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Printable Rates Page  
 

 Prime Rate = 4.00%

 

 

 

 

CURRENT RATES

Description Dividend Rate APY*
Regular Shares .100 .100
Christmas Club .100 .100
Vacation Club .100 .100
Share Draft 0.000 0.000
IRA .100 .100
Share Secured Loan 4.500 Fixed  4.50%
Overdraft Protection 15.000 Fixed

 15%

 $500.00 minimum to earn dividends

on Regular Shares

   

 

CERTIFICATE RATES

Time Dividend Rate APY*
90 Days 0.175% .175%
6 Months 0.200% .200%
1 Year 0.350%

.351%

18 Month 0.350% .3511%
2 Year 0.50% .501%
3 Year 0.75% 0.753%
4 Year  1.00% 1.005%
5 Year  1.40% 1.409% 

$1000.00 Minimum amount to open certificate cannot add to certificate once established, rate does not change for term of certificate.
Rates Subject to Change without notice

Minimum applies. Early withdrawals on Share Certificates with terms less than 12 months will incur a penalty of 90 days of dividends, whether earned or not.  Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not.  GHAFCU. Offer may be withdrawn without notice


MONEY MARKET ACCOUNTS
Balance Dividend Rate APY*
$2,500 to $9,999 0.10% 0.100%
$10,000 - $ 24,999 0.15% 0.150%
$25,000 - $49,999 0.20% 0.200%
$50,000 - $74,999 0.20% 0.200%
 $75,000 and over 0.20% 0.200%
 

RISK-BASED LOAN RATES

UNSECURED LOAN PRICES
Fair Isaac Scores Rate Unsecured Loan Rates
730 + A+ 8.95%
680-729 A 9.95%
640-679 B 11.95%
600-639 C 13.95%
550-599 D 17.95%
549 or less E 17.95%

 
VEHICLE LOAN PRICING  
Fair Issaac Rate 24-48 Mo 60 Mo 72 Mo  84 Mo
730+ A+ 2.75% 3.00% 3.25%  3.50%
680-729 A 3.25% 3.50% 4.00%  4.25%
640-679 B 4.25% 4.50% 4.75%  
600-639 C 6.00% 6.00% 6.25%  
550-599 D 9.00% 9.25%    
549 or Less E 13.00% 13.25%    

 

HOME EQUITY LOAN PRICING**

Fair Isaac Scores Rate 80% 90% 100%
730+ A+ Prime (-) .5% (+) .5% (+) 1.5%
680-729 A Prime (+) 1% (+) 2%
640-679 B Prime (+) 1% (+) 2% (+) 3%
600-639 C Prime (+) 2% (+) 3%  
550-599 D Prime (+) 3% (+) 4%  
549< E Prime (+) 4%    

** Credit Union pays for $600.00 of closing cost Loans up to $200,000.00 Loan to Value up to 80%
** The Credit Union rates are subject to our floor for Home Equity loans of 3.95%
** Member Pays Closing Cost Back if Loan is paid off within  1 year

FIXED RATE HOME EQUITY  PRICING
Fair Issaac Rate 0-60 Mo 61 - 120 Mo 121- 180 Mo
730+ A+ 3.75% 4.25% 4.75%
680-729 A 4.25% 4.75% 5.50%
640-679 B 5.25% 5.75% 6.25%
600-639 C 7.00% 7.25%

8.25%

550-599 D 9.25%

10.25%

11.25%
549 or Less E 13.25% 13.25% 13.25%

** Credit Union pays for $600.00 of closing cost.
** Loans up to $200,000.00 LTV 80%
** Member Pays Closing Cost Back if Loan is paid off within  1 year

VISA LOANS
Fair Isaac Scores Rate Visa Loan Rates
730+ A+ 8.95%
680-729 A 9.95%
640-679 B 11.90%
600-639 C 13.95%
550-or Less D & E 17.95%

* APY = ANNUAL PERCENTAGE YIELD
* APR = ANNUAL PERCENTAGE RATE

DISCLOSURES