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Real Estate
Last Updated: Friday, January 01, 2010
Loan Type	Term	Variable APR*	Fixed APR*
Mortgages	15, 20, 30 Year	Please call for rates.	Please call for rates.
Home Equity Loan**	60 Months	4.50%	4.95%
	120 Months	5.45%	5.90%
Home Equity Line of Credit	20 Year Repayment Period/5 Year Draw	Please call for rates.	Please call for rates.
Auto / Truck / Recreational Vehicles
Last Updated: Friday, July 09, 2010
Loan Type	Term	Variable APR*	Fixed APR*
Auto / Truck 2009-2010 Models	36 Month	4.20%	4.10%
	60 Month	4.70%	4.60%
	72 Month	5.70%	5.60%
Auto / Truck 2004-2008 Models	36 Month	4.70%	4.60%
	60 Month	5.45%	5.35%
Auto / Truck 2002-2003 Models	48 Month	6.95%	7.00%
	36 Month	6.45%	6.50%
Recreational Vehicles - New	84 Month***	7.10%	7.35%
	120 Month***	8.00%	8.25%
Recreational Vehicles - Used	48 Month	6.00%	6.25%
	60 Month***	7.10%	7.35%
	84 Month***	7.50%	7.75%
Personal Loans
Last Updated: Friday, January 01, 2010
Loan Type	Term	Variable APR*	Fixed APR*
Unsecured Loan	60 Months	10.00%	10.25%
Visa Platinum Rewards Card	Revolving	N/A	7.90% to 17.90%
Share / Certificate Secured
Last Updated: Friday, January 01, 2010
Loan Type	Term	Variable APR*	Fixed APR*
Certificated Secured Loan	Maximum Term is Certificate Maturity Date (with up to 60 months repayment calculation)	N/A	APY + 3.00%, 5% floor

• Loans are subject to credit approval.
• *All rates are determined by creditworthiness and may vary from those shown.
• ** Maximum term on Home Equity Loans is 120 months. Rate varies per LTV. 
• *** Term not available for motorcycles or snowmobiles. 

Rates are shown "as low as." Fixed rates are with the full relationship discount. How you can qualify:

Receive .50% off with any two of the following:

-0.25% New or existing GHS VISA Classic ($1000 min) or VISA Platinum ($3000 min)
-0.25% Automatic monthly payment from GHS checking/savings/payroll
-0.25% Credit Life & Disability Insurance 
-0.25% New GHS Checking Acct. with Debit Card 

Receive .25% off with new or existing direct deposit

Lines of Credit, Overdraft Protection, 90 day notes, Mortgages, and Home Equity LOC are not eligible for relationship discounts.