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 | 2.75% |
| 120 Months | 3.25% | |
| 180 Months | 3.75% | |
| 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.
| Loan Type | Term (Approximate) | Non-Variable APR* Rate shown as low as with discount up to .50%** |
|---|---|---|
| Auto/Truck 2020 or Newer Models | To 48 Months | 2.00% |
| 60 Months | 2.00% | |
| 72 - 84 Months | 3.25% | |
| Auto/Truck 2011–2019 Models | To 48 Months | 2.75% |
| 60 Months | 3.00% | |
| Up to 75 Months | 4.00% | |
| Recreational Vehicles: New 2018 or Newer | 60 Months*** | 2.75% |
| 144 Months*** | 4.79% | |
| Recreational Vehicles: Used 2010–2017 | 60 Months*** | 3.95% |
| 144 Months*** | 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.
**GHS members eligible for Auto Loan rate discount up to .50% for loans under 80% LTV with automatic payments from a GHS account.
***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 Personal Loan Rates
| Loan Type | Term* (Approximate) | Non-Variable APR with Rate discount up to .25%* |
|---|---|---|
| Unsecured Loans | 1 to 12 months | 6.50% - 18.00% |
| 13 to 24 months | 6.50% - 18.00% | |
| 25 to 36 months | 6.50% - 18.00% | |
| 37 to 48 months | 6.50% - 18.00% | |
| 49 to 60 months | 6.75% - 18.00% |
*Term range available from 1 month to 60 months. Minimum loan amount $500.00, max total unsecured aggregate up to $20,000 subject to credit approval. $50 minimum payment per month on all loans. Some restrictions may apply. Rates and terms are subject to change.
**APR = Annual Percentage Rate. Rate range from as low as 6.50% APR up to 18% maximum APR. As low as rate includes a .25% discount for members with automatic payments from a GHS account. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. 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) | APR + 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
