Rates
Please click on the links below to view the GHCU rates.
Loan Interest Rates
GHCU PRIME RATE 3.95%
Variable Car Loan Rates
| Type |
Rate |
| New Cars |
4.50% |
| Used Cars |
5.50% |
Fixed Car Loan Rates
| Type |
Term |
Rate |
| New Cars |
1 Year |
5.00% |
| 2 Year |
5.75% |
| 3 Year |
6.25% |
| Used Cars |
1 Year |
6.50% |
| 2 Year |
7.50% |
| 3 Year |
8.25% |
Personal Loans Variable
| Type |
Rate |
General (any purpose)
|
4.70-10.50% |
Consolidation (variable only)
|
10.50% |
| Fully Secured by Savings |
3.95% |
| Fully Secured Other |
(to be determined upon application minimum of 4.50%) |
RRSP Catch Up Loan
|
Variable Rate- 4.50%; Fixed Rate -5% |
Personal Line of Credit
| Type |
Rate |
RRSP Line of Credit
|
4.50% (if RRSP deposit here) |
Christmas Line of Credit
|
5.75% September to January |
| Student Line of Credit |
5.25% |
| Home Improvement LOC |
4.95% |
| Unsecured Line of Credit |
10.50% |
| Secured Line of Credit |
7.25% – 10.25% |
| Unauthorized Overdrafts |
19.75% |
Personal Loans Fixed
| Type |
Term |
Rate |
| General (any purpose) |
1 Year |
4.75 – 10.50% |
| 2 Year |
5.00 – 10.75% |
| 3 Year |
5.25- 11.00% |
Residential Mortgages
| Type |
Term |
Rate |
| First Mortgage |
1 Year Closed |
4.00% |
| 2 Year Closed |
4.05% |
| 3 Year Closed |
4.10% |
| 5 Year Closed |
4.15% |
| 1 Year Open |
7.25% |
| Second Mortgage |
1 Year Closed |
5.10% |
| 2 Year Closed |
5.15% |
| 3 Year Closed |
5.20% |
| 5 Year Closed |
5.25% |
| 1 Year Open |
8.35% |
Flex-Line Home Equity Line of Credit
| Type |
Rate |
First Mortgage
|
3.95% |
Second Mortgage
|
4.95% |
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 and GIC Long Term Deposits
| Term |
$500 |
$10,000 |
$25,000 |
$50,000 |
$100,000 |
| 1 Year |
1.30 |
1.35 |
1.40 |
1.45 |
1.55 |
| 2 Year |
1.70 |
1.75 |
1.80 |
1.85 |
1.90 |
| 3 Year |
1.80 |
1.85 |
1.90 |
1.95 |
2.00 |
| 4 Year |
1.90 |
1.95 |
2.00 |
2.05 |
2.10 |
| 5Year |
2.05 |
2.10 |
2.15 |
2.20 |
2.25 |
| Interest is paid annually. |
Variable Rate RRSP / RRIF 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 |
Dividend, Bonus Interest and Loan Rebates
Declared on annual basis. 2018 GHCU Paid 2%
