Personal Loans

Why Choose GHS Federal Credit Union for your Personal Loan?

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

With GHS Federal Credit Union, you’ll make the right financial decisions to fulfill 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 home renovation or update?
  • Planning a wedding or much-needed vacation?​
  • Have an unexpected medical bill?

A personal loan from GHS Federal Credit Union enables you to reach your financial goals and help you get out of debt.

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.

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.

Low Fixed Rate Terms

Qualify for the lowest rate and start saving. GHS personal loans come with a low fixed rate and terms from 1 to 60 months. So you can better budget your payments – while making the purchases you’ve planned for (or the unexpected ones).

GHS Personal Loan Rates

Loan TypeTerm* (Approximate)Non-Variable APR**
Unsecured Loans1 to 12 months6.75% - 18.00%
13 to 24 months6.75% - 18.00%
25 to 36 months6.75% - 18.00%
37 to 48 months6.75% - 18.00%
49 to 60 months7.00% - 18.00%

GHS Personal Loan Payment Example
The payment on a $10,000 loan would be $196.80 per month by using the $19.68 per $1000 at a non-variable interest rate of 6.75% APR with a 60 month term. This equates to $11,808.00 over the life of the loan.

GHS FCU membership required with a $25 minimum deposit and $1.00 membership fee.

*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 6.75% APR up to 18% maximum APR. Discount up to .25% on APR may apply. 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.

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.

  • Rates from 6.75% to 18.00% non-variable APR* 
  • Flexible loan terms from 1 month and up to 60 months**
  • Financial guidance and support
  • Financial peace of mind

Meet Your 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.

*APR = Annual Percentage Rate. Rate shown is “as low as.” Rate range from 6.75% APR to 18% maximum APR. Discount up to .25% on APR may apply. 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.

**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.