LOAN RATES

Real Estate

Loan TypeTerm (Approximate)Non-Variable APR*
Mortgages15, 20, 30 YearsPlease call for rates.
800-732-4447
Home Equity Loans**60 Months2.75%
120 Months3.25%
180 Months3.75%
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.

Loan TypeTerm (Approximate)Non-Variable APR*
Rate shown as low as with discount up to .50%**
Auto/Truck 2020 or Newer ModelsTo 48 Months2.00%
60 Months2.00%
72 - 84 Months3.25%
Auto/Truck 2011–2019 ModelsTo 48 Months2.75%
60 Months3.00%
Up to 75 Months4.00%
Recreational Vehicles: New 2018
or Newer
60 Months***2.75%
144 Months***4.79%
Recreational Vehicles: Used 2010–201760 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 TypeTerm* (Approximate)Non-Variable APR with Rate discount up to .25%*
Unsecured Loans1 to 12 months6.50% - 18.00%
13 to 24 months6.50% - 18.00%
25 to 36 months6.50% - 18.00%
37 to 48 months6.50% - 18.00%
49 to 60 months6.75% - 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 TypeTerm (Approximate)Non-Variable APR*
Certificated Secured LoansMaximum 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.

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