Real Estate

Loan TypeTerm (Approximate)Non-Variable APR*
Mortgages15, 20, 30 YearsPlease call for rates.
800-732-4447
Home Equity Loans**60 Months3.00%
120 Months4.25%
180 Months4.50%
Home Equity Lines of Credit20-Year Repayment Period/5-Year DrawPlease call for rates.
800-732-4447

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 2013 or Newer Models36 Month2.15%
60 Month2.65%
72 Month2.65%
Auto/Truck 2009–2012 Models36 Month2.45%
60 Month2.95%
Auto/Truck 2006–2008 Models36 Month4.55%
48 Month5.05%
Recreational Vehicles: New 2013 or Newer84 Month***4.79%
120 Month***4.79%
Recreational Vehicles: Used 2006–201248 Month3.95%
60 Month***3.95%
84 Month***4.99%

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 Months6.75%
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.