Same day pre-qualification

Fast closing

Low interest rates

Get A No Closing Cost Home Equity Loan!

Home Equity Financing Options

84 months

Term (Approximate)

Non-Variable APR*


120 months


180 months


Loan Type

Home Equity Loans


No Closing Cost Home Equity Loan

Tackle home renovations or consolidate debt without high interest rates and minimal fees.

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Apply Online

Home equity financing with added peace of mind.
If you so choose, credit life insurance and credit disability insurance are also available on GHS Home Equity Loans. These policies pay on your loan should you die or become disabled.
*APR = Annual Percentage Rate. Rates are shown “as low as”.

*Limited time offer valid for applications submitted between March 15, 2022 through May 31, 2022. 

Contact a GHS Federal Credit Union representative by stopping in or call (607) 723-7962 or toll free (800) 732-4447 for the most current rates. 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 notice. Refinancing of existing GHS FCU loans are not eligible. Some restrictions apply. Flood and/or property hazard insurance may be required. Credit Union Membership required with $25 minimum deposit and $1.00 membership fee.

Consolidate high rate bills

Remodel your home

Pay for your dream vacation

For a limited time get a Home Equity Loan with no closing costs, minimal fees and low, fixed rates designed to save you money!

Tackle renovations or home projects with cash your home gets you, or consolidate debt without ridiculous fees.

Same Day Pre-Qualification

Why Choose a Home Equity Loan?

Why Choose a Home Equity Loan

© GHS Federal Credit Union. All rights reserved

There is hidden money in your home that you can put to work. Turn that money into something you need now! 

Fixed Interest Rates As Low As 2.75% APR*

No Closing Costs**

Local Lender Support 

With a Home Equity Loan from GHS Federal Credit Union, you’ll get minimal fees and low, fixed interest rates. Whether you are planning a project at home or are looking to consolidate debt to avoid accrued interest, you’ll lock in a competitive rate that is typically lower than that of a credit card or personal loan. Best of all, GHS Federal Credit Union’s quick and easy online application will have you applying in minutes and our local expert lenders are on standby to get you approved with cash in your pocket. Learn the perks and apply now!

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Interested in a Home Equity Line of Credit?

Visit our website to learn more about our HELOC options.