Real Estate

Loan TypeTerm (Approximate)Non-Variable APR*
Mortgages15, 20, 30 YearsPlease call for rates.
Home Equity Loans**60 Months2.75%
120 Months4.50%
180 Months5.75%
Home Equity Lines of Credit20-Year Repayment Period/5-Year DrawPlease call for rates.

APR = Annual Percentage Rate. Rates are shown “as low as”. Rates and terms are subject to change. Contact a GHS Federal Credit Union representative by stopping in or call (607) 723-7962 or toll free at (800) 732-4447 for the most current rates. The rate and term may vary depending on each individual’s credit history and underwriting factors. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.


 

Auto/Truck/Recreational Vehicles

Loan TypeTerm (Approximate)Non-Variable APR*
Auto/Truck 2012 or Newer Models36 Month1.90%
60 Month2.40%
72 Month2.40%
Auto/Truck 2008–2011 Models36 Month2.20%
60 Month2.70%
Auto/Truck 2005–2007 Models36 Month4.30%
48 Month4.80%
Recreational Vehicles: New 2012 or Newer84 Month***5.04%
120 Month***5.04%
Recreational Vehicles: Used 2005–201148 Month4.20%
60 Month***4.20%
84 Month***5.24%

APR = Annual Percentage Rate. Rates are shown “as low as”. Rates and terms are subject to change. Contact a GHS Federal Credit Union representative by stopping in or call (607) 723-7962 or toll free at (800) 732-4447 for the most current rates. The rate and term may vary depending on each individual’s credit history and underwriting factors. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.


 

Personal Loans

Loan TypeTerm (Approximate)Non-Variable APR*
Unsecured Loans60 Months5.00%
Visa® Platinum Rewards CardsRevolving7.90% to 17.90%

APR = Annual Percentage Rate. Rates are shown “as low as”. Rates and terms are subject to change. Contact a GHS Federal Credit Union representative by stopping in or call (607) 723-7962 or toll free at (800) 732-4447 for the most current rates. The rate and term may vary depending on each individual’s credit history and underwriting factors. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.


 

Share/Certificate Secured

Loan TypeTerm (Approximate)Non-Variable APR*
Certificated Secured LoansMaximum Term is Certificate Maturity Date (with up to 60-month repayment calculation)APY + 3.00%, 5% floor

APY = Annual Percentage Yield. Rates are subject to change at any time. For further information about rates, applicable fees and terms, please contact GHS at (607) 723-7962 or toll free at (800) 732-4447. Early withdrawal penalties may be imposed on Term Share Accounts. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.



• Loans are subject to credit approval.
• All rates are determined by creditworthiness and may vary from those shown.