the process and help you find the best terms for your situation.

Unsecured Credit Card Loans

For those looking to manage everyday expenses, we also offer flexible terms on unsecured credit card loans, with a total of $1,004,288 in loans assisting members in handling their finances effectively. These cards come with rewards that make spending even more rewarding.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This compliance ensures that users receive fair and transparent offers tailored to their needs.

Gha