GCU History

Greenwood Credit Union has a long history of providing high quality financial services to individuals and families throughout Warwick, Kent County, the State of Rhode Island and beyond.  Founded in 1948, Greenwood Credit Union has always shown a strong commitment to the financial well-being of the families, businesses and communities that we serve.

Over the years Greenwood Credit Union has shown steady positive growth and is now over $400 million in total assets and continuing to grow.  We have always strived to provide the highest interest rates to our depositors while maintaining extremely competitive rates on our loan products. This delicate balance has proved to be a key to the success of the credit union, not only financially but more importantly from a member satisfaction perspective.

Back to Top
Membership Info

Greenwood Credit Union membership is open to everyone. To become a member of Greenwood Credit Union and take advantage of all our great products and services you must open and maintain a Share Account with a minimum of a $5.00 balance.

Back to Top
Branch Locations and Hours of Operation
Greenwood Credit Union 2669 Post Road
Warwick, RI 02886 | map
Main Phone Number 401-739-4600
Toll Free Number 866-739-9121
Hours of Operation
Branch Lobby Hours
Monday – Wednesday 9:00 am – 4:00 pm
Thursday 9:00 am – 5:00 pm
Friday 9:00 am – 7:00 pm
Drive-Up Window Hours
Monday 8:00 am – 4:00 pm
Tuesday – Wednesday 9:00 am – 4:00 pm
Thursday 9:00 am – 5:00 pm
Friday 8:00 am – 7:00 pm
Back to Top
ATM Locations

Greenwood Credit Union has two ATM’s available on the premises at 2669 Post Road, Warwick, RI but understanding our member’s needs we are also part of an ATM network which provides free ATM access to all our members at many locations.  To see a listing of free ATM’s which you can use, please click here.

Back to Top
GCU News and Alerts


Consumers should be on Alert for Fraudulent NCUA Text Messages

ALEXANDRIA, Va. (Sept. 6, 2016) – The National Credit Union Administration has received additional consumer calls about suspicious text messages claiming to come from the agency.


The messages read: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.” Other fraudulent phone numbers to be alert for are 855-340-1398 and 844-906-0773. 


These texts are not communications from NCUA. The agency does not seek personal information through the internet or on the telephone.


Please contact NCUA's Consumer Assistance Center at 1-800-755-1030 between 8 a.m. and 5 p.m. Eastern if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement as well. 


You may also contact the Internet Crime Complaint Center, a partnership between the Federal Bureau of Investigation and the National White Collar Crime Center.


NCUA operates an online Fraud Prevention Center that offers information about avoiding frauds and scams on its MyCreditUnion.gov website.


If you suspect you may have become a victim of identity theft because of this scam, you should immediately contact the three major credit bureaus and request a fraud alert be placed on your credit report: Equifax (888-766-0008), Experian (888-397-3742), and TransUnion (800-680-7289).



Greenwood Credit Union on Discover RI

Discover Rhode Island is an ongoing television series showcasing the best of what Rhode Island has to offer.

Each thirty minute episode focuses on an individual Rhode Island city, town or area and highlights its history, attractions and tells the story of some the businesses and institutions that make every town in Rhode Island a special place.

In case you missed the episode where Greenwood Credit Union was highlighted or to see the episode again here is the link:  https://www.youtube.com/watch?v=2MfCOPiDp3s



Greenwood Credit Union Receives
National Recognition;
Members Benefits Outstanding Service Award

Warwick, RI—Warwick, RI-based Greenwood Credit Union (GCU) is proud to announce that it has been honored by the Credit Union National Association, Inc. (CUNA) for being among the nation’s best in providing direct financial benefits to members. “These benefits arise from GCU’s low loan interest rates, higher-than average deposit yields, and also from the practice of imposing fewer or lower fees compared to banking institutions, “ says Cheryl Sorenson, Manager, Conference and Meetings, CUNA Councils. According to CUNA estimates, based on information recently supplied by the GCU staff, Greenwood Credit Union delivers a direct benefit of $252 per member household.

Joe Lajoie, Chief Financial Officer for GCU, was on hand at the 2013 CFO Council Conference in Phoenix, to receive the Member Benefits Outstanding Service Award on behalf of Greenwood Credit Union, in recognition of this achievement.

“I always thought GCU did more for its members than any other financial institution, and it’s nice to have an independent validation from CUNA. We rank first among credit unions under $400 million, and we are proud of that record as well as of the recognition,” comments Mr. Lajoie.

(L-R); Accepting the Award at the Credit Union National Association (CUNA) Conference Luncheon on behalf of GCU, is Chief Financial Officer, Joe Lajoie, with Jeanne Sheahan, Director of Research Services, Credit Union National Association





New Year's Day*
1st day of January
  Sunday, January 1st
Martin Luther King Jr. Day
3rd Monday in January
  Monday, January 16th
Presidents’ Day
3rd Monday in February
  Monday, February 20th
Memorial Day
Last Monday of May
  Monday, May 29th
Independence Day
4th of July
  Tuesday, July 4th
Victory Day
2nd Monday in August
  Monday, August 14th
Labor Day
1st Monday in September
  Monday, September 4th
Columbus Day
2nd Monday in October
  Monday, October 9th
Veteran's Day**
November 11th
  Saturday, November 11th
Thanksgiving Day
4th Thursday in November
  Thursday, November 23rd
Christmas Day*
December 25th
  Monday, December 25th*

* When a legal holiday falls on a Sunday, it shall be observed on the day following.

** When a legal holiday falls on a Saturday it will be observed as a Floating Holiday.



Back to Top

GCU Alerts


FRAUD ALERT: Many Rhode Island residents are receiving fraudulent phone calls attempting to convince them their debit card has been compromised. The calls are random in nature and you may receive one whether you have a debit card or not. The key to recognizing it is bogus is that the caller will ask for the card number. No one connected to Greenwood Credit Union will ever ask you for your card number. If you receive a call of this nature, do not give them any information and contact us as soon as possible. Please note that this scam is not targeting Greenwood Credit Union members specifically. Other financial institutions are experiencing the same issue. If you have received this call and have provided your debit card number to the fraudsters, please immediately call our call center at 401-739-4600 to report the issue so that your card can be blocked and a new card issued.


Back to Top
GCU Newsletters

Message from the President. My first month at Greenwood Credit Union has been both hectic and rewarding. The people at GCU certainly live up to their reputation as warm, friendly and welcoming. My special thanks go out to retiring President, Jim Irving for all his help during my transition. His support, and the graciousness
extended to me by both the employees and GCU’s board of directors, has made me feel comfortable and welcome.

Click here to read more or download our Winter 2016 newsletter

Fall 2015

Message from the President.This will be my last newsletter message. I have officially announced that I will be retiring very shortly after more than eleven years serving as your President and CEO. The search for a new president is complete and I am pleased to announce that Fred Reinhardt, currently the Chief Lending Officer at Navigant Credit Union, has been chosen to succeed me.

Click here to read more or download our Fall 2016 newsletter

Newsletter Summer 2016

Message from the President. GCU Receives “Best Places to Work” Award. We’re especially proud of this award because it is based on our employees who voted for us! We also won in 2014! And, at the Awards dinner, held at the Crowne Plaza on June 16 GCU took home the “Spirit Award.” Interest rates, Interest rates, Interest rates, that still remains a big question mark. It appears that
the Federal Open Market Committee may delay another interest rate hike for the rest of the year.

Click here to read more or download our Summer 2016 newsletter

Message from the President. Spring is here and with it brings a focus on new ideas and improvements. At GCU, soon there will be a new, responsive website, and a long-awaited launch of email campaigns. There also will be new loan products, a few fund-raising walks, bowl-a-thons, and candy sales to support worthwhile organizations.


Click here to read more or download our Spring 2016 newsletter

Back to Top
GCU Annual Report
Click here to read more or download our 2015 Annual Report
Back to Top

Employment Opportunities


Greenwood Credit Union is seeking an energetic and goal-oriented LOAN OPERATIONS SUPERVISOR

This position is primarily responsible for the proactive, efficient and effective management of all areas of loan operations including staff supervision, loan servicing, onboarding of new loans, loan reporting, various reconciliations, member support, loan file maintenance and retention, and loan origination systems updates according to established Credit Union policies, procedures, and legal and regulatory guidelines. Click here for more information.

Greenwood Credit Union is seeking an energetic and goal-oriented DEALER RELATIONSHIP SPECIALIST

This is full-time outside sales position is responsible for identifying and soliciting indirect business for the credit union by cultivating, maintaining and enhancing strong relationships with automobile/recreational vehicle dealers in the credit union’s field of membership while consistently meeting or exceeding the indirect lending growth goals. Click here for more information.

Greenwood Credit Union is seeking a full-time bilingual Member Service Representative

A Member Service Representative is responsible for serving as a liaison between the member and the Credit Union. Overall duties include opening new accounts, resolving issues, providing account information by phone or in person, as well as information on the full range of Credit Union products and services and professionally handle the member’s daily needs in accordance with established Credit Union policies, procedures, and legal and regulatory guidelines.. Click here for more information.

Greenwood Credit Union is seeking a full-time Loan Processor to support its high volume Indirect Lending department.

The Loan Processor is primarily responsible for performing specialized indirect loan processing and servicing tasks as well as a variety of loan related back office duties with focus on processing and funding consumer indirect auto loans originated through Greenwood Credit Union’s network of dealerships according to established Credit Union policies, procedures, and legal and regulatory guidelines. Click here for more information.

Greenwood Credit Union is seeking an enthusiastic and motivated full-time Deposit Operations Specialist

This position is primarily responsible for operational and service results for multiple departments and functions including member services, payment systems, plastic card and loan services to ensure the proper administration, operational processes and timely member service according to established Credit Union policies, standards, security procedures and legal and regulatory guidelines. Click here for more information. 

Greenwood Credit Union is seeking an experienced and motivated OUTSIDE MORTGAGE LOAN ORIGINATOR with proven independent sales skills to join the origination staff in focusing on marketing activities and promotional strategies to build on GCU’s successful multi state mortgage portfolio.

The mortgage loan originator is primarily responsible for producing FHA/VA and conventional residential mortgage loans as well as developing and maintaining relationships with realtors, builders, attorneys and other key individuals in the mortgage lending industry. Click here for more information. 

Greenwood Credit Union is an Equal Opportunity/Affirmative Action Employer and therefore provides equal employment and advancement opportunities to all employees and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

Back to Top
Routing and Transit Number

GCU Routing and Transit Number:  211590671


Back to Top