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 2017 or Newer Models | To 48 Months | 2.75% |
| 60 Month | 2.90% | |
| 72 - 84 Months | 3.50% | |
| Auto/Truck 2008–2016 Models | To 48 Months | 3.75% |
| 60 Month | 3.85% | |
| 72 - 84 Months | 4.25% | |
| Recreational Vehicles: New 2015 or Newer | 60 Month*** | 3.00% |
| 144 Month*** | 5.04% | |
| Recreational Vehicles: Used 2009–2014 | 60 Month*** | 4.20% |
| 144 Month*** | 5.24% |
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 Loans
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Unsecured Loans | to 36 months | 5.50% |
| 48 months | 6.50% | |
| 60 months | 7.00% | |
| Visa® Platinum Rewards Cards | Revolving | 7.90% to 17.90% |
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.
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.
