Credit union · NCUA insured
GHS FCU Auto Loan Rates
Top CarrotGHS FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How GHS FCU’s auto loan rates compare
Compared with banks and credit unions near Binghamton, NY, where GHS FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GHS FCU
4.99%APR
- Terms
- up to 60 months
Auto/Truck Models 2024-2027
Lowest rate
Broadview Federal Credit Union
4.24%APR
- Terms
- up to 60 months
3rd-lowest rate
Empower Federal Credit Union
5.49%APR
- Terms
- 49–66 months
GHS FCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GHS FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto/Truck 2018 and Older
Rates shown as low as and vary based on creditworthiness and underwriting factors. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Rate shown reflects discount up to 0.50% (or 0.25% discount for automatic payments from a GHS account).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 10.50% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
| up to 60 months | 11.00% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
| 72–84 months | 11.25% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
Sources (1)
- ghsfcu.com/rates · captured Oct 7, 2026
Auto/Truck 2019-2023 Models
Rates shown as low as and vary based on creditworthiness and underwriting factors. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Rate shown reflects discount up to 0.50% (or 0.25% discount for automatic payments from a GHS account). GHS finances up to 110% to 125% of NADA retail value plus tax and title on new/late model vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
| up to 60 months | 6.50% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
| 72–84 months | 6.75% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
Auto/Truck Models 2024-2027
Rates shown as low as and vary based on creditworthiness and underwriting factors. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Rate shown reflects discount up to 0.50% (or 0.25% discount for automatic payments from a GHS account). GHS finances up to 110% to 125% of NADA retail value plus tax and title on new/late model vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
| up to 60 months | 4.99% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
| 72–84 months | 6.00% | Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. |
Who can join GHS FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, volunteers, or worships in Broome, Chemung, Chenango, Cortland, Delaware, Greene, Schoharie, Sullivan, Steuben, Tioga, and Tompkins Counties in New York, and Bradford, Susquehanna, and Tioga Counties in Pennsylvania is eligible for membership.
Family and household
- Individuals related (or directly related) to a member who meets eligibility requirements are eligible for membership.
Cost to join
- Credit union membership requires a $1.00 minimum deposit and a $1.00 membership fee.
Membership information collected October 5, 2026.