Debt happens. ghs can help you move past it with support that starts today.


Debt is stressful, and we get that. Whether it’s credit cards, bills, or multiple loans, juggling payments can be overwhelming. We help you roll your debts into one, lower monthly payment with a customized personal loan or balance transfer credit card.

Debt consolidation isn’t just about numbers — it’s about reclaiming control. These are the benefits our members love most:

  • Lower your monthly payments

  • Improve your credit score*

  • Simplify your finances and budget

  • Work with a local, member-owned team

WE HELP MEMBERS WHEN THEY NEED MONEY, FAST AND EASILY.

A secured or unsecured personal loan from GHS Federal Credit Union enables you to reach your financial goals and helps you get out of debt. It’s easy to join GHS and secure the personal loan you need, and we’re open to everyone. Our motto is “Say YES to GHS” because we believe everyone has the right to financial freedom. Choose your personal loan option, apply in minutes online or in a branch, and start using your funds for whatever you need.

Qualify for the lowest rate and start saving every month. GHS personal loans come with a low fixed rate and terms of up to 60 months, so you can better budget your payments – while making the purchases you’ve planned for (or the unexpected ones).

TO REVIEW YOUR PERSONAL LOAN OPTIONS

Head over to our Personal Loans page to learn more about the loans we offer, current interest rates, and even a loan calculator to help determine what fits your budget best.

WE HELP MEMBERS TAKE CONTROL OF THEIR SPENDING.

A GHS Visa® Credit Card gives you the flexibility to manage your finances, pay down debt, and take on unexpected expenses — all with the support of your local credit union. It’s easy to join GHS and get the card you need, and we’re open to everyone. Our motto is “Say YES to GHS” because we believe in saying yes to second chances.

Start strong with a 0% APR introductory rate for the first six months so you can transfer balances, make purchases, and breathe easier while you get ahead. After that, enjoy a competitive fixed rate with no surprise fees and no gimmicks. Simplify your finances, consolidate high-interest debt, or finally make that important purchase. All while building your credit and confidence!

TO REVIEW OUR CREDIT CARD OPTION AND THE EASE OF 24/7 ACCESS TO YOUR ACCOUNT

Head over to our Credit Card Page to learn more about our introductory rate, Bill Pay, and financial blogs about credit card safety.

 

APR = Annual Percentage Rate. Rates are shown “as low as.” The rate and term may vary depending on each individual’s credit history and underwriting factors. All credit union loan rates, terms and conditions are subject to change at any time without advance notice. Refinancing of existing GHS FCU loans are not eligible. 0% APR introductory rate and then, 7.90% APR to 17.90% APR fixed rate after the first six months for a GHS Visa Credit Card. Minimum personal loan amount is $500.00. Improved credit scores is not a guarantee and is directly related to the financial behavior of the individual member. Credit Union Membership required with a $1.00 minimum deposit and a $1.00 membership fee. © GHS Federal Credit Union. All Rights Reserved.