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Greenwood Credit Union

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Greenwood Credit Union Rates & Review November 2026

Q: What are the current interest rates at Greenwood Credit Union?

Current rates for Greenwood Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.00%, 24-Month CD: 4.25%, 60-Month CD: 3.75%, Savings: 2.25%, MMA: 3.00%

Q: What CD terms does Greenwood Credit Union offer?

Greenwood Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.25% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Greenwood Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Greenwood Credit Union's CD of Deposit - 2 Year rates are at 4.25%, CD of Deposit - 1 Year rates are at 4.00%, CD of Deposit - 18 Month rates are at 4.00%, CD of Deposit - 3 Year rates are at 3.75%, CD of Deposit - 4 Year rates are at 3.75%. Greenwood Credit Union's savings rates are at 2.25%. Greenwood Credit Union's money market rates are at 3.00%. Greenwood Credit Union's checking rates are as high as 0.25%. Greenwood Credit Union's Personal Loan Rates are as low as 13.75%. Greenwood Credit Union's Credit Card Rates are at 11.74%. Greenwood Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Greenwood Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.24%. Rates last updated and verified on 10/29/2026.

Greenwood Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Greenwood Credit Union? Share your experience about Greenwood Credit Union by leaving a review below, or read customer reviews before you decide to use Greenwood Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.24%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Greenwood Credit Union
Operations Center

2700 Post Rd
Warwick, RI 02886-3003

https://www.greenwoodcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Greenwood Credit Union CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 2 Year	4.16%	4.25%	2 Year
Min Deposit $1,000 Details Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Certificate of Deposit - 1 Year	3.92%	4.00%	1 Year
Min Deposit $1,000 Details Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Certificate of Deposit - 18 Month	3.92%	4.00%	18 Month
Min Deposit $1,000 Details Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Certificate of Deposit - 3 Year	3.68%	3.75%	3 Year
Min Deposit $1,000 Details One-time rate bump up during the term (notify credit union to bump up); Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Certificate of Deposit - 4 Year	3.68%	3.75%	4 Year
Min Deposit $1,000 Details One-time rate bump up during the term (notify credit union to bump up); Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Certificate of Deposit - 5 Year	3.68%	3.75%	5 Year
Min Deposit $1,000 Details One-time rate bump up during the term (notify credit union to bump up); Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Certificate of Deposit - 6 Month	3.68%	3.75%	6 Month
Min Deposit $1,000 Details Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Certificate of Deposit - 9 Month	3.68%	3.75%	9 Month
Min Deposit $1,000 Details Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Certificate of Deposit - 3 Month	0.50%	0.50%	3 Month
Min Deposit $1,000 Details Open Online: Open Account; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	-	2.25%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 or Greater; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	1.75%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000.00-$249,999.99; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	1.25%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00-$149,999.99; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Day to Day IRA Savings	-	0.35%
Min Deposit $100 Min Balance $100 Details IRA account; Open Online column lists phone number 401-739-4600 (not online opening) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Deposit Savings	-	0.30%
Min Deposit $5 Min Balance $1 Details Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Share 1 Savings	-	0.30%
Min Deposit $5 Min Balance $25 Details Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Holiday Club	-	0.25%
Min Deposit $5 Min Balance $1 Details Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Vacation Club	-	0.25%
Min Deposit $5 Min Balance $1 Details Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 - $2,499.99; Open Online: Open Account Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share 1 Savings	-	0.30%
Min Deposit $5 Min Balance $100 Details Minimum balance to earn APY: $100.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	-	3.00%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00-and Greater; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	2.25%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 or Greater; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	1.75%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000.00-$249,999.99; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	1.25%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00-$149,999.99; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Premier Money Market	-	0.35%
Min Deposit $50,000 Min Balance $0 Details Balance: $0.00-$49,999.99; Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Money Market Savings	-	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 - $2,499.99; Open Online: Open Account Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	2.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 or Greater Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Business Money Market	-	2.25%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Business Money Market	-	1.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Business Money Market	-	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Business Money Market	-	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Checking Rates

Product	Rate	APY	View More
Greenwood Interest Checking	-	0.25%
Min Deposit $1,000 Min Balance $1,000 Details Open Online: Open Account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Business Checking Rates

Product	Rate	APY
Business Relationship Checking	-	0.25%
Min Deposit $100 Min Balance $100 Details Minimum balance to earn APY: $100.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Small Business Checking	-	0.00%
Min Deposit $25 Details Minimum balance to earn APY: N/A Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	5.99%	120 Months
Details Prime minus .50% if qualifications met; Minimum loan $10,000.00; Apply Now Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 13, 20265.99%▲ from 5.74% Sep 22, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Home Equity Loan - 60 Months	-	-	6.99%	60 Months
Details Minimum loan $10,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Home Equity Loan - 120 Months	-	-	7.24%	120 Months
Details Minimum loan $10,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Home Equity Loan - 180 Months	-	-	7.49%	180 Months
Details Minimum loan $10,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Home Equity Loan - 240 Months	-	-	7.74%	240 Months
Details Minimum loan $10,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2024 - NEW	-	-	5.24%	63 Months
Details Model Year: 2024 - NEW; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Auto Loan - 2024 - NEW	-	-	5.74%	75 Months
Details Model Year: 2024 - NEW; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Auto Loan - 2020 - 2023	-	-	5.99%	63 Months
Details Model Year: 2020 - 2023; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Auto Loan - 2020 - 2023	-	-	6.49%	75 Months
Details Model Year: 2020 - 2023; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Auto Loan - 2016 - 2019	-	-	6.99%	60 Months
Details Model Year: 2016 - 2019; Minimum Loan: $1,000.00; Advertised rate includes 0.25% reduction for auto pay from Greenwood Credit Union checking account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	6.49%	48 Months
Details Model Year: 2024-NEW; Minimum Loan: $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Motorcycle Loan	-	6.99%	60 Months
Details Model Year: 2024-NEW; Minimum Loan: $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Motorcycle Loan	-	6.99%	48 Months
Details Model Year: 2020-2023; Minimum Loan: $1,000.00 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49% Oct 19, 20266.99%▲ from 6.49% Oct 9, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Motorcycle Loan	-	7.49%	75 Months
Details Model Year: 2024-NEW; Minimum Loan: $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Motorcycle Loan	-	7.49%	60 Months
Details Model Year: 2020-2023; Minimum Loan: $1,000.00 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 19, 20267.49%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Motorcycle Loan	-	7.99%	75 Months
Details Model Year: 2020-2023; Minimum Loan: $1,000.00 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 19, 20267.99%▲ from 7.49% Oct 9, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Motorcycle Loan	-	7.99%	48 Months
Details Model Year: 2016-2019; Minimum Loan: $1,000.00 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.49% → 7.99% ▲ 1.50 pts · high 7.99% / low 6.49% Oct 19, 20267.99%▲ from 6.49% Oct 9, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Motorcycle Loan	-	8.49%	60 Months
Details Model Year: 2016-2019; Minimum Loan: $1,000.00 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 8.49% ▲ 1.50 pts · high 8.49% / low 6.99% Oct 19, 20268.49%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Boat Loans - New	-	10.49%	72 months
Details Apply Online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
RV Loans - New	-	10.49%	72 months
Details Apply Online Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Boat Loans - New	-	10.74%	84 months
Details Apply Online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
RV Loans - New	-	10.74%	84 months
Details Apply Online Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Boat Loans - Used	-	11.24%	60 months
Details Apply Online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
RV Loans - Used	-	11.24%	60 months
Details Apply Online Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Boat Loans - Used	-	11.74%	72 months
Details Apply Online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
RV Loans - Used	-	11.74%	72 months
Details Apply Online Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Premier	-	11.74%
Details As Low As; Rate range: 11.74% - 21.00%; Advertised rate is the lowest available. Interest rate will be determined by individual creditworthiness. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	13.75%	Up to 12 Months
Details APR range 13.75% - 20.00% depending on credit score; Loan Amount: Up to $10,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Personal Loan	14.25%	13 - 24 Months
Details APR range 14.25% - 20.85% depending on credit score; Loan Amount: Up to $10,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Personal Loan	14.75%	25 - 36 Months
Details APR range 14.75% - 20.85% depending on credit score; Loan Amount: Up to $10,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Personal Loan	15.75%	37 - 48 Months
Details APR range 15.75% - 20.85% depending on credit score; Loan Amount: Up to $10,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Personal Bridge Loan	16.00%	Up to 3 Months
Details Loan Amount: Up to $1,020.00 (includes $20.00 application fee); Monthly auto debit from Greenwood CU deposit account receives 0.25% discount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Personal Bridge Loan	18.00%	Up to 6 Months
Details Loan Amount: Up to $1,020.00 (includes $20.00 application fee); Monthly auto debit from Greenwood CU deposit account receives 0.25% discount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Personal Bridge Loan	20.00%	Up to 12 Months
Details Loan Amount: Up to $1,020.00 (includes $20.00 application fee); Monthly auto debit from Greenwood CU deposit account receives 0.25% discount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 20.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

Greenwood Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Heating Loan	-	-	9.50%	Up to 9 Months
Details Loan Amount: Up to $2,500.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Pet Expense Loan	-	-	12.49%	Up to 12 Months
Details APR range: 12.49%- 15.49% depending on credit score; Loan amount: Up to $5,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Pet Expense Loan	-	-	12.74%	13 - 24 Months
Details APR range: 12.74% - 15.74% depending on credit score; Loan amount: Up to $5,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Pet Expense Loan	-	-	12.99%	25 - 36 Months
Details APR range: 12.99% - 16.24% depending on credit score; Loan amount: Up to $5,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%
Pet Expense Loan	-	-	13.24%	37 - 48 Months
Details APR range: 13.24% - 16.24% depending on credit score; Loan amount: Up to $5,000.00; Apply Online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.24%

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Financial Health History

Greenwood Credit Union’s Texas Ratio fell from 5.16% in Q3 2023 to 4.24% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$957M	4.24%	5.0	A+
March 31, 2026	$925M	3.52%	5.0	A+
December 31, 2025	$908M	5.54%	5.0	A+
September 30, 2025	$895M	3.39%	5.0	A+
June 30, 2025	$900M	4.56%	5.0	A+
March 31, 2025	$876M	4.62%	5.0	A+
December 31, 2024	$865M	4.95%	5.0	A+
September 30, 2024	$896M	4.08%	5.0	A+
June 30, 2024	$890M	4.34%	5.0	A+
March 31, 2024	$884M	4.11%	5.0	A+
December 31, 2023	$869M	6.20%	5.0	A
September 30, 2023	$842M	5.16%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Greenwood Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Greenwood Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Greenwood Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greenwood Credit Union

Website https://www.greenwoodcu.org

Address 2700 Post Rd, Warwick, RI 02886-3003

Phone 401-739-4600

Fax

President Karen Grande

CEO Frederick Reinhardt

Full-Time Employees 83

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.24%

Return on Assets (ROA)

0.5267%

Return on Equity (ROE)

5.4434%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

957,343,871

Total Amount of Shares and Deposits

855,884,592

Total Shares and Deposits < 1 Year

682,904,864

Total Shares and Deposits 1 3 Years

107,002,315

Total Shares and Deposits > 3 Years

65,977,413

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

95,903,437

Total Uninsured Shares and Deposits > $250K (F+J)

95,903,437

Total Insured Shares and Deposits > $250K (item 17 less item K)

759,981,155

Total Interest Expense (Sum of items 6 8)

12,319,176

Share Certificates

8,197

Number of Accounts for Share Drafts

8,865

IRA KEOGH Accounts

1,904

Number of Accounts for Regular Shares

62,950

All other shares

727

Non Member Deposits

Money Market Shares

772

Net Income (unless the amount is already included in Undivided Earnings)

5,043,410

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

22,675,125

Total Liabilities

864,709,985

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Greenwood Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Greenwood Credit Union

Does Greenwood Credit Union offer CDs?

Yes. Greenwood Credit Union current CD rates include its CD of Deposit - 2 Year at 4.25% APY, its CD of Deposit - 1 Year at 4.00% APY and its CD of Deposit - 18 Month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Greenwood Credit Union NCUA insured?

Yes. Greenwood Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Greenwood Credit Union?

The highest Greenwood Credit Union CD rate is its CD of Deposit - 2 Year at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Greenwood Credit Union offer?

Greenwood Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.25% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Greenwood Credit Union for its full lineup.

What is the highest savings rate at Greenwood Credit Union?

The highest Greenwood Credit Union savings rate is its Day to Day IRA Savings at 0.35% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Greenwood Credit Union?

The highest Greenwood Credit Union money market rate is its Premier Money Market at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Greenwood Credit Union?

The highest Greenwood Credit Union checking rate is its Business Relationship Checking at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Greenwood Credit Union?

The lowest Greenwood Credit Union auto loan rate is its Auto Loan - 2024 - NEW at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Greenwood Credit Union?

The lowest Greenwood Credit Union personal loan rate is its Personal Loan at 13.75% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Greenwood Credit Union?

The lowest Greenwood Credit Union credit card APR is its VISA Premier Credit Card at 11.74% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Greenwood Credit Union operate?

Greenwood Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Greenwood Credit Union?

Yes, to access services at Greenwood Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Greenwood Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greenwood Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greenwood Credit Union offer online and mobile banking?

Most modern institutions like Greenwood Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.greenwoodcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Greenwood Credit Union rates compare?

Greenwood Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has an A+ health rating. Greenwood Credit Union's top rates are its CD of Deposit - 2 Year at 4.25% APY, its Money Market Savings at 2.25% APY, its Premier Money Market at 3.00% APY, its Business Relationship Checking at 0.25% APY, its Personal Loan at 13.75% APR and its VISA Premier Credit Card at 11.74% APR, verified by MonitorBankRates on October 29, 2026.

Current Greenwood Credit Union Rates

12-Month CD4.00%
18-Month CD4.00%
24-Month CD4.25%
60-Month CD3.75%
Savings2.25%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Greenwood Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Greenwood Credit Union Texas Ratio

Greenwood Credit Union Health Trend

Greenwood Credit Union CD Rates

Greenwood Credit Union Savings Rates

Greenwood Credit Union Business Savings Rates

Greenwood Credit Union Money Market Rates

Greenwood Credit Union Business Money Market Rates

Greenwood Credit Union Checking Rates

Greenwood Credit Union Business Checking Rates

Greenwood Credit Union Home Equity & HELOC

Greenwood Credit Union Auto Loan Rates

Greenwood Credit Union RV, Boat and Powersport Loan Rates

Greenwood Credit Union Credit Card Rates

Greenwood Credit Union Personal Loan Rates

Greenwood Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Greenwood Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Greenwood Credit Union

Does Greenwood Credit Union offer CDs?

Are CDs from Greenwood Credit Union NCUA insured?

What is the highest CD rate at Greenwood Credit Union?

What CD terms does Greenwood Credit Union offer?

What is the highest savings rate at Greenwood Credit Union?

What is the highest money market rate at Greenwood Credit Union?

What is the highest checking rate at Greenwood Credit Union?

What is the lowest auto loan rate at Greenwood Credit Union?

What is the lowest personal loan rate at Greenwood Credit Union?

What is the lowest credit card APR at Greenwood Credit Union?

How many branches does Greenwood Credit Union operate?

Is a member application needed to join Greenwood Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Greenwood Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Greenwood Credit Union rates compare?

Current Greenwood Credit Union Rates

Compare to Other Credit Unions