Rates
Please click on the links below to view the GHCU rates.
Loan Interest Rates
GHCU PRIME RATE 3.45%
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)
|
4.45-10.45% |
Consolidation (variable only)
|
10.95% |
Fully Secured by Savings |
3.45% |
Fully Secured Other |
(to be determined upon application minimum of 4.45%) |
RRSP Catch Up Loan
|
Variable Rate- 4.00%; Fixed Rate 4.50% |
Personal Line of Credit
Type |
Rate |
RRSP Line of Credit
|
4.00% (if RRSP deposit here) |
Christmas Line of Credit
|
5.25% September to January |
Student Line of Credit |
4.75% |
Home Improvement LOC |
4.45% |
Unsecured Line of Credit |
10.45% |
Secured Line of Credit |
3.95–10.45% |
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 |
5.70-11.20% |
Residential Mortgages
Type |
Term |
Rate |
First Mortgage |
1 Year Closed |
3.55% |
2 Year Closed |
3.60% |
3 Year Closed |
2.89%* |
5 Year Closed |
2.99%* |
1 Year Open |
7.00% |
Second Mortgage |
1 Year Closed |
4.55% |
2 Year Closed |
4.60% |
3 Year Closed |
4.70% |
5 Year Closed |
4.90% |
1 Year Open |
8.00% |
*The 3 and 5 year Special Rate is for NEW and RENEWING first mortgages. This is a limited time offer that can be discontinued at any time at the discretion of GHCU Management.
Flex-Line Home Equity Line of Credit
Type |
Rate |
First Mortgage
|
3.45% |
Second Mortgage
|
4.45% |
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 |
1.05 |
1.10 |
1.15 |
1.20 |
1.25 |
2 Year |
1.15 |
1.20 |
1.25 |
1.30 |
1.35 |
3 Year |
1.25 |
1.30 |
1.35 |
1.40 |
1.50 |
4 Year |
1.50 |
1.60 |
1.65 |
1.70 |
1.75 |
5Year |
1.65 |
1.70 |
1.75 |
1.80 |
1.85 |
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
2019 Loan Rebate 3% and Interest Bonus 2%