Rates

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

Loan Interest Rates

GHCU PRIME RATE  3.70%

Variable Car Loan Rates

Type Rate
New Cars 4.25%
Used Cars 5.25%

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%-10.70%
Consolidation (variable only)
11.20%
Fully Secured by Savings 3.70%
Fully Secured Other (to be determined upon application minimum of 4.70%)
RRSP Catch Up Loan
Variable Rate- 4.25%; Fixed Rate 5.00%

Personal Line of Credit

Type Rate
RRSP Line of Credit
4.25% (if RRSP deposit here)
Christmas Line of Credit
5.25% September to January
Student Line of Credit 5.00%
Home Improvement LOC 4.70%
Unsecured Line of Credit 10.70%
Secured Line of Credit 4.20%-10.70%
Unauthorized Overdrafts 19.75%

Personal Loans Fixed

Type Term Rate
General (any purpose) 1 Year 4.20-10.45%
2 Year 4.45-10.45%
3 Year 4.70-11.20%

Residential Mortgages

Type Term Rate
First Mortgage 1 Year Closed 4.05%
2 Year Closed 3.99%
3 Year Closed 4.49%
5 Year Closed 4.85%
1 Year Open 7.00%
Second Mortgage 1 Year Closed 5.05%
2 Year Closed 4.99%
3 Year Closed 5.49%
5 Year Closed 6.39%
1 Year Open 8.00%

Flex-Line Home Equity Line of Credit

Type Rate
First Mortgage
3.70%
Second Mortgage
4.70%

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 1.60 1.90 2.00 2.05 2.10
2 Year 1.85 2.15 2.25 2.35 2.45
3 Year 1.90 2.30 2.50 2.60 2.70
4 Year 2.35 2.65 2.75 2.85 2.95
5Year 2.50 2.90 3.00 3.10 3.20
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

2020 Loan Rebate 3% and Interest Bonus 3%