GCU History

Greenwood Credit Union has a long history of providing high quality financial services to individuals and families throughout Warwick, Kent County, the State of Rhode Island and beyond.  Founded in 1948, Greenwood Credit Union has always shown a strong commitment to the financial well-being of the families, businesses and communities that we serve.

Over the years Greenwood Credit Union has shown steady positive growth and is now over $400 million in total assets and continuing to grow.  We have always strived to provide the highest interest rates to our depositors while maintaining extremely competitive rates on our loan products. This delicate balance has proved to be a key to the success of the credit union, not only financially but more importantly from a member satisfaction perspective.

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Membership Info

Greenwood Credit Union membership is open to everyone. To become a member of Greenwood Credit Union and take advantage of all our great products and services you must open and maintain a Share Account with a minimum of a $5.00 balance.

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Branch Locations and Hours of Operation
Greenwood Credit Union 2669 Post Road
Warwick, RI 02886 | map
Main Phone Number 401-739-4600
Toll Free Number 866-739-9121
Hours of Operation
Branch Lobby Hours
Monday – Wednesday 9:00 am – 4:00 pm
Thursday 9:00 am – 5:00 pm
Friday 9:00 am – 7:00 pm
Drive-Up Window Hours
Monday 8:00 am – 4:00 pm
Tuesday – Wednesday 9:00 am – 4:00 pm
Thursday 9:00 am – 5:00 pm
Friday 8:00 am – 7:00 pm
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ATM Locations

Greenwood Credit Union has two ATM’s available on the premises at 2669 Post Road, Warwick, RI but understanding our member’s needs we are also part of an ATM network which provides free ATM access to all our members at many locations.  To see a listing of free ATM’s which you can use, please click here.

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GCU News and Alerts


Greenwood Credit Union Receives
National Recognition;
Members Benefits Outstanding Service Award

Warwick, RI—Warwick, RI-based Greenwood Credit Union (GCU) is proud to announce that it has been honored by the Credit Union National Association, Inc. (CUNA) for being among the nation’s best in providing direct financial benefits to members. “These benefits arise from GCU’s low loan interest rates, higher-than average deposit yields, and also from the practice of imposing fewer or lower fees compared to banking institutions, “ says Cheryl Sorenson, Manager, Conference and Meetings, CUNA Councils. According to CUNA estimates, based on information recently supplied by the GCU staff, Greenwood Credit Union delivers a direct benefit of $252 per member household.

Joe Lajoie, Chief Financial Officer for GCU, was on hand at the 2013 CFO Council Conference in Phoenix, to receive the Member Benefits Outstanding Service Award on behalf of Greenwood Credit Union, in recognition of this achievement.

“I always thought GCU did more for its members than any other financial institution, and it’s nice to have an independent validation from CUNA. We rank first among credit unions under $400 million, and we are proud of that record as well as of the recognition,” comments Mr. Lajoie.

(L-R); Accepting the Award at the Credit Union National Association (CUNA) Conference Luncheon on behalf of GCU, is Chief Financial Officer, Joe Lajoie, with Jeanne Sheahan, Director of Research Services, Credit Union National Association





New Year's Day
1st day of January
  Friday, January 1st
Martin Luther King Jr. Day
3rd Monday in January
  Monday, January 18th
Presidents’ Day
3rd Monday in February
  Monday, February 15th
Memorial Day
Last Monday of May
  Monday, May 30th
Independence Day
4th of July
  Monday, July 4th
Victory Day
2nd Monday in August
  Monday, August 8th
Labor Day
1st Monday in September
  Monday, September 5th
Columbus Day
2nd Monday in October
  Monday, October 10th
Veteran's Day
November 11th
  Friday, November 11th
Thanksgiving Day
4th Thursday in November
  Thursday, November 24th
Christmas Day*
December 25th
  Monday, December 26th*

* When a legal holiday falls on a Sunday, it shall be observed on the day following.

** When a legal holiday falls on a Saturday it will be observed as a Floating Holiday.



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GCU Alerts


FRAUD ALERT: Many Rhode Island residents are receiving fraudulent phone calls attempting to convince them their debit card has been compromised. The calls are random in nature and you may receive one whether you have a debit card or not. The key to recognizing it is bogus is that the caller will ask for the card number. No one connected to Greenwood Credit Union will ever ask you for your card number. If you receive a call of this nature, do not give them any information and contact us as soon as possible. Please note that this scam is not targeting Greenwood Credit Union members specifically. Other financial institutions are experiencing the same issue. If you have received this call and have provided your debit card number to the fraudsters, please immediately call our call center at 401-739-4600 to report the issue so that your card can be blocked and a new card issued.


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GCU Newsletters

Message from the President. Spring is here and with it brings a focus on new ideas and improvements. At GCU, soon there will be a new, responsive website, and a long-awaited launch of email campaigns. There also will be new loan products, a few fund-raising walks, bowl-a-thons, and candy sales to support worthwhile organizations.


Click here to read more or download our Spring 2016 newsletter

Message from the President. 2015 proved to be another excellent year for GCU. Earnings were very good and loan growth outstanding. As a result, we were able to continue to provide our members with some of the best deposit rates and lowest fees in the country.


Click here to read more or download our Winter 2015 newsletter

Fall 2015 Message from the President. Just a quick update… Your credit union had a great summer. Loan volume has been outstanding and interest rates are still low. If you haven’t taken advantage of the low rates, it’s not too late to apply for that mortgage, home equity or car loan. The Federal Open Market Committee (FMOC) continues to delay any increase in interest rates, but it certainly seems that an uptick is near.

Click here to read more or download our Fall 2015 newsletter

Message from the President. I’m pleased to report that our annual meeting was again a success, and the financial report further indicates that we are doing what’s right for our members. Of course, I’m always happy to share the news that we continue to hear from you that we are serving your needs.

Click here to read more or download our Summer 2015 newsletter

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GCU Annual Report
Click here to read more or download our 2015 Annual Report
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Employment Opportunities


No job postings at this time.

Greenwood Credit Union is an Equal Opportunity/Affirmative Action Employer and therefore provides equal employment and advancement opportunities to all employees and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

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Routing and Transit Number

GCU Routing and Transit Number:  211590671


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