Term Share Accounts
| Term | Regular Account | IRA Account | Dividend Rate | APY |
|---|---|---|---|---|
| Minimum Opening Deposit | Minimum Opening Deposit | |||
| 3 Month | $500.00 | N/A | 0.50% | 0.50% |
| 6 Month | $500.00 | N/A | 0.70% | 0.70% |
| 9 Month | $500.00 | N/A | 0.85% | 0.85% |
| 12 Month | $500.00 | $500.00 | 1.00% | 1.00% |
| 13 Month Plus | $500.00 | $500.00 | 1.05% | 1.05% |
| 18 Month | $500.00 | $500.00 | 1.20% | 1.20% |
| 24 Month | $500.00 | $500.00 | 1.40% | 1.40% |
| 25 Month Plus | $500.00 | $500.00 | 1.45% | 1.45% |
| 30 Month | $500.00 | $500.00 | 1.70% | 1.70% |
| 36 Month | $500.00 | $500.00 | 1.79% | 1.80% |
| 48 Month | $500.00 | $500.00 | 1.98% | 2.00% |
| 60 Month | $500.00 | $500.00 | 2.18% | 2.20% |
Last Updated: February 14, 2018 9:38 AM
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.
Deposit Account Rates
| Account Type | Min. Avg. Daily Balance | Dividend Rate | APY |
|---|---|---|---|
| Primary Shares/Special Shares | $100.00 | 0.10% | 0.10% |
| Holiday Club | $100.00 | 0.10% | 0.10% |
| Money Market Savings | $2,500.00 | 0.10% | 0.10% |
| Money Market Plus | $10,000.00−$24,999.99 | 0.20% | 0.20% |
| $25,000.00−$49,999.99 | 0.40% | 0.40% | |
| $50,000.00 + | 0.60% | 0.60% | |
| Youth Piggy Savers Account & Kris Kringle | $5.00 | 0.10% | 0.10% |
| IRA Shares | $100.00 | 0.10% | 0.10% |
Last Updated: February 14, 2018 9:40 AM
Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.
Checking Account Rates
| Account Type | Min. Avg. Daily Balance | Dividend Rate | APY |
|---|---|---|---|
| VIP Free Checking | $0 | 0.10% | 0.10% |
| 50+ Free Checking | $0 | 0.10% | 0.10% |
| Premier Yield Checking | $0−$1499.99 | 0.10% | 0.10% |
| $1500 | 0.25% | 0.25% | |
| Premier Yield Business Checking | $0−$1499.99 | 0.10% | 0.10% |
| $1500 | 0.25% | 0.25% |
Last Updated: February 14, 2018 9:40 AM
Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee. $50 minimum to open a brand new checking account. Dividend earning account rates subject to change.
Real Estate
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Mortgages | 15, 20, 30 Years | Please call for rates. 800-732-4447 |
| Home Equity Loans** | 60 Months | 3.00% |
| 120 Months | 4.25% | |
| 180 Months | 4.50% | |
| Home Equity Lines of Credit | 20-Year Repayment Period/5-Year Draw | Please call for rates. 800-732-4447 |
Last Updated: February 14, 2018 9:40 AM
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.
Auto, Truck, Recreational Vehicles
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Auto/Truck 2018 or Newer Models | To 48 Months | 2.75% |
| 60 Month | 2.75% | |
| 72 - 84 Months | 3.74% | |
| Auto/Truck 2009–2017 Models | To 48 Months | 3.50% |
| 60 Month | 3.75% | |
| 72 - 84 Months | 4.24% | |
| Recreational Vehicles: New 2016 or Newer | 60 Month*** | 2.75% |
| 144 Month*** | 4.79% | |
| Recreational Vehicles: Used 2010–2015 | 60 Month*** | 3.95% |
| 144 Month*** | 4.99% |
Last Updated: March 1, 2018 3:42 PM
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.
Personal Loan Rates
| Loan Type | Term (Approximate) | Non-Variable APR* |
|---|---|---|
| Unsecured Loans | to 36 months | 6.50% |
| 48 months | 6.50% | |
| 60 months | 6.75% |
Last Updated: February 14, 2018 9:41 AM
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) | APY + 3.00%, 5% floor |
Last Updated: February 14, 2018 9:41 AM
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.
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.
