Refinance your auto loan and save with GHS Federal Credit Union! For a limited time, we’ll beat your current auto loan rate (down to 2% APR floor rate)*. If we can’t beat your rate, we’ll match your current rate and reduce it by .25% APR. Apply now and get your best rate with GHS Federal Credit Union!
Reduce your interest rate
Decrease Your Monthly Payment
Maintain Your Term and Stay On Track To Pay Off Your Loan
Apply Conveniently Online

Spend Less On Your Auto Loan

If you have an auto loan, you are eligible to apply to reduce your current interest rate and/or your term to reduce lower your monthly payment – and your overall cost of your vehicle.

Fast & Easy Application

Refinancing is fast and easy with GHS Federal Credit Union. Apply conveniently online now – it only takes a few minutes to complete. Already a member? Applying is easy through online or mobile banking! Rather speak with a loan officer? Visit one of our branch locations to work with a local lender. In most cases, once we have received all of the necessary information, you’ll find out on the next business day whether you’ve been approved!

Questions? We’ve Got Answers

When you become a member of GHS Federal Credit Union, you not only get incredible rates and offers on your loans and finances – you get a local team that understands your individual needs and is there with you through every step of your financial journey. Stop into a branch, or call us at 800-732-4444.


*APR = Annual Percentage Rate. Rates are shown “as low as”.

**Limited time offer valid for applications submitted between June 1, 2022 through July 31, 2022. 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. 2% APR floor rate on auto loans with GHS FCU. If GHS FCU cannot beat your rate, we will reduce that rate by .25% APR if you refinance with GHS FCU. 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 auto loans are not eligible. Some restrictions apply. Credit Union Membership required with $25 minimum deposit and $1.00 membership fee.

Refinancing Your Auto Loan Is Easy




Tell us about yourself and the vehicle that you would like to refinance, via the online form, calling one of our loan officers, or visiting one of our branches.



We’ll confirm the information and let you know if we require any additional documentation.



Once you are approved we’ll pay off your previous loan and help you transfer the title.