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RATES

Greenwood Credit Union Rates

Effective Date June 14, 2024

Certificate of Deposits and Individual Retirement Accounts

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Certificates of DepositRateAPY+Minimum to OpenOpen Online
3 Month0.50%0.50%$1,000.00Open Account
6 Month4.64%4.75%$1,000.00Open Account
9 Month5.35%5.50%$1,000.00Open Account
1 Year5.12%5.25%$1,000.00Open Account
18 Month3.92%4.00%$1,000.00Open Account
2 Year3.68%3.75%$1,000.00Open Account
3 Year3.44%3.50%$1,000.00Open Account
4 Year3.44%3.50%$1,000.00Open Account
5 Year3.44%3.50%$1,000.00Open Account

 

Deposit Accounts

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AccountMinimum to Earn APY APY+Minimum to OpenOpen Online
Share 1 Savings$25.000.35%$5.00Open Account
Deposit Savings$1.000.35%$5.00Open Account
Premier Money Market$0.00-$49,999.99
$50,000.00-and Greater
0.35%
4.00%
$50,000.00Open Account
Money Market Savings$0.00 - $2,499.99
$2,500.00 - $49,999.99
$50,000.00-$149,999.99
$150,000.00-$249,999.99
$250,000.00 or Greater
0.00%
0.65%
0.75%
0.85%
1.25%
$2,500.00Open Account
Vacation Club$1.000.25%$5.00Open Account
Holiday Club$1.000.25%$5.00Open Account
Greenwood CheckingN/AN/A$5.00Open Account
Greenwood Interest Checking$1,000.000.25%$1,000.00Open Account
Day to Day IRA Savings$100.000.35%$100.00401-739-4600

Business Deposit Accounts

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TYPEMINIMUM BALANCE
TO EARN APY
APY+MINIMUM TO OPENOPEN ONLINE
Business Share Savings$100.000.35%$5.00401-739-4600
Business Money Market$0.00 - $2,499.99
$2,500.00 - $24,999.99
$25,000.00-$99,999.99
$100,000.00-$249,999.99
$250,000.00 or Greater
0.00%
0.65%
0.75%
0.85%
1.50%
$2,500.00401-739-4600
Small Business CheckingN/A0.00%$25.00401-739-4600
Business Relationship
Checking
$100.000.25%$100.00401-739-4600

Personal Loan Rates

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Loan TypeTermAPR*Loan AmountApply Online
Personal LoanUp to 12 Months13.75% - 20.00% depending on credit scoreUp to $10,000.00Apply Now
13 - 24 Months14.25% - 20.85% depending on credit scoreUp to $10,000.00Apply Now
25 - 36 Months14.75% - 20.85% depending on credit scoreUp to $10,000.00Apply Now
37 - 48 Months15.75% - 20.85% depending on credit scoreUp to $10,000.00Apply Now
Repayment Examples

For personal loan payments: At 13.75% APR, 12 monthly payments of $89.67 per $1,000 borrowed
For personal loan payments: At 14.25% APR, 24 monthly payments of $48.37 per $1,000 borrowed
For personal loan payments: At 14.75% APR, 36 monthly payments of $34.54 per $1,000 borrowed
For personal loan payments: At 15.75% APR, 48 monthly payments of $28.21 per $1,000 borrowed

Home Heating Loan Rates

Providing assistance to members paying for home heating fuel by allowing them to spread their payments out over a longer period of time.

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Loan TypeLoan TermAPR*Amount
Home Heating LoanUp to 9 Months9.50%Up to $2,500.00
* Monthly Auto debit from a GCU deposit account will receive a  0.25% discount
Repayment Examples

For personal loan payments: At 9.50% APR, 9 monthly payments of $115.56 per $1,000 borrowed

Personal Bridge Loan Rates

If you have an unexpected expense and you’re short on funds, you don’t have to wait until payday. Get the cash you need now while building credit at the same time.

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Loan TypeLoan TermAPR*Loan Amount
Personal Bridge LoanUp to 3 Months
Up to 6 Months
Up to 12 Months
16.00%
18.00%
20.00%
Up to $1,020.00**
Up to $1,020.00**
Up to $1,020.00 **
*Monthly Auto debit from a GCU deposit account will receive a 0.25% discount or Weekly Auto debit from a GCU deposit account will receive a 0.50% discount
**Includes $20.00 application fee
Repayment Examples

For personal loan payments: At 16.00% APR, 3 monthly payments of $349.11 per $1,020 borrowedFor personal loan payments: At 18.00% APR, 6 monthly payments of $179.04 per $1,020 borrowedFor personal loan payments: At 20.00% APR, 12 monthly payments of $94.49 per $1,020 borrowed

Auto Loans

 

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TypeTermAPR*Minimum LoanApply Online
2022-202436 Months
48 Months
63 Months
66 Months
75 Months
6.34%*
6.59%*
6.84%*
7.19%*
7.35%*
$1,000.00Apply Now
2020-202136 Months
48 Months
63 Months
66 Months
75 Months
6.80%*
7.05%*
7.30%*
7.54%*
7.79%*
$1,000.00Apply Now
2018-201936 Months
48 Months
63 Months
72 Months
7.05%*
7.30%*
7.45%*
8.09%*
$1,000.00Apply Now
2016-201736 Months
48 Months
60 Months
7.44%*
7.69%*
8.34%*
$1,000.00Apply Now
2014-201536 Months
48 Months
7.89%*
8.89%*
$1,000.00Apply Now
Repayment Examples

For auto loan payments 2022-2024: At 6.34% APR, 36 monthly payments of $30.58 per $1,000 borrowed
For auto loan payments 2022-2024: At 6.59% APR, 48 monthly payments of $23.76 per $1,000 borrowed
For auto loan payments 2022-2024: At 6.84% APR, 63 monthly payments of $18.94 per $1,000 borrowed
For auto loan payments 2022-2024: At 7.19% APR, 66 monthly payments of $18.39 per $1,000 borrowed
For auto loan payments 2022-2024: At 7.35% APR, 75 monthly payments of $16.67 per $1,000 borrowed

Motorcycle Loans

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TypeTermAPR*Minimum Loan Apply Online
2022-202436 Months
60 Months
72 Months
7.89%*
8.39%*
8.89%*
$1,000.00Apply Now
2020-202136 Months
60 Months
72 Months
8.39%*
8.89%*
9.39%*
$1,000.00Apply Now
2018-201936 Months
60 Months
8.89%*
9.39%*
$1,000.00Apply Now
2016-201736 Months
60 Months
9.89%*
10.89%*
$1,000.00Apply Now
2014-201536 Months
48 Months
10.89%*
11.89%*
$1,000.00Apply Now
Repayment Examples

For motorcycle loan payments 2022-2024: At 7.89% APR, 36 monthly payments of $31.29 per $1,000 borrowed
For motorcycle loan payments 2022-2024: At 8.39% APR, 60 monthly payments of $20.46 per $1,000 borrowed
For motorcycle loan payments 2022-2024: At 8.89% APR, 72 monthly payments of $17.97 per $1,000 borrowed

Home Equity Loans

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TermAPR*Minimum Loan Apply Online
60 Months
7.24%*$10,000.00
Apply Now
120 Months7.49%***$10,000.00Apply Now
180 Months7.74%***$10,000.00Apply Now
240 Months7.99%***$10,000.00Apply Now
Repayment Examples

For home equity loan payments: At 7.24% APR, 60 monthly payments of $19.91 per $1,000 borrowed
For home equity loan payments: At 7.49% APR, 120 monthly payments of $11.86 per $1,000 borrowed
For home equity loan payments: At 7.74% APR, 180 monthly payments of $9.41 per $1,000 borrowed
For home equity loan payments: At 7.99% APR, 240 monthly payments of $8.36 per $1,000 borrowed

Home Equity Line of Credit

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TermAPR*Minimum Loan Apply Online
120 Months8.00% (Prime minus .50% if qualifications met) **$10,000.00Apply Now
Repayment Example

For home equity line of credit payments (interest only): At 8.00% APR, $6.67 per $1,000 borrowed per billing cycle.

First Lien No-Fee Mortgage Loan

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Term (Yrs) APR^Minimum LoanApply Online
56.50%$10,000Apply Now
106.75%$10,000Apply Now
157.00%$10,000Apply Now
^ Home loan for primary residence properties as first lien only. Property insurance (and flood insurance if applicable) required.
Repayment Examples

For 1st lien loan payments: At 6.50% APR, 60 monthly payments of $19.57 per $1,000 borrowed
For 1st lien loan payments: At 6.75% APR, 120 monthly payments of $11.48 per $1,000 borrowed
For 1st lien loan payments: At 7.00% APR, 180 monthly payments of $8.99 per $1,000 borrowed

Mortgage Loans

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TypeTermAPR*Loan Amount Apply Online
Residential MortgagesPlease contact us for
current rates at 401-562-2729
Apply Now
Commercial MortgagesPlease contact us for
current rates at 401-562-2784
Please Call

Miscellaneous Loans

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TypeTermAPR*Loan Amount Apply Online
Overdraft LoanN/A15.25%Up to $10,000.00401-739-4600
CD SecuredUp to 60 Months3.00% Above CD Rate100% of loan amount held
against account
401-739-4600
Share SecuredUp to 60 Months5.00%100% of loan amount held
against account
401-739-4600
Repayment Example

For savings secured loan payments: At 5.00% APR, 12 monthly payments of $85.61 per $1,000 borrowed

Credit Card

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Card TypeRate*Apply Online
VISA Premier
13.49% - 21.00%
Apply Now