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

With more than 70-years of serving the community with lending options and banking services, we’re proud to offer 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).

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 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.

Additional Personal Lending Services

As a GHS FCU member, you’re able to enjoy many lending benefits and financial solutions, including:

VISA Credit Cards

Our VISA Platinum Credit Card offers a 0% APR introductory rate with no annual fees and the opportunity to earn VISA Dream Points when you sign up. What better way to purchase the things you need while getting rewarded for spending?

Home Equity Loans

Get the most equity from your home by applying for a Home Equity Loan from GHS FCU. These loans offer competitive interest rates with same day pre-qualification in order to finance major expenses.

Mortgages

Searching for the perfect home for your family but need a little help getting there? From first-time homeowners to seasoned buyers, we have various mortgage options to suit your financial needs.

Auto Loans

When you want to find a better ride, don’t let lack of funds stop you from achieving your goal. Our low APR with flexible terms ensures that you’re able to drive away in your dream car with budget-friendly monthly payments to keep you on the right track.

Find the right lending options to take your financial situation to the next level.

Personal Loans Made Easy

At GHS Federal Credit Union, we offer competitive rates with flexible terms and conditions to help you reach important financial milestones.

  • 6.50% non-variable APR*
  • Loan terms from 36 months to 60 months
  • Financial guidance and support
  • Financial peace of mind

Meeting Financial Goals With Flexible Loan Options

Whether you need quick cash to consolidate outstanding debt or you’re planning the vacation of a lifetime, we can help you achieve your goals the responsible way. Get the most out of life and fulfill your financial needs with an affordable personal loan from GHS Federal Credit Union.

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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.

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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.

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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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