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RATES

Greenwood Credit Union Rates

Effective Date August 17, 2022

Certificate of Deposits

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Certificates of DepositAPY+RateMinimum to OpenOpen Online
3 Month0.40%0.40%$1,000.00Open Account
6 Month0.50%0.50%$1,000.00Open Account
1 Year0.70%0.70%$1,000.00Open Account
13 Month2.00%1.98%$1000.00 Open Account
15 Month2.00%1.98%$1000.00 Open Account
18 Month2.50%2.47%$1,000.00Open Account
2 Year2.50%2.47%$1,000.00Open Account
30 Month0.70%0.70%$1,000.00Open Account
32 Month**1.25%1.24%$1,000.00Open Account
3 Year*3.00%2.96%$1,000.00Open Account
4 Year*3.00%2.96%$1,000.00Open Account
58 Month**1.50%1.49%$1,000.00Open Account
5 Year*3.00%2.96%$1,000.00Open Account
*3, 4, & 5 Year CDs have a 1 Time Bump Up during the term of the cd. You will need to notify us by calling 401-739-4600 if you would like to bump up the rate.
** CD Special: The 32 Month CD will renew to a 30 Month CD at maturity and the 58 Month CD will renew to a 60 Month CD at maturity. These CD specials are not available for IRA money.

 

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
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%
0.40%
0.50%
0.60%
0.75%
$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%$5.00Open 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%
0.40%
0.50%
0.60%
0.75%
$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 Months11.00% - 17.25% depending on credit scoreUp to $10,000.00Apply Now
13 - 24 Months11.50% - 18.25% depending on credit scoreUp to $10,000.00Apply Now
25 - 36 Months12.00% - 20.25% depending on credit scoreUp to $10,000.00Apply Now
37 - 48 Months13.00% - 20.75% depending on credit scoreUp to $10,000.00Apply Now
Repayment Examples

For personal loan payments: At 11.00% APR, 12 monthly payments of $88.38 per $1,000 borrowed
For personal loan payments: At 11.50% APR, 24 monthly payments of $46.84 per $1,000 borrowed
For personal loan payments: At 12.00% APR, 36 monthly payments of $33.21 per $1,000 borrowed
For personal loan payments: At 12.50% APR, 48 monthly payments of $26.83 per $1,000 borrowed

Auto Loans

 

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TypeTermAPR*Minimum LoanApply Online
2020 - 202336 Months
48 Months
63 Months
66 Months
75 Months
3.89%*
4.14%*
4.39%*
4.74%*
4.90%*
$1,000.00Apply Now
2018 – 201936 Months
48 Months
63 Months
66 Months
75 Months
4.40%*
4.65%*
4.90%*
5.14%*
5.39%*
$1,000.00Apply Now
2016 – 201736 Months
48 Months
63 Months
72 Months
4.65%*
4.90%*
5.15%*
5.69%*
$1,000.00Apply Now
2014 – 201536 Months
48 Months
60 Months
5.04%*
5.29%*
5.69%*
$1,000.00Apply Now
2012 - 201336 Months
48 Months
5.49%*
6.69%*
$1,000.00Apply Now
Repayment Examples

For auto loan payments 2020-2023: At 3.89% APR, 36 monthly payments of $29.48 per $1,000 borrowed
For auto loan payments 2020-2023: At 4.14% APR, 48 monthly payments of $22.64 per $1,000 borrowed
For auto loan payments 2020-2023: At 4.39% APR, 63 monthly payments of $17.80 per $1,000 borrowed
For auto loan payments 2020-2023: At 4.74% APR, 66 monthly payments of $17.24 per $1,000 borrowed
For auto loan payments 2020-2023: At 4.90% APR, 75 monthly payments of $15.51 per $1,000 borrowed

Motorcycle Loans

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TypeTermAPR*Minimum Loan Apply Online
2020 - 202336 Months
60 Months
72 Months
5.39%*
5.89%*
6.39%*
$1,000.00Apply Now
2018 – 201936 Months
60 Months
72 Months
5.89%*
6.39%*
6.89%*
$1,000.00Apply Now
2016 – 201736 Months
60 Months
6.39%*
6.89%*
$1,000.00Apply Now
2014 – 201536 Months
60 Months
7.39%*
8.39%*
$1,000.00Apply Now
2012 - 201336 Months
48 Months
8.39%*
9.39%*
$1,000.00Apply Now
Repayment Examples

For motorcycle loan payments 2020-2023: At 5.39% APR, 36 monthly payments of $30.15 per $1,000 borrowed
For motorcycle loan payments 2020-2023: At 5.89% APR, 60 monthly payments of $19.28 per $1,000 borrowed
For motorcycle loan payments 2020-2023: At 6.39% APR, 72 monthly payments of $16.76 per $1,000 borrowed

Home Equity Loans

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TermAPR*Minimum Loan Apply Online
60 Months
5.24%*$10,000.00
Apply Now
120 Months5.49%***$10,000.00Apply Now
180 Months5.74%***$10,000.00Apply Now
240 Months5.99%***$10,000.00Apply Now
Repayment Examples

For home equity loan payments: At 5.24% APR, 60 monthly payments of $18.98 per $1,000 borrowed
For home equity loan payments: At 5.49% APR, 120 monthly payments of $10.85 per $1,000 borrowed
For home equity loan payments: At 5.74% APR, 180 monthly payments of $8.30 per $1,000 borrowed
For home equity loan payments: At 5.99% APR, 240 monthly payments of $7.16 per $1,000 borrowed

Home Equity Line of Credit

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TermAPR*Minimum Loan Apply Online
120 Months3.99%**$10,000.00Apply Now
Repayment Example

For home equity line of credit payments (interest only): At 3.99% APR, $3.33 per $1,000 borrowed per billing cycle.

First Lien No-Fee Mortgage Loan

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Term (Yrs) APR^Minimum LoanApply Online
54.75%$10,000Apply Now
105.00%$10,000Apply Now
155.25%$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 4.75% APR, 60 monthly payments of $18.76 per $1,000 borrowed
For 1st lien loan payments: At 5.00% APR, 120 monthly payments of $10.61 per $1,000 borrowed
For 1st lien loan payments: At 5.25% APR, 180 monthly payments of $8.04 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

VISA

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Card TypeRateApply Online
VISA Classic
14.9%
Apply Now
VISA Gold
9.9%
Apply Now