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Greenwood Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
Greenwood Credit Union's top rates as of October 13, 2026 are 4.25% APY on its CDs of Deposit - 2 Year CD, 2.25% APY on savings, 3.00% APY on money market accounts, 0.25% APY on checking, personal loans from 13.75% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other Greenwood Credit Union CD rates include CDs of Deposit - 1 Year at 4.00%, CDs of Deposit - 18 Month at 4.00%, and CDs of Deposit - 3 Year at 3.75%. 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 10/13/2026.
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.
Greenwood Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Greenwood Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.24%
ExcellentLower than avg
Greenwood Credit Union Texas Ratio
Greenwood Credit Union's Texas Ratio is 4.24%, which is considered excellent and is lower than the national average of 6.13%.
Greenwood Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.16% to 4.24% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
Certificates of Deposit - 2 Year
4.16%
4.25%
2 Year
Min Deposit$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Certificates of Deposit - 1 Year
3.92%
4.00%
1 Year
Min Deposit$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Certificates of Deposit - 18 Month
3.92%
4.00%
18 Month
Min Deposit$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Certificates of Deposit - 3 Year
3.68%
3.75%
3 Year
Min Deposit$1,000
DetailsOne-time rate bump up available during term (notify credit union to bump up); Early withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Certificates of Deposit - 4 Year
3.68%
3.75%
4 Year
Min Deposit$1,000
DetailsOne-time rate bump up available during term (notify credit union to bump up); Early withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Certificates of Deposit - 5 Year
3.68%
3.75%
5 Year
Min Deposit$1,000
DetailsOne-time rate bump up available during term (notify credit union to bump up); Early withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Certificates of Deposit - 6 Month
3.68%
3.75%
6 Month
Min Deposit$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Certificates of Deposit - 9 Month
3.68%
3.75%
9 Month
Min Deposit$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Certificates of Deposit - 3 Month
0.50%
0.50%
3 Month
Min Deposit$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Greenwood Credit Union Savings Rates
Product
Rate
APY
View More
Money Market Savings
-
2.25%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: $250,000.00 or Greater
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 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
DetailsBalance: $150,000.00-$249,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 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
DetailsBalance: $50,000.00-$149,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 5 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
DetailsBalance: $2,500.00 - $49,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 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
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Deposit Savings
-
0.30%
Min Deposit$5
Min Balance$1
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 5 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
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Holiday Club
-
0.25%
Min Deposit$5
Min Balance$1
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Vacation Club
-
0.25%
Min Deposit$5
Min Balance$1
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
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
DetailsOpen Online: 401-739-4600 (phone, not a channel rate)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Greenwood Credit Union Money Market Rates
Product
Rate
APY
View More
Premier Money Market
-
3.00%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000.00-and Greater
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 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
DetailsBalance: $250,000.00 or Greater
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 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
DetailsBalance: $150,000.00-$249,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 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
DetailsBalance: $50,000.00-$149,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 5 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
DetailsBalance: $2,500.00 - $49,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 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
DetailsBalance: $0.00-$49,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Greenwood Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
-
2.75%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: $250,000.00 or Greater; Open Online: 401-739-4600 (phone, not a channel rate)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 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
DetailsBalance: $100,000.00-$249,999.99; Open Online: 401-739-4600 (phone, not a channel rate)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 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
DetailsBalance: $25,000.00-$99,999.99; Open Online: 401-739-4600 (phone, not a channel rate)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 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
DetailsBalance: $2,500.00 - $24,999.99; Open Online: 401-739-4600 (phone, not a channel rate)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
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
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Greenwood Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Relationship Checking
-
0.25%
Min Deposit$100
Min Balance$100
DetailsOpen Online: 401-739-4600 (phone, not a channel rate)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Greenwood Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
5.99%
120 Months
DetailsPrime minus .50% if qualifications met; Minimum Loan: $10,000.00; Apply Now
Last Updated10/13/2026
Rate History
1 change since Sep 22, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74%
Greenwood Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loans - 2024-NEW
-
6.49%
48 Months
DetailsMinimum Loan: $1,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Motorcycle Loans - 2020-2023
-
6.99%
48 Months
DetailsMinimum Loan: $1,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Motorcycle Loans - 2024-NEW
-
6.99%
60 Months
DetailsMinimum Loan: $1,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Motorcycle Loans - 2020-2023
-
7.49%
60 Months
DetailsMinimum Loan: $1,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Motorcycle Loans - 2024-NEW
-
7.49%
75 Months
DetailsMinimum Loan: $1,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Motorcycle Loans - 2016-2019
-
7.99%
48 Months
DetailsMinimum Loan: $1,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Motorcycle Loans - 2020-2023
-
7.99%
75 Months
DetailsMinimum Loan: $1,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Motorcycle Loans - 2016-2019
-
8.49%
60 Months
DetailsMinimum Loan: $1,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
RV Loans - New
-
10.49%
72 months
DetailsNew RV; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
RV Loans - New
-
10.74%
84 months
DetailsNew RV; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
RV Loans - Used
-
11.24%
60 months
DetailsUsed RV; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
RV Loans - Used
-
11.74%
72 months
DetailsUsed RV; Apply Online
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.74% APR
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%
DetailsPublished APR range: 11.74% - 21.00%. Credit card; Rate** is APR; Advertised rate is the lowest available; Apply Online
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Greenwood Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
13.75%
Up to 12 Months
DetailsPublished APR range: 13.75% - 20.00%. APR depending on credit score; Loan Amount: Up to $10,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Personal Loan
14.25%
13 - 24 Months
DetailsPublished APR range: 14.25% - 20.85%. APR depending on credit score; Loan Amount: Up to $10,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 14.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Personal Loan
14.75%
25 - 36 Months
DetailsPublished APR range: 14.75% - 20.85%. APR depending on credit score; Loan Amount: Up to $10,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 14.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Personal Loan
15.75%
37 - 48 Months
DetailsPublished APR range: 15.75% - 20.85%. APR depending on credit score; Loan Amount: Up to $10,000.00; Apply Online
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 15.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Personal Bridge Loan
16.00%
Up to 3 Months
DetailsLoan Amount: Up to $1,020.00; Includes $20.00 application fee; Monthly auto debit from a Greenwood Credit Union deposit account receives a 0.25% discount; Weekly auto debit receives a 0.50% discount
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Personal Bridge Loan
18.00%
Up to 6 Months
DetailsLoan Amount: Up to $1,020.00; Includes $20.00 application fee; Monthly auto debit from a Greenwood Credit Union deposit account receives a 0.25% discount; Weekly auto debit receives a 0.50% discount
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Personal Bridge Loan
20.00%
Up to 12 Months
DetailsLoan Amount: Up to $1,020.00; Includes $20.00 application fee; Monthly auto debit from a Greenwood Credit Union deposit account receives a 0.25% discount; Weekly auto debit receives a 0.50% discount
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 20.00% APR · checked 5 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
View More
Home Heating Loan
-
-
9.50%
Up to 9 Months
DetailsLoan Amount: Up to $2,500.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Pet Expense Loan
-
-
12.49%
Up to 12 Months
DetailsPublished APR range: 12.49%- 15.49%. APR depending on credit score; Loan Amount: Up to $5,000.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Pet Expense Loan
-
-
12.74%
13 - 24 Months
DetailsPublished APR range: 12.74% - 15.74%. APR depending on credit score; Loan Amount: Up to $5,000.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Pet Expense Loan
-
-
12.99%
25 - 36 Months
DetailsPublished APR range: 12.99% - 16.24%. APR depending on credit score; Loan Amount: Up to $5,000.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
Pet Expense Loan
-
-
13.24%
37 - 48 Months
DetailsPublished APR range: 13.24% - 16.24%. APR depending on credit score; Loan Amount: Up to $5,000.00
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 13.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.24%
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.
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
6
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
Q2 2026 MBR Health & Safety Badge
Greenwood Credit Union earned the Verified Healthy badge
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Frequently Asked Questions About Greenwood Credit Union
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.
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.
Brian McKay
