We'll match your approved auto loan offer

and drop it by 0.50% APR*


Step into the ring and save.

Don’t just settle for a decent rate, knock it out.
At GHS Federal Credit Union, we’re going toe-to-toe with any approved auto loan offer you bring us, and taking it down by 0.50% APR*.

How It Works:

  1. Get pre-approved for an auto loan from another lender

  2. Bring us proof of your approved rate

  3. GHS matches it—then drops it by 0.50% APR

  4. Drive away with a better deal

No tricks. No hidden fees. Just a clean win for your wallet.

Loan Features

  • Rate match minus 0.50% APR is only available when GHS is presented with an approved auto loan rate offer from a financial institution other than GHS FCU.Rates below 5.5% APR are not available, and this rate is not guaranteed. Individual applications will be determined during the application process

  • LTV shall not exceed 125% of the vehicle’s value.

  • Maximum secured loan amount is $60,000, with a term of up to 84 months.

*Limited time offer through 12/31/2025. Term of up to 84 months; maximum secured loan amount is $60,000 and loan to value shall not exceed 125% of vehicle value. The annual percentage rate (APR) is the Credit Union’s standard rate. Rate may vary depending on each individual’s credit history and underwriting factors. Auto Loans will not be less than 5.5% APR. Auto Rate match minus 0.50% is only available when GHS is presented with an approved auto loan rate offer from a financial institution other than GHS FCU. All Credit Union loan programs, rates, terms, and conditions are subject to change. Rates are shown “as low as.” Credit Union Membership required with a $1.00 minimum deposit and a $1.00 membership fee. © GHS Federal Credit Union. All Rights Reserved.

 

FAQ

What is an approved auto loan rate offer?

In order to qualify for this auto rate match promotion, members will be required to show proof of an auto loan offer from another financial institution or car dealership, and that offer must include the APR interest rate.

Who is eligible for this promotion?

Members and non-Members alike are able to apply for this loan, however GHS membership with a $1.00 minimum deposit and a $1.00 membership fee is required in order for a new loan to be funded.

What is LTV?

LTV, or loan-to-value ratio, is a percentage that compares the amount of money being borrowed to the value of the collateral. Lenders use LTV ratios to assess a borrower's risk and determine eligibility for a loan, the size of the loan, and the interest rate. The 125% LTV assesses how much the loan can be funded for in correlation to the value of the vehicle. 

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