GHS TOP RATES

Personal Loan Rates

Loan TypeTerm (Approximate)Non-Variable APR*
Unsecured Loansto 36 months6.75%
48 months6.75%
60 months7.00%

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.

Auto, Truck, Recreational Vehicles

Loan TypeTerm (Approximate)Non-Variable APR*
Auto/Truck 2019 or Newer ModelsTo 48 Months2.50%
60 Month2.50%
72 - 84 Months3.74%
Auto/Truck 2010–2018 ModelsTo 48 Months3.25%
60 Month3.50%
Up to 75 Months4.49%
Recreational Vehicles: New 2017
or Newer
60 Month***2.75%
144 Month***4.79%
Recreational Vehicles: Used 2011–201660 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 TypeTerm (Approximate)Non-Variable APR*
Home Equity Loans**60 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.

fa-

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.