LOAN RATES
Real Estate
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Mortgages | 15, 20, 30 Years | Please call for rates. 800-732-4447 |
| Home Equity Loans** | 60 Months | 3.00% |
| 120 Months | 4.25% | |
| 180 Months | 4.50% | |
| Home Equity Lines of Credit | 20-Year Repayment Period/5-Year Draw | Please 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 Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Auto/Truck 2018 or Newer Models | To 48 Months | 2.75% |
| 60 Month | 2.75% | |
| 72 - 84 Months | 4.49% | |
| Auto/Truck 2009–2017 Models | To 48 Months | 3.50% |
| 60 Month | 3.75% | |
| 72 - 84 Months | 5.00% | |
| Recreational Vehicles: New 2016 or Newer | 60 Month*** | 2.75% |
| 144 Month*** | 4.79% | |
| Recreational Vehicles: Used 2010–2015 | 60 Month*** | 3.95% |
| 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.
Personal Loan Rates
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Unsecured Loans | to 36 months | 6.50% |
| 48 months | 6.50% | |
| 60 months | 6.75% |
*APR = Annual Percentage Rate. Rate shown is “as low as.” All loans subject to credit approval. Rate and term to be determined based on credit worthiness. The rate will not increase while the plan is open. Refinancing of existing GHS FCU loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee. Some restrictions may apply. Rates and terms are subject to change.
Share Certificate Secured
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Certificated Secured Loans | Maximum 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.
