GHS TOP RATES

Interest-Bearing Checking Account Rates

Account TypeMin. Avg. Daily BalanceDividend RateAPY*
VIP Free Checking$00.05%0.05%
50+ Free Checking$00.05%0.05%
Premier Yield Checking$0−$1499.990.05%0.05%
$15000.10%0.10%
Premier Yield Business Checking$0−$1499.990.05%0.05%
$15000.10%0.10%

*APY = 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.

GHS Personal Loan Rates

Loan TypeTerm* (Approximate)Non-Variable APR with Rate discount up to .25%*
Unsecured Loans1 to 12 months6.50% - 18.00%
13 to 24 months6.50% - 18.00%
25 to 36 months6.50% - 18.00%
37 to 48 months6.50% - 18.00%
49 to 60 months6.75% - 18.00%

GHS Personal Loan Payment Example:
The payment on a $10,000 loan would be $196.83.80 by using the $19.68 per $1000 at a non-variable interest rate of 6.75% APR with a 60 month term.

*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.

Loan TypeTerm (Approximate)Non-Variable APR*
Rate shown as low as with discount up to .50%**
Auto/Truck 2020 or Newer ModelsTo 48 Months2.00%
60 Months2.00%
72 - 84 Months3.25%
Auto/Truck 2011–2019 ModelsTo 48 Months2.75%
60 Months3.00%
Up to 75 Months4.00%
Recreational Vehicles: New 2018
or Newer
60 Months***2.75%
144 Months***4.79%
Recreational Vehicles: Used 2010–201760 Months***3.95%
144 Months***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 TypeTerm (Approximate)Non-Variable APR*
Home Equity Loans**84 Months2.75%
120 Months3.25%
180 Months3.75%
Home Equity Lines of Credit20-Year Repayment Period/5-Year DrawPlease 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 TypeTerm (Approximate)Non-Variable APR*
Mortgages15, 20, 30 YearsPlease 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 TypeTerm (Approximate)Non-Variable APR*
Certificated Secured LoansMaximum 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.

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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.