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

GCU Rates

GCU Rates

 

Certificate of Deposits

Certificates of DepositInterest Rate Annual Percentage Yield (APY)Minimum to OpenOpen Online
3 Month0.50%0.50%$1,000.00Yes
6 Month0.50%0.50%$1,000.00Yes
12 Month1.39%1.40%$1,000.00Yes
13 Month0.80%0.80%$1,000.00Yes
15 Month2.47%2.50%$1,000.00Yes
18 Month0.90%0.90%$1,000.00Yes
24 Month2.76%2.80%$1,000.00Yes
36 Month2.23%2.25%$1,000.00Yes
48 Month2.32%2.35%$1,000.00Yes
60 Month2.52%2.55%$1,000.00Yes

Deposit Rates

Deposit AccountMinimum Balance
to Earn APY
Annual Percentage
Yield (APY)
Minimum to OpenOpen Online
Share 1 Savings$25.000.50%$5.00Yes
Deposit Savings$1.000.25%$5.00Yes
Money Market Savings$2,500.00-49,999.99
50,000.00-149,999.99
150,000.00 and over
0.25%
0.50%
0.65%
$2,500.00Yes
Vacation Club$1.000.25%$5.00Yes
Holiday Club$1.000.25%$5.00Yes
Absolutely Free CheckingN/AN/A$5.00Yes
Traditional CheckingN/AN/A$5.00Yes
Interest Checking$1,000.000.25%$5.00Yes
Day to Day IRA Savings$100.000.50%$100.00No

Personal Loans

 Credit Score of 730+
Up to 12 Months7.0%
13 - 24 Months7.5%
25 - 36 Months8.0%
37 - 48 Months9.0%

Auto Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
2016 - 201836 Months
48 Months
60 Months
66 Months
72 Months
2.74%*
2.99%*
3.24%*
3.59%*
3.75%*
$1,000.00Yes
2014 – 201536 Months
48 Months
60 Months
66 Months
72 Months
3.25%*
3.50%*
3.75%*
3.99%*
4.25%*
$1,000.00Yes
2012 – 201336 Months
48 Months
60 Months
72 Months
3.75%*
4.00%*
4.25%*
5.25%*
$1,000.00Yes
2010 – 201136 Months
48 Months
60 Months
4.75%*
4.99%*
5.99%*
$1,000.00Yes
2008 - 200936 Months
48 Months
6.99%*
7.99%*
$1,000.00Yes

Home Equity Loans/Lines of Credit

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
Equity Line of Credit120 Months2.24%**$10,000.00Yes
Fixed Equity Loan60 Months
4.24%*
$10,000.00
Yes
120 Months4.49%***$10,000.00Yes
180 Months4.74%***$10,000.00Yes
240 Months4.99%***$10,000.00Yes

Miscellaneous Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
Overdraft LoanN/A15.00%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

Motorcycle Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
2016 - 201836 Months
60 Months
72 Months
3.89%*
4.39%*
4.89%*
$1,000.00Yes
2014 – 201536 Months
60 Months
72 Months
4.39%*
4.89%*
5.39%*
$1,000.00Yes
2012 – 201336 Months
60 Months
4.89%*
5.39%*
$1,000.00Yes
2010 – 201136 Months
60 Months
5.89%*
6.89%*
$1,000.00Yes
2008 - 200936 Months
48 Months
6.89%*
7.89%*
$1,000.00Yes

Personal Loan Rates

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
Personal Loan12 Months7.0% - 13.0% depending on credit scoreUp to $10,000.00Yes
Up to 24 Months7.5% - 14.0% depending on credit scoreUp to $10,000.00Yes
Up to 36 Months8.0% - 16.0% depending on credit scoreUp to $10,000.00Yes
Up to 48 Months9.0% - 18.0% depending on credit scoreUp to $10,000.00Yes

VISA Rates

Card TypeRateApply Online
VISA Classic
14.9%
Yes
VISA Gold
9.9%
Yes

Student Loan Refinance

TERM5-Year10-Year15-Year
Fixed Rate*
(with auto-pay)
3.49% - 6.14%4.24% - 7.14%4.74% - 7.64%
APR (1)
(with auto-pay)
3.49% - 6.14%4.24% - 7.14%4.74% - 7.64%
Number of Payments60120180
Upfront FeesZeroZeroZero
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
• Zero origination fees
• Cosigner release program
• Rewards for nurses & interns
• 0.25% rate reduction for automatic electronic payments
• No upfront fees
• Instant credit decisions
• No prepayment penalties
• Payments deferred until student graduates or leaves school (3)
• Low fixed rates
• 0.25% rate reduction for automatic electronic payments
• No upfront fees
• Rewards for nurses & interns
• Cosigner release program
• 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 upfront fees
To apply for an in-school state-based loan: Click here

Student Loan Fees

 RISLA Student Loan Immediate RepaymentRISLA Student Loan Deferred RepaymentRISLA Parent Loan Immediate Repayment
BorrowerStudent and CosignerStudent and CosignerParent
Interest Rate with ACH (1)4.49%6.49%5.49%
Fixed or VariableFixedFixedFixed
APR with ACH (2)4.49%6.25%-6.42%5.49%
Origination FeesNoneNoneNone
Standard Repayment Term120 months180 months120 months
Est. Monthly Repayment per $10k Borrowed$105$101-$112$110
Repayment Start15 days after final disbursement6 months after student leaves school (3)
*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 2.24% 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 06/14/2018 Prime Rate is 5.00%. 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.