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RATES

Greenwood Credit Union Rates

Effective Date September 1, 2021

Certificate of Deposits

Certificates of DepositAPY+Minimum to OpenOpen Online
3 Month0.20%$1,000.00Open Account
6 Month0.30%$1,000.00Open Account
12 Month0.50%$1,000.00Open Account
18 Month0.40%$1,000.00Open Account
24 Month0.50%$1,000.00Open Account
30 Month0.50%$1,000.00Open Account
36 Month0.60%$1,000.00Open Account
48 Month0.65%$1,000.00Open Account
60 Month0.90%$1,000.00Open Account

Deposit Accounts

AccountMinimum to Earn APY APY+Minimum to OpenOpen Online
Share 1 Savings$25.000.15%$5.00Open Account
Deposit Savings$1.000.15%$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%
0.15%
0.20%
0.40%
0.50%
$2,500.00Open Account
Vacation Club$1.000.15%$5.00Open Account
Holiday Club$1.000.15%$5.00Open Account
Greenwood CheckingN/AN/A$5.00Open Account
Greenwood Interest Checking$1,000.000.15%$5.00Open Account
Day to Day IRA Savings$100.000.15%$100.00401-739-4600

Business Deposit Accounts

TYPEMINIMUM BALANCE
TO EARN APY
APY+MINIMUM TO OPENOPEN ONLINE
Business Share Savings$100.000.15%$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%
0.15%
0.20%
0.40%
0.50%
$2,500.00401-739-4600
Small Business CheckingN/A0.00%$25.00401-739-4600
Business Relationship
Checking
$100.000.15%$100.00401-739-4600

Personal Loan Rates

Loan TypeTermAPR*Loan AmountApply Online
Personal LoanUp to 12 Months9.50% - 15.75% depending on credit scoreUp to $10,000.00Apply Now
13 - 24 Months10.00% - 16.75% depending on credit scoreUp to $10,000.00Apply Now
25 - 36 Months10.50% - 18.75% depending on credit scoreUp to $10,000.00Apply Now
37 - 48 Months11.50% - 18.75% depending on credit scoreUp to $10,000.00Apply Now
Repayment Examples

For personal loan payments: At 9.50% APR, 12 monthly payments of $87.68 per $1,000 borrowed
For personal loan payments: At 10.00% APR, 24 monthly payments of $46.14 per $1,000 borrowed
For personal loan payments: At 10.50% APR, 36 monthly payments of $32.50 per $1,000 borrowed
For personal loan payments: At 11.50% APR, 48 monthly payments of $26.09 per $1,000 borrowed

Auto Loans

TypeTermAPR*Minimum LoanApply Online
2019 - 202136 Months
48 Months
63 Months
66 Months
75 Months
2.14%*
2.39%*
2.64%*
2.99%*
3.15%*
$1,000.00Apply Now
2017 – 201836 Months
48 Months
63 Months
66 Months
75 Months
2.65%*
2.90%*
3.15%*
3.39%*
3.64%*
$1,000.00Apply Now
2015 – 201636 Months
48 Months
63 Months
72 Months
2.90%*
3.15%*
3.40%*
3.94%*
$1,000.00Apply Now
2013 – 201436 Months
48 Months
60 Months
3.29%*
3.54%*
3.94%*
$1,000.00Apply Now
2011 - 201236 Months
48 Months
3.74%*
4.94%*
$1,000.00Apply Now
Repayment Examples

For auto loan payments 2019-2021: At 2.14% APR, 36 monthly payments of $28.70 per $1,000 borrowed
For auto loan payments 2019-2021: At 2.39% APR, 48 monthly payments of $21.87 per $1,000 borrowed
For auto loan payments 2019-2021: At 2.64% APR, 63 monthly payments of $17.02 per $1,000 borrowed
For auto loan payments 2019-2021: At 2.99% APR, 66 monthly payments of $16.29 per $1,000 borrowed
For auto loan payments 2019-2021: At 3.15% APR, 75 monthly payments of $14.71 per $1,000 borrowed

Motorcycle Loans

TypeTermAPR*Minimum Loan Apply Online
2019 - 202136 Months
60 Months
72 Months
3.89%*
4.39%*
4.89%*
$1,000.00Apply Now
2017 – 201836 Months
60 Months
72 Months
4.39%*
4.89%*
5.39%*
$1,000.00Apply Now
2015 – 201636 Months
60 Months
4.89%*
5.39%*
$1,000.00Apply Now
2013 – 201436 Months
60 Months
5.89%*
6.89%*
$1,000.00Apply Now
2011 - 201236 Months
48 Months
6.89%*
7.89%*
$1,000.00Apply Now
Repayment Examples

For motorcycle loan payments 2019-2021: At 3.89% APR, 36 monthly payments of $29.48 per $1,000 borrowed
For motorcycle loan payments 2019-2021: At 4.39% APR, 60 monthly payments of $18.59 per $1,000 borrowed
For motorcycle loan payments 2019-2021: At 4.89% APR, 72 monthly payments of $16.05 per $1,000 borrowed

Home Equity Loans

TermAPR*Minimum Loan Apply Online
60 Months
3.99%*
$10,000.00
Apply Now
120 Months4.24%***$10,000.00Apply Now
180 Months4.49%***$10,000.00Apply Now
240 Months4.74%***$10,000.00Apply Now
Repayment Examples

For home equity loan payments: At 3.99% APR, 60 monthly payments of $18.41 per $1,000 borrowed
For home equity loan payments: At 4.24% APR, 120 monthly payments of $10.24 per $1,000 borrowed
For home equity loan payments: At 4.49% APR, 180 monthly payments of $7.52 per $1,000 borrowed
For home equity loan payments: At 4.74% APR, 240 monthly payments of $6.46 per $1,000 borrowed

Home Equity Line of Credit

TermAPR*Minimum Loan Apply Online
120 Months2.49%**$10,000.00Apply Now
Repayment Examples

For home equity line of credit payments (interest only): At 2.49% APR, 20.75 per $1,000 borrowed per billing cycle.

First Lien No-Fee Mortgage Loan

Term (Yrs) APR^Minimum LoanApply Online
52.25%$10,000Apply Now
102.50%$10,000Apply Now
152.75%$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 2.25% APR, 60 monthly payments of $17.64 per $1,000 borrowed
For 1st lien loan payments: At 2.50% APR, 120 monthly payments of $9.43 per $1,000 borrowed
For 1st lien loan payments: At 2.75% APR, 180 monthly payments of $9.54 per $1,000 borrowed

Mortgage Loans

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

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

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