GCU Rates

 

Certificate of Deposits

Certificates of Deposit	APY+	Minimum to Open	Open Online
3 Month	0.50%	$1,000.00	Yes
6 Month	0.50%	$1,000.00	Yes
12 Month	0.75%	$1,000.00	Yes
13 Month Renewal Only	0.50%	$1,000.00	Yes
15 Month	0.85%	$1,000.00	Yes
18 Month	0.80%	$1,000.00	Yes
24 Month	0.90%	$1,000.00	Yes
30 Month	0.95%	$1,000.00	Yes
36 Month	1.00%	$1,000.00	Yes
48 Month	1.00%	$1,000.00	Yes
60 Month	1.10%	$1,000.00	Yes

Deposit Accounts

Account	Minimum to Earn APY	APY+	Minimum to Open	Open Online
Share 1 Savings	$25.00	0.35%	$5.00	Yes
Deposit Savings	$1.00	0.25%	$5.00	Yes
Money Market Savings	$2,500.00-49,999.99 50,000.00-149,999.99 150,000.00 and over	0.35% 0.50% 0.75%	$2,500.00	Yes
Vacation Club	$1.00	0.25%	$5.00	Yes
Holiday Club	$1.00	0.25%	$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

Business Deposit Accounts

TYPE	MINIMUM BALANCE TO EARN APY	APY+	MINIMUM TO OPEN	OPEN ONLINE
Business Share Savings	$100.00	0.25%	$5.00	Not Available
Business Money Market	$2,500.00-24,999.99 25,000.00-99,999.99 100,000.00 and over	0.35% 0.50% 0.65%	$2,500.00	Not Available
Small Business Checking	N/A	0.00%	$25.00	Not Available
Business Relationship Checking	$100.00	0.25%	$100.00	Not Available

Personal Loan Rates

Loan Type	Term	APR*	Loan Amount	Apply Online
Personal Loan	Up to 12 Months	9.50% - 15.75% depending on credit score	Up to $10,000.00	Yes
	13 - 24 Months	10.00% - 16.75% depending on credit score	Up to $10,000.00	Yes
	25 - 36 Months	10.50% - 18.75% depending on credit score	Up to $10,000.00	Yes
	37 - 48 Months	11.50% - 18.75% depending on credit score	Up to $10,000.00	Yes

Auto Loans

Type	Term	APR*	Minimum Loan	Apply Online
2018 - 2020	36 Months 48 Months 63 Months 66 Months 75 Months	2.14%* 2.39%* 2.64%* 2.99%* 3.15%*	$1,000.00	Yes
2016 – 2017	36 Months 48 Months 63 Months 66 Months 75 Months	2.65%* 2.90%* 3.15%* 3.39%* 3.64%*	$1,000.00	Yes
2014 – 2015	36 Months 48 Months 63 Months 72 Months	3.40%* 3.65%* 3.89%* 4.89%*	$1,000.00	Yes
2012 – 2013	36 Months 48 Months 60 Months	4.40%* 4.64%* 5.64%*	$1,000.00	Yes
2010 - 2011	36 Months 48 Months	6.64%* 7.64%*	$1,000.00	Yes

Home Equity Loans/Lines of Credit

Type	Term	APR*	Minimum Loan	Apply Online
Equity Line of Credit	120 Months	2.49%**	$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

Miscellaneous Loans

Type	Term	APR*	Loan Amount	Apply Online
Overdraft Loan	N/A	15.25%	Up to $10,000.00
CD Secured	Up to 60 Months	3.00% Above CD Rate	100% of loan amount held against account
Share Secured	Up to 60 Months	5.00%	100% of loan amount held against account
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

Motorcycle Loans

Type	Term	APR*	Minimum Loan	Apply Online
2018 - 2020	36 Months 60 Months 72 Months	3.89%* 4.39%* 4.89%*	$1,000.00	Yes
2016 – 2017	36 Months 60 Months 72 Months	4.39%* 4.89%* 5.39%*	$1,000.00	Yes
2014 – 2015	36 Months 60 Months	4.89%* 5.39%*	$1,000.00	Yes
2012 – 2013	36 Months 60 Months	5.89%* 6.89%*	$1,000.00	Yes
2010 - 2011	36 Months 48 Months	6.89%* 7.89%*	$1,000.00	Yes

VISA

Card Type	Rate	Apply Online
VISA Classic	14.9%	Yes
VISA Gold	9.9%	Yes

Student Loan Refinance

TERM	5-Year	10-Year	15-Year
Fixed Rate* (with auto-pay)	3.49% - 6.14%	4.24% - 7.14%	4.74% - 7.64%
APR (7) (with auto-pay)	3.49% - 6.14%	4.24% - 7.14%	4.74% - 7.64%
Number of Payments	60	120	180
Upfront Fees	Zero	Zero	Zero
Monthly Payment Amount (based on $10,000 loan)	$182 - $194	$103 - $117	$78 - $94
Total Interest Charges (based on $10,000 loan)	$913 - $1,639	$2,287 - $4,020	$3,992 - $6,830

Student Loans

RISLA Student Loan - Immediate Repayment	RISLA Student Loan - Deferred Repayment	RISLA Parent Loan – Immediate Repayment
Low fixed rates Cosigner release program (1) Rewards for nurses (2) & interns (3) 0.25% rate reduction for automatic electronic payments No origination or other upfront fees Instant credit decisions No prepayment penalties	Payments deferred until student graduates or leaves school (4) Low fixed rates 0.25% rate reduction for automatic electronic payments No origination or other upfront fees Rewards for nurses (2) & interns (3) Cosigner release program (1) Instant credit decisions No prepayment penalties	Assist your child with paying for college with the RISLA Parent Loan Pay off early without penalty Instant credit decision 0.25% interest rate reduction for making monthly payments by auto-debit. No origination or other upfront fees Low fixed rates
To apply for an in-school state-based loan: Click here

Student Loan Fees

	RISLA Student Loan Immediate Repayment	RISLA Student Loan Deferred Repayment	RISLA Parent Loan Immediate Repayment
Borrower	Student and Cosigner	Student and Cosigner	Parent (and cosigner, if required)
Interest Rate with ACH (5)	3.99%	6.24%	5.24%
Fixed or Variable	Fixed	Fixed	Fixed
APR with ACH (6)	3.99%	6.02% - 6.18%	5.24%
Origination Fees	None	None	None
Standard Repayment Term	120 months	180 months	120 months
Est. Monthly Repayment per $10k Borrowed	$103	$99 - $109	$109
Repayment Start	15 days after final disbursement	6 months after student leaves school (3)	15 days after final disbursement

*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 2.49% 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 03/16/2020 Prime Rate is 3.25%. 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. An additional 0.25% discount is available 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.

+ APY =Annual Percentage Yield