Auto Loan Benefits

  • Comfortable terms to fit your budget. Spread your payments over 84 months. (That’s seven years!)
  • Select either variable or fixed monthly payments
  • No cash down! GHS provides up to 110% financing on new and late-model vehicles**
  • Refinance your existing auto loan with GHS Federal Credit Union LOW rates
  • Super low APR*

Auto and Truck Rates

Loan TypeTerm (Approximate)Non-Variable APR*
Auto/Truck 2018 or Newer ModelsTo 48 Months2.75%
60 Month2.75%
72 - 84 Months3.74%
Auto/Truck 2009–2017 ModelsTo 48 Months3.50%
60 Month3.75%
72 - 84 Months4.24%
144 Month***4.79%
144 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.

Switching gears?

We’re very competitive. Why should you pay more?

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As part of our growing financial family, you’ll discover why GHS is the absolute best place to finance your new or used vehicle – while always receiving the outstanding and knowledgeable service that you deserve. And there’s absolutely no need to be saddled with another lender’s costly payments. Refinance your non-GHS auto loan with us.***

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At GHS, we offer more than traditional auto loans. We can finance whatever moves you, including recreational vehicles like motorcycles, snowmobiles, campers and boats.

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*Annual Percentage Rate (APR). All loans are subject to credit approval. Rate and term to be determined based on creditworthiness. Rate includes full relationship discount. Refinancing of existing GHS loans does not qualify. Minimum loan amount is $500. GHS membership required with a $25 minimum deposit and $1 membership fee. Rates are subject to change.

**On new and late model vehicles, GHS will finance up to 110% of the NADA (National Automotive Dealer Association) retail value plus tax and title.

*** GHS’s normal underwriting and processing guidelines apply.

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