Phone: (401) 739-4600 or (866) 739-9121 | Routing Number: 211590671

Loan Products

Loan Products

Mortgage Loans

Loan Type1RateAPR2Estimated Payment3
10 years Fixed2.875%3.053% $9.60
15 years Fixed3.000%3.124%$6.91
20 years Fixed3.250%3.348%$5.67
30 years Fixed3.375%3.446%$4.42
5/1 ARM43.500%3.166%$4.49
7/1 ARM43.500%3.236%$4.49
10/1 ARM43.625%3.402%$4.56
1 Offer based on individuals credit worthiness and subject to loan to value (LTV) of 60% and a minimum credit score of 740. Offer limited to single-family, owner-occupied primary residence properties up to a maximum loan of $510,400. Property insurance (and flood insurance, if applicable) are required. Offer and rate is subject to change at any time without notice. Other terms and conditions may apply. Other rates and terms are be available.
2 Annual Percentage Rates are effective as of 09/04/2020. Rates and fees disclosed are for loans that meet above referenced underwriting guidelines, additional rates and fees may apply for loans outside of these guidelines.
3 Estimated payment per $1000 financed includes loan principal and interest. If an escrow account for taxes and insurance is required, total payment may be higher.
4 All ARM products reprice at 2.75% (margin) above the one-year treasury rate (index).

APR=Annual Percentage Rate, subject to change at any time.

Auto Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
2018 - 202036 Months
48 Months
63 Months
66 Months
75 Months
2.39%*
2.64%*
2.89%*
3.24%*
3.40%*
$1,000.00Yes
2016 – 201736 Months
48 Months
63 Months
66 Months
75 Months
2.90%*
3.15%*
3.40%*
3.64%*
3.89%*
$1,000.00Yes
2014 – 201536 Months
48 Months
63 Months
72 Months
3.40%*
3.65%*
3.89%*
4.89%*
$1,000.00Yes
2012 – 201336 Months
48 Months
60 Months
4.40%*
4.64%*
5.64%*
$1,000.00Yes
2010 - 201136 Months
48 Months
6.64%*
7.64%*
$1,000.00Yes

Motorcycle Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
2018 - 202036 Months
60 Months
72 Months
3.89%*
4.39%*
4.89%*
$1,000.00Yes
2016 – 201736 Months
60 Months
72 Months
4.39%*
4.89%*
5.39%*
$1,000.00Yes
2014 – 201536 Months
60 Months
4.89%*
5.39%*
$1,000.00Yes
2012 – 201336 Months
60 Months
5.89%*
6.89%*
$1,000.00Yes
2010 - 201136 Months
48 Months
6.89%*
7.89%*
$1,000.00Yes

Equity Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
Equity Line of Credit120 Months2.49%**$10,000.00Yes
Fixed Equity Loan60 Months
3.99%*
$10,000.00
Yes
120 Months4.24%***$10,000.00Yes
180 Months4.49%***$10,000.00Yes
240 Months4.74%***$10,000.00Yes

Other Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
Overdraft LoanN/A15.25%Up to $10,000.00
CD Secured LoanUp to 60 Months3.00% Above CD Rate100% of loan amount held against account
Share Secured LoanUp to 60 Months5.00%100% of loan amount held against account
Residential MortgagesPlease contact us for current rates at 401-562-2729Yes
Commercial MortgagesPlease contact us for current rates at 401-562-2784

VISA Rates

Card TypeRateApply Online
VISA Classic
14.9%
Yes
VISA Gold
9.9%
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 “Annual Percentage Rate (APR) of 2.49% is the lowest available and is fixed for the first 12 months. Offer based on individuals credit worthiness and subject to loan to value (LTV) of 80% and a minimum credit score of 680. After the initial 12 month billing cycles, the rate automatically reverts to a variable rate of interest as low as Prime minus 0.50% as published in the Wall Street Journal 30 days before the date of any rate adjustment. Offer limited to 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance, if applicable) are required. Offer and rate is subject to change at any time without notice. Other terms and restrictions may apply. APR will not exceed 18%. If Home Equity Line of Credit is paid in full and closed within twelve (12) months from the opening date, a prepayment penalty may apply. RI: up to but not to exceed 2% of the balance due at time of payoff; MA: remaining balance of first year’s interest or amount equal to last 3 months’ interest; whichever is less. Existing GCU Home Equity Lines Credit are not eligible for refinance with this promotion. Other rates and terms are available. Inquire for full details

***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.