Rates

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

Loan Interest Rates

GHCU PRIME RATEĀ  3.20%

Variable Car Loan Rates

Type Rate
New Cars 4.00%
Used Cars 5.00%

Fixed Car Loan Rates

Type Term Rate
New Cars 1 Year 4.50%
2 Year 5.25%
3 Year 5.75%
Used Cars 1 Year 6.00%
2 Year 7.00%
3 Year 7.75%

Personal Loans Variable

Type Rate
General (any purpose)
4.20% – 10.00%
Consolidation (variable only)
10.00%
Fully Secured by Savings 3.20%
Fully Secured Other (to be determined upon application minimum of 4%)

Personal Line of Credit

Type Rate
RRSP Line of Credit
4.00% (if RRSP deposit here)
Christmas Line of Credit
5.50% September to December
Student Line of Credit 5.00%
Home Improvement LOC 4.20%
Unsecured Line of Credit 10.00%
Secured Line of Credit 6.75% – 9.75%
Unauthorized Overdrafts 19.5%

Personal Loans Fixed

Type Term Rate
General (any purpose) 1 Year 4.25 – 10.25%
2 Year 4.50 – 10.50%
3 Year 4.75 – 10.75%

Residential Mortgages

Type Term Rate
First Mortgage 1 Year Closed 3.25%
2 Year Closed 3.40%
3 Year Closed 3.55%
5 Year Closed 3.80%
1 Year Open 5.00%
Second Mortgage 1 Year Closed 5.05%
2 Year Closed 5.40%
3 Year Closed 5.55%
1 Year Open 6.80%

Flex-Line Home Equity Line of Credit

Type Rate
First Mortgage
3.20%
Second Mortgage
4.20%

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 1.05 1.15 1.20 1.25 1.35
2 Year 1.15 1.25 1.35 1.40 1.50
3 Year 1.40 1.45 1.50 1.55 1.65
4 Year 1.50 1.55 1.60 1.65 1.75
5Year 1.75 1.80 1.85 1.90 2.00
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. 2016 GHCU Paid 5%