Why Choose GHS Federal Credit Union for your Personal Loan?

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

Our President and CEO Howie Meller gives you an idea of what you can expect when you come to GHS Federal Credit Union.


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


A personal loan from GHS Federal Credit Union can help achieve your financial goals and help you get out of debt.

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. Minimum loan amount is $500.00. Some restrictions may apply. Rates and terms are subject to change. 




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.


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. Learn more.


Low Fixed Rate Terms

Save with a low rate you can live with. 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).

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