Rates

Please click on the links below to view the GHCU rates.

Loan Interest Rates

GHCU PRIME RATE  5.45%

Variable Car Loan Rates

Type Rate
New Cars 5.75%
Used Cars 6.75%

Fixed Car Loan Rates

Type Term Rate
New Cars 1 Year 6.00%
2 Year 6.75%
3 Year 7.25%
Used Cars 1 Year 7.50%
2 Year 8.25%
3 Year 9.25%

Personal Loans Variable

Type Rate
General (any purpose)
6.70%-10.70%
Consolidation (variable only)
11.20%
Fully Secured by Savings 5.45%
Fully Secured Other (to be determined upon application minimum of 6.45%)
RRSP Catch Up Loan
Variable Rate- 5.80%; Fixed Rate 6.55%

Personal Line of Credit

Type Rate
RRSP Line of Credit
5.80% (if RRSP deposit here)
Christmas Line of Credit
6.25% September to January
Student Line of Credit 6.25%
Home Improvement LOC 6.45%
Unsecured Line of Credit 11.70%
Secured Line of Credit 5.45%-10.70%
Unauthorized Overdrafts 19.75%

Personal Loans Fixed

Type Term Rate
General (any purpose) 1 Year 5.45-10.45%
2 Year 5.70-10.45%
3 Year 5.95-11.20%

Residential Mortgages

Type Term Rate
First Mortgage 1 Year Closed 5.10%
2 Year Closed 5.25%
3 Year Closed 5.30%
5 Year Closed 5.35%
1 Year Open 8.00%
Second Mortgage 1 Year Closed 6.10%
2 Year Closed 6.85%
3 Year Closed 7.00%
5 Year Closed 7.20%
1 Year Open 9.00%

Flex-Line Home Equity Line of Credit

Type Rate
First Mortgage
5.45%
Second Mortgage
6.45%

 

Deposit Interest Rates

Short Term Deposits

Term $5,000 $10,000 $25,000+
30 to 89 days
0.15 0.20 0.25
90 to 179 days
0.15 0.20 0.25
180 to 364 days 0.15 0.20 0.25

RRSP, RRIF, TFSA and GIC Long Term Deposits

Term $500 $10,000 $25,000 $50,000 $100,000
1 Year 3.45 3.55 3.65 3.70 3.75
2 Year 3.50 3.60 3.70 3.75 3.80
3 Year 3.60 3.70 3.80 3.85 3.90
4 Year 3.75 3.85 3.95 4.00 4.05
5Year 4.00 4.10 4.15 4.20 4.30
Interest is paid annually.

Variable Rate RRSP / RRIF/ TFSA Deposits

Factor Rate
Interest is paid semi-annually June and December 0.25%

Minimum Monthly Savings Account

Factor Rate
Interest is paid quarterly March, June, September, December 0.05%

Golden Age Savings Account

Factor Rate
Interest is paid quarterly March, June, September, December 0.15%

US Savings Account

Factor Rate
Interest is paid quarterly March, June, September, December 0.05%

Property Tax Savings Account

Factor Rate
Interest is paid quarterly March, June, September, December 0.05%

Chequing Account

Factor Rate
Non-interest bearing N/A