What Members In Rhode Island Are Saying
I have always had trouble finding a great bank but ever since Ive been with Navigant credit Union Ive had nothing but praise to say.
I love Greenwood C.U. best bank in R.I. The people are excellent.Tellers, Loan Officers everyone. The credit card rates are the absolute best anywhere. I have had auto loans, savings, and credit with them for years. Cannot recommend enough
….I previously was a member of two other credit unions and have been a member of Bank of America. None of these compare to PGE Federal Credit Union. They are a small bank and so they know you on a one-on-one basis and treat you with the utmost respect. In addition to this, they are willing to work with you to get you what is best for you. Just refinanced my car through them and they gave me a deal! I can’t say enough good things.
I have been a member of Rhode Island Credit Union for more than 30 years and have always been satisfied. Today was no exception at the Cranston branch. Although they were busy, the staff as always were very pleasant and helpful. Highly recommend!
Business Checking Account Types
Best Credit Unions In Rhode Island
There are 21 credit unions that have a branch in Rhode Island. They serve 17 different cities, towns, or villages, 5 different counties, and 0 different zip codes.
20 of Rhode Island credit unions offer Auto Loans, 18 offer Checking Accounts, 5 offer Credit Cards, 16 offer Debit Cards, 13 offer a Mobile App, 3 offer Mobile Check Deposit, 12 offer Mortgage Loans, 14 offer Online Banking.
Below is a directory of the best credit union’s main office locations based in Rhode Island. Click on a credit union’s name for details including a membership application, eligibility, services offered, contact info, map of branches and ATMs.
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Rhode Island Credit Union Q& a
Find out if you are eligible to join Rhode Island Credit Union.
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Earn 150% Apy2 With A New
With CommonWealth, there are no annual fees, loan processing fee, or early closure fees and no pre-payment penalties.
Borrower is responsible for closing costs ranging from $450 to $1,500 including appraisal and escrow.
Real Estate loans are available for owner-occupied properties in the state of California only.
A Home Equity Loan is often referred to as a Second Mortgage.
This is a great choice for one-time planned expenses or to consolidate debt.
- Borrow up to 80% of the equity in your property
- Loan amounts from $10,000 to $500,000
- Payments over 7 years, 15 years, or 20 years
- Receive the entire loan amount as a lump sum
Take advantage of rates as low as 4.50% APR4 for a 7-year term.
A Home Equity Line of Credit is often referred to as a HELOC.
This is a great option if youre looking to be able to take out money at various times when you need it
- Borrow up to 80% of the equity in your property
- Loan amounts from $10,000 to $500,000
- 10-year draw and a 20-year repayment period
- Low interest-only payment options
Enjoy a low introductory rate of only 2.99% APR3 fixed for the first 24 months, and as low as 6.25% APR3 thereafter!
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Important: Face Masks Are Required When Conducting In Person Transactions
We are open for business. Per the state-wide effort to slow the spread of COVID â 19, our lobby access will be limited to appointment only for everyoneâs safety. We encourage you to utilize our electronic services including ATMs, and our free online banking to view transactions, check balances, make payments, transfer money, deposit checks and more. Teller transactions including Shared Branching can be conducted at the drive-up window.
*Coin transactions will have to be done in the lobby by appointment only.
If you would like to come in and complete a loan application, mortgage transaction or IRA transaction please contact the credit union by calling 438-7788 to make an appointment.
For your convenience, our drive-up hours at our location will remain:
- Monday through Thursday 9:00am to 4:30pm
- Friday 9:00am to 6:00pm
How Do I Open A Deposit Account Online If I Am Not A Member
If you are not currently a member, you can request to open a single ownership personal account through our website. Please choose the account you want to open from the appropriate product page. This process can take a few business days to review and complete, and the account must be funded electronically with your existing deposit account at your current financial institution.
Recommended Reading: Collins Community Credit Union North Liberty
Rhode Island Credit Unions
Rhode Island has about 18 different credit unions with NAVIGANT CREDIT UNION being the largest credit union in Rhode Islandhaving more than $3.22 billion in total assets and over 126,647 members.
| Community credit unions, urban or rural, other than those designated ‘low income’ | $71,780,395 |
| Community credit unions, urban or rural, other than those designated ‘low income’ | $35,349,304 |
| Multiple common bond – Primarily federal, state, local government | $8,472,469 |
| Multiple common bond – Primarily federal, state, local government | $7,238,614 |
| Multiple common bond – Primarily federal, state, local government | $6,417,730 |
| Multiple common bond – Primarily federal, state, local government | $54,972,672 |
| Community credit unions, urban or rural, other than those designated ‘low income’ | $147,090,034 |
| Community credit unions, urban or rural, other than those designated ‘low income’ | $15,902,091 |
Verification Process Step Two
On step two of the verification process, the system will ask how you would like to receive your password reset. You have the option of a text, an email, or a voice call.
Where should we send a temporary password?
- Choose the contact method you would like to be contacted at for a temporary password.
The next step confirms the delivery details that were sent to move forward, select Continue.
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Rhode Island Credit Union
Rhode Island Credit Union was chartered on Aug. 27, 1946. Headquartered in Providence, RI, it has assets in the amount of $246,997,180. Its 24,969 members are served from 6 locations. Deposits in Rhode Island Credit Union are insured by NCUA.
| Chartered On: |
| Federally Insured State-Chartered Credit Union |
- Home Banking via Internet Website
- Investments not authorized by the FCU Act
Rhode Island Credit Union Locations & Hours
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I mail my payments in. So far I made the great mistakeof sending a direct deposit form. I already sent in my payment on September 03. I spoke to someone named Jenine I told her I had already sent the payment for this month. I sent the bank statementto begin payments FOR OCTOBER 2016.I was just charged another $192.15 plus 35. fee for an OVERDRAFT. I had $25. left for my Medicine & GAS money for the next two weeks, all that is gone.I am retired. I only get a small Social Security checkonce a month. In the next 2 weeks, due to this errorI will accrue another $70 in late fees.Kindly return that $$$money to Bank America it isneither YOURS nor MINE.Thank you for your understanding. Ruth A. Jacobs
What Holidays Does The Credit Union Observe
Peoples Credit Union observes most Federal and State holidays. These include New Years Day, Martin Luther King, Jr. Day, Presidents Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas Day. We will post the specific dates in advance at our branches and on our website.
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How Do I Transfer Funds To My New Account
Its actually very easy to transfer money from another financial institution if they allow external transfers. To transfer funds from another financial institution, log into your account with that bank/credit union, select the option to transfer funds to another financial institution and enter CommonWealths routing number 321176794 and your account number
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Min. Balance Required to Avoid Monthly Fee |
None |
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or with average daily balance of $600 ormore) |
or with average daily balance of $2,500 ormore) |
Register For Online Banking
Register for your individual or business banking.
Once you choose to register you will be directed to disclosures in order to proceed. Agree and select Continue.
You will need to confirm your identity by inputting your full social security number or Tax ID, birthday, last name and email. Select Continue.
Next you will choose your password which must be at least eight characters in length, contain at least one lowercase letter, at least one uppercase letter, at least one special character, and at least one number.
Next you will authenticate and provide your security information and confirm your contact information.
You will then be registered and ready to start banking!
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