GHS TOP RATES
DO NOT USE - Personal Loan Rates
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Unsecured Loans | to 36 months | 6.75% |
| 48 months | 6.75% | |
| 60 months | 7.00% |
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.
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Auto/Truck 2020 or Newer Models | To 48 Months | 2.50% |
| 60 Month | 2.50% | |
| 72 - 84 Months | 3.75% | |
| Auto/Truck 2011–2019 Models | To 48 Months | 3.25% |
| 60 Month | 3.50% | |
| Up to 75 Months | 4.50% | |
| Recreational Vehicles: New 2018 or Newer | 60 Month*** | 2.75% |
| 144 Month*** | 4.79% | |
| Recreational Vehicles: Used 2010–2017 | 60 Month*** | 3.95% |
| 144 Month*** | 4.99% |
*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.
Home Equity Loans
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Home Equity Loans** | 60 Months | 2.75% |
| 120 Months | 3.25% | |
| 180 Months | 3.75% | |
| 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.
Real Estate Loans
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Mortgages | 15, 20, 30 Years | 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.
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) | APR + 3.00%, 5% floor |
*APR = 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.
Prime Shares, Special Shares, Holiday Club, Money Market Shares, Kids Klub Kash Accounts, IRA Shares and Kris Kringle are variable rate accounts and as such, subject to change. Dividend rates are anticipated rates based upon earnings. Rates are subject to change at any time. For further information about rates, applicable fees and terms, please contact GHS at (607) 723-7962. Early withdrawal penalties may be imposed on Term Share Accounts.
• Loans are subject to credit approval.
• All loan rates are determined by creditworthiness and may vary from those shown.
