GHS TOP RATES
Share Certificate Rates - NEW Funds Only
| Term | Regular Account | Dividend Rate | APY* |
|---|---|---|---|
| Minimum Opening Deposit | |||
| 3 Month | $500.00 | 1.00% | 1.00% |
| 6 Month | $500.00 | 1.00% | 1.00% |
| 12 Month | $500.00 | 2.00% | 2.00% |
| 18 Month | $500.00 | 2.00% | 2.00% |
*APY = Annual Percentage Yield. GHS available funds do not qualify. Minimum of $500.00 to open for 12 mos. APY good for original term only, no renewals at this rate. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee. Offer good through December 31, 2019. For further information about rates, applicable fees and terms, please contact GHS at 607-723-7962 or toll free at 800-732-4447.
Money Market Rates
| Account Type | Min. Avg. Daily Balance | Dividend Rate | APY* |
|---|---|---|---|
| Money Market Savings | $2,500.00 | 0.50% | 0.50% |
| Money Market Plus | $10,000.00−$24,999.99 | 0.75% | 0.75% |
| $25,000.00−$49,999.99 | 0.90% | 0.90% | |
| $50,000.00 + | 1.00% | 1.00% |
*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.
Share Certificate Rates - NEW FUNDS EARN 2% FOR 12 MONTHS
| Term | Regular Account | IRA Account | Dividend Rate | APY* |
|---|---|---|---|---|
| Minimum Opening Deposit | Minimum Opening Deposit | |||
| 3 Month | $500.00 | N/A | 0.60% | 0.60% |
| 6 Month | $500.00 | N/A | 0.80% | 0.80% |
| 9 Month | $500.00 | N/A | 0.95% | 0.95% |
| 12 Month | $500.00 | $500.00 | 1.10% | 1.10% |
| 13 Month Plus | $500.00 | $500.00 | 1.15% | 1.15% |
| 18 Month | $500.00 | $500.00 | 1.30% | 1.30% |
| 24 Month | $500.00 | $500.00 | 1.50% | 1.50% |
| 25 Month Plus | $500.00 | $500.00 | 1.55% | 1.55% |
| 30 Month | $500.00 | $500.00 | 1.80% | 1.80% |
| 36 Month | $500.00 | $500.00 | 1.89% | 1.90% |
| 48 Month | $500.00 | $500.00 | 2.08% | 2.10% |
| 60 Month | $500.00 | $500.00 | 2.27% | 2.30% |
*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.
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% |
*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.
Savings 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% |
| Youth Savings Account & Kris Kringle | $5.00 | 0.10% | 0.10% |
| IRA Shares | $100.00 | 0.10% | 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.
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% |
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.
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 | 4.49% | |
| Auto/Truck 2009–2017 Models | To 48 Months | 3.50% |
| 60 Month | 3.75% | |
| Up to 75 Months | 5.00% | |
| 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% |
*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 | 3.00% |
| 120 Months | 4.50% | |
| 180 Months | 4.75% | |
| 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.
