Why Choose GHS Federal Credit Union for your Personal Loan?

We help you when you need money and need it quickly.

Life is full of challenges. Achieving your personal goals at a good rate shouldn’t be one of them. We help you make financial decisions that meet your financial needs. Without outrageous rates and unaffordable terms.

  • Need to pay your tax bill?
  • Want to consolidate those high-interest credit card balances?
  • Do you need to finance an unexpected or emergency expense?
  • Planning a wedding or much needed vacation?

A personal loan from GHS helps you achieve your financial goals and helps you get out of debt

Get To Know GHS Federal Credit Union

GHS Federal Credit Union has served the local community for over 70 years with lending options, banking services, and quality financial assistance when you need it most. Serving Broome, Chenango, and Tioga Counties in New York, we ensure quality customer service and comprehensive solutions to your financial goals.

Become a GHS Federal Credit Union member.

Loans with added peace of mind

Credit life insurance and credit disability insurance are also available on GHS Federal Credit Union personal loans. These policies pay on your loan should you die or become disabled.

Why Consider A Personal Loan?

When you use a personal loan responsibly, it can be a smart and highly cost-effective way to secure credit. That’s because the interest rate on a GHS Federal Credit Union personal loan is typically less than on a credit card. This allows you to achieve personal goals without risking financial trouble.

Low Fixed Rate Terms

Qualify for the lowest rate and start saving. GHS personal loans come with a low fixed rate and terms of up to 60 months. So you can better budget your payments – while making the purchases you’ve planned for (or the unexpected ones).

DO NOT USE - Personal Loan Rates

Loan TypeTerm (Approximate)Non-Variable APR*
Unsecured Loansto 36 months6.75%
48 months6.75%
60 months7.00%

*APR = Annual Percentage Rate. Rate shown is “as low as.” 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. Minimum loan amount is $500.00. Some restrictions may apply. Rates and terms are subject to change.

Unlimited Possibilities For Achieving Personal Goals

When the time comes to plan a vacation or pay off existing student debt, perhaps even fill the gap with monthly bills, you want to ensure that you’re able to keep up with the rates and terms without falling short.

With GHS Federal Credit Union, you can rest assured that your financial goals can be reached without breaking the bank.

Personal loans can be used for the following, and more:

  • Planning a family vacation
  • Small business investment
  • Home improvements
  • Planning a wedding
  • Consolidating debts
  • Paying college tuition
  • Outstanding medical expenses

When you’re in need of a little bit of cash fast, we can help. Whether your financial goals are relatively simple or you need long-term assistance, you can count on an affordable personal loan from GHS FCU.