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 Month2.96%3.00%$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 Month3.10%3.15%$1,000.00Yes
30 Month3.30%3.35%$1,000.00Yes
36 Month2.23%2.25%$1,000.00Yes
48 Month2.32%2.35%$1,000.00Yes
60 Month3.68%3.75%$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
0.50%
1.00%
1.50%
$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 Loan Rates

Loan TypeTermAnnual Percentage Rate (APR)Loan AmountApply Online
Personal Loan12 Months9.25% - 15.25% depending on credit scoreUp to $10,000.00Yes
Up to 24 Months9.75% - 16.25% depending on credit scoreUp to $10,000.00Yes
Up to 36 Months10.25% - 18.25% depending on credit scoreUp to $10,000.00Yes
Up to 48 Months11.25% - 18.25% depending on credit scoreUp to $10,000.00Yes

Auto Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
2016 - 201836 Months
48 Months
60 Months
66 Months
72 Months
3.14%*
3.39%*
3.64%*
3.99%*
4.15%*
$1,000.00Yes
2014 – 201536 Months
48 Months
60 Months
66 Months
72 Months
3.65%*
3.90%*
4.15%*
4.39%*
4.65%*
$1,000.00Yes
2012 – 201336 Months
48 Months
60 Months
72 Months
4.15%*
4.40%*
4.65%*
5.65%*
$1,000.00Yes
2010 – 201136 Months
48 Months
60 Months
5.15%*
5.39%*
6.39%*
$1,000.00Yes
2008 - 200936 Months
48 Months
7.39%*
8.39%*
$1,000.00Yes

Home Equity Loans/Lines of Credit

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
Equity Line of Credit120 Months2.74%**$10,000.00Yes
Fixed Equity Loan60 Months
4.49%*
$10,000.00
Yes
120 Months4.74%***$10,000.00Yes
180 Months4.99%***$10,000.00Yes
240 Months5.24%***$10,000.00Yes

Miscellaneous 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

Motorcycle Loans

Loan TypeTermAnnual Percentage Rate (APR)Minimum Loan AmountApply Online
2016 - 201836 Months
60 Months
72 Months
4.14%*
4.64%*
5.14%*
$1,000.00Yes
2014 – 201536 Months
60 Months
72 Months
4.64%*
5.14%*
5.64%*
$1,000.00Yes
2012 – 201336 Months
60 Months
5.14%*
5.64%*
$1,000.00Yes
2010 – 201136 Months
60 Months
6.14%*
7.14%*
$1,000.00Yes
2008 - 200936 Months
48 Months
7.14%*
8.14%*
$1,000.00Yes

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 (7)
(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

  • Cosigner release program (1)

  • Rewards for nurses (2) & interns (3)

  • 0.25% rate reduction for automatic electronic payments

  • No origination or other upfront fees

  • Instant credit decisions

  • No prepayment penalties


  • Payments deferred until student graduates or leaves school (4)

  • Low fixed rates

  • 0.25% rate reduction for automatic electronic payments

  • No origination or other upfront fees

  • Rewards for nurses (2) & interns (3)

  • Cosigner release program (1)

  • 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 origination or other upfront fees

  • Low fixed rates


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 (and cosigner, if required)
Interest Rate with ACH (5)3.99%6.24%5.24%
Fixed or VariableFixedFixedFixed
APR with ACH (6)3.99%6.02% - 6.18%5.24%
Origination FeesNoneNoneNone
Standard Repayment Term120 months180 months120 months
Est. Monthly Repayment per $10k Borrowed$103$99 - $109$109
Repayment Start15 days after final disbursement6 months after student leaves school (3)15 days after final disbursement
*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 09/27/2018 Prime Rate is 5.25%. 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.