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

Loan Products

Loan Products

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

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

Equity Loans

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

Other 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

VISA Rates

Card TypeRateApply Online
VISA Classic
14.9%
Yes
VISA Gold
9.9%
Yes
*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 03/22/2018 Prime Rate was 4.75%. 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.