LOAN RATES

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 2018 or Newer ModelsTo 48 Months2.75%
60 Month2.75%
72 - 84 Months4.49%
Auto/Truck 2009–2017 ModelsTo 48 Months3.50%
60 Month3.75%
72 - 84 Months5.00%
Recreational Vehicles: New 2016
or Newer
60 Month***2.75%
144 Month***4.79%
Recreational Vehicles: Used 2010–201560 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 TypeTerm (Approximate)Non-Variable APR*
Unsecured Loansto 36 months6.50%
48 months6.50%
60 months6.75%

*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 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.

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

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