401-739-4600
866-739-9121
Greenwood Credit Union Rates   Effective Date 03/21/2017
Deposits
Deposit Account Minimum Balance to Earn APY Annual Percentage Yield (APY) Minimum to Open Open Online
Share 1 Savings $25.00 0.50% $5.00 Yes
Deposit Savings $1.00 0.50% $5.00 Yes
Vacation Club $1.00 0.50% $5.00 Yes
Holiday Club $1.00 0.50% $5.00 Yes
Absolutely Free Checking N/A N/A $5.00 Yes
Traditional Checking N/A N/A $5.00 Yes
Interest Checking $1,000.00 0.25% $5.00 Yes
Day to Day IRA Savings $100.00 0.50% $100.00 No

 

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Certificates of Deposit
Certificates of Deposit Interest Rate Annual Percentage Yield (APY) Minimum to Open Open Online
3 Month 0.50% 0.50% $1,000.00 Yes
6 Month 0.50% 0.50% $1,000.00 Yes
12 Month 0.75% 0.75% $1,000.00 Yes
15 Month 0.65% 0.65% $1,000.00 Yes
18 Month 0.90% 0.90% $1,000.00 Yes
24 Month 1.26% 1.27% $1,000.00 Yes
36 Month 1.49% 1.50% $1,000.00 Yes
48 Month 1.73% 1.75% $1,000.00 Yes
60 Month 2.08% 2.10% $1,000.00 Yes

 

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Loan Products
Loan Type Term Annual Percentage Rate (APR) Minimum Loan Amount Apply Online
Auto Loans        

2014 - 2017

Up to 72 Months

2.49%*

$1,000.00 Yes

2012 – 2013

Up to 72 Months

3.00%*

$1,000.00 Yes

2010 – 2011

Up to 72 Months

3.50%*

$1,000.00 Yes

2008 – 2009

Up to 60 Months

4.24%*

$1,000.00 Yes

2006 - 2007

Up to 48 Months

5.24%*

$1,000.00 Yes
Motorcycle Loans        

2014 - 2017

Up to 72 Months

3.24%*

$1,000.00 Yes

2012 – 2013

Up to 72 Months

3.74%*

$1,000.00 Yes

2010 – 2011

Up to 60 Months

4.24%*

$1,000.00 Yes

2008 – 2009

Up to 60 Months

5.24%*

$1,000.00 Yes

2006 - 2007

Up to 48 Months 6.24%* $1,000.00 Yes
Equity Line of Credit 60 Months 1.75%** $10,000.00 Yes
Fixed Equity Loan 60 Months 3.99%*** $10,000.00 Yes
  120 Months 4.24%*** $10,000.00 Yes
  180 Months 4.49%*** $10,000.00 Yes
  240 Months

4.74%*** $10,000.00 Yes
Personal Loan  

 

 
  12 Months 7.0%**** Up to $10,000.00 Yes
  24 Months

7.5%****

Up to $10,000.00 Yes
  36 Months

8.0%****

Up to $10,000.00 Yes
  48 Months

9.0%****

Up to $10,000.00 Yes
Overdraft Loan N/A 15.00% Up to $10,000.00  
CD Secured Loan Up to 60 Months 3.00% Above CD Rate 100% of loan amount held against account  
Share Secured Loan Up to 60 Months 5.00% 100% of loan amount held against account  
VISA Classic   14.9%   Yes
VISA Gold   9.9%   Yes
Residential Mortgages  

Please contact us for current rates at

401-562-2729

  Yes
Commercial Mortgages  

Please contact us for current rates at

401-562-2784

   
HEAT Loan   HEAT loan information Click Here   Yes

*Advertised Annual Percentage Rate(s) (APRs) are the lowest available. Interest rate will be determined by individual creditworthiness, term of loan and age of collateral.

**Advertised Introductory 1.75% APR is the lowest available and is fixed for the first 12 monthly billing cycles. After initial 12 monthly billing cycles, rate automatically reverts to a variable rate interest as low as Prime minus 0.50% as published by the Wall Street Journal 30 days before the date of any rate adjustment. Interest rate and maximum loan amount determined by individual creditworthiness and loan-to-value ratio. As of 3/17/2017 Prime Rate was 4.00%. Offer limited to 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Existing GCU home equity lines/loans are not eligible for refinance with this promotion. Other terms and rates are available. 

***Advertised APRs are the lowest available. Interest rate will be determined by individual creditworthiness. Rate includes a 0.25% discount for automatic payment from a GCU checking account.

****Advertised APRs are the lowest available. Interest rate will be determined by individual creditworthiness and term of loan.

 

 

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