Blackstone River Credit Union Woonsocket RI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Blackstone River, your trusted partner in financial wellness since 1961. Located at 10 Monument Sq, Woonsocket, RI 02895, we take pride in serving our community with a range of personalized banking solutions designed to meet your unique needs. With a robust membership of 4,404 and total assets amounting to an impressive $70,018,037, we are dedicated to providing exceptional service and support for all your financial goals. At Blackstone River, we understand that each member's journey is distinct. That's why we offer various services from checking and savings accounts to auto loans and mortgages, all tailored to ensure that you achieve your financial aspirations. Whether you're looking to buy a new vehicle or plan for the future, our experienced team is here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 10 Monument Sq, Woonsocket, RI 2895. Our friendly staff is ready to assist you during our operating hours: Monday through Wednesday from 9 AM to 4:30 PM, Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to noon. Led by our dedicated CEO James Wood and Board President Jean Gagnon, our team of 15 employees is committed to fostering a welcoming environment where every member feels valued. With a strong net worth of $7,466,638 and total deposits reaching $9,907,995, we are proud of our solid financial foundation that allows us to invest back into the community we serve. Join us at Blackstone River today! Explore the many ways we can help you thrive financially by visiting our website at blackstoneriverfcu.org or give us a call at 401-767-1990. Your path to better banking starts here!

Branch History & Mission

Our Mission

At Blackstone River, our mission is clear: we are committed to providing exceptional financial services while supporting the growth and development of our community. We believe that by empowering individuals with the right tools and resources, we can help them achieve their financial goals. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options, we strive to meet the unique needs of each member. Community outreach is at the core of what we do. We actively seek partnerships that foster economic development and support local initiatives. We understand that our success is intertwined with the well-being of those around us. While you can visit us at our branch address for all your banking needs, any official correspondence should be sent to our mailing address at 10 Monument Sq, Woonsocket, RI 2895. We invite you to become part of our family at Blackstone River. Join us today and experience the benefits of being a member-driven credit union focused on your financial success. For more information or to open an account, please call us at 401-767-1990 or visit our website at blackstoneriverfcu.org. Together, let's build a stronger community!

Our Story

Located at 10 Monument Square in the heart of Woonsocket, Blackstone River has evolved significantly since its inception. Initially founded to serve local employees and their families, our mission has always been to enhance the financial well-being of our members. As we expanded our reach and capabilities, we embraced technology and modern banking practices while staying true to our community-oriented values. Our branch features convenient amenities such as drive-thru banking and ATM availability, making it easier for members to access their funds when they need them most. We understand that life can be busy, which is why we offer flexible operating hours: Monday through Wednesday from 9 am to 4:30 pm, Thursday from 9 am to 5 pm, Friday from 9 am to 6 pm, and Saturday from 9 am to noon.

Branch Location & Accessibility

Convenient Access

Finding us is simple! We are situated near local landmarks that many residents know well, making your journey straightforward. Whether you're coming from nearby shops or just passing through town, our branch is easily accessible. Plus, there's ample parking available, ensuring that you can quickly pop in without any hassle. If you need to send us official correspondence, please note that you can do so at the same address: 10 Monument Sq, Woonsocket, RI 2895.

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours: - Monday to Wednesday: 9 AM to 4:30 PM - Thursday: 9 AM to 5 PM - Friday: 9 AM to 6 PM - Saturday: 9 AM to noon Whether you're looking to open a new account or need assistance with a loan application, our friendly staff is here to help during these hours.

Services Offered

We offer a variety of services aimed at making your banking experience seamless. From personal checking and savings accounts to auto loans and mortgage options, we have something for everyone. You'll also find convenient drive-thru banking for quick transactions and ATM access available on-site for your cash withdrawal needs. With our commitment to providing exceptional service and support, we invite you to stop by or call us at 401-767-1990. Our team is eager to assist you with all your banking needs. Come see how Blackstone River can help you achieve your financial goals!

Welcoming Environment

At Blackstone River, we prioritize convenience for all our members. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone can enjoy our services comfortably.

Member Eligibility

At Blackstone River, we believe that becoming a member is like joining a caring family that supports your financial journey. If you live, work, worship, or attend school in the Woonsocket area, you're already on your way to membership! This means you can easily access our wide range of services designed to help you thrive. Whether you're looking for checking accounts, loans, or personalized financial advice, our community is here for you. For more detailed information about eligibility criteria, feel free to check out this link. Getting started with us is simple! Just visit us at 10 Monument Sq Woonsocket Ri 02895 or give us a call at (401) 767-1990 to learn how to open an account. You can also find all the steps needed to apply online by visiting this page. We can't wait to welcome you into our community and help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business smoothly, where payment processing is easy and efficient. Our merchant services help you accept payments seamlessly, whether online or in-person. This means you can focus more on what you do best growing your business. From point-of-sale systems to mobile payment options, we provide the tools you need to thrive. If you're ready to explore how our business banking services can benefit you, visit us at 10 Monument Sq Woonsocket Ri 02895 in Woonsocket, RI, or call us at (401) 767-1990. Let's work together to turn your business goals into reality!

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential tools such as Merchant Services & Business Loans designed to help your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking solutions that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, with our ATM and cash withdrawal services available at various locations, accessing your money has never been easier.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions but want quick service, our Basic Drive-Thru Banking allows for deposits, withdrawals, and simple transactions without leaving your car. We also have reliable ATM access for balance checks and cash withdrawals to ensure you have the flexibility you need. At Blackstone River, we prioritize making banking easy and accessible. Our commitment extends beyond just providing services; we strive to build lasting relationships with our members by understanding their needs and helping them achieve their financial goals. Ready to explore how we can assist you further? Call us at 401-767-1990 or visit us online at Blackstone River to learn more about how our services can benefit you today!

Personal Banking Solutions

Our personal banking services include Checking & Savings Accounts tailored to fit your lifestyle and help you manage your finances effectively. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing offer competitive rates to get you on the road quickly. We also provide Mortgage Loans & Refinancing options for those looking to purchase their dream home or refinance their existing mortgage for better terms. For individuals needing extra funds, our Personal Loans & Debt Consolidation services can help ease financial burdens. And if you're looking for rewards on your purchases, check out our Credit Cards with Rewards program that makes spending more rewarding.

Digital & Online Banking

Always Available

With 24/7 online banking, you can manage your finances whenever it suits you. No more rushing to the bank before closing time! Whether it's checking your balance late at night or transferring funds during your lunch break, we've got you covered. Join us at Blackstone River today and experience the ease of digital banking tailored just for you!

Key Services

Our online banking services, available at https://www.blackstoneriverfcu.org/, allow you to check balances, transfer funds, and pay bills all from the comfort of your home or on the go. You can also enjoy E-Statements, which provide a quick and eco-friendly way to keep track of your account activity without the clutter of paper statements. Plus, our mobile application gives you on-the-go access to all these features, making banking not just easy but also accessible right from your smartphone.

Security and Usability

Your security is our top priority. While we do not currently offer electronic signature authorization, we ensure that all transactions are protected with advanced encryption technology. This means you can bank online with confidence, knowing that your information is safe. We also prioritize user-friendliness in all our offerings. Whether you're new to online banking or a seasoned pro, our intuitive interface makes it simple to navigate through your options. Need to send money to a friend? Our person-to-person transfers feature simplifies that process though please note that this service is not currently available at Blackstone River.

Financial Strength

A Growing Community

Total Share Accounts: 8,993, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Blackstone River is your trusted partner. Visit us at 10 Monument Sq Woonsocket Ri 02895 or call (401) 767-1990 to learn more about how we can help you achieve your financial goals.

Commitment to Service

Our operational efficiency is reflected in our $156,254, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $10,425,475 in share certificates and $11,348,431 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting in Our Future

With $6,683,982 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; with $2,652 in used auto loans and $27,566,567 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Position

With a net worth of $7,466,638, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.66% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,156,585 in used vehicle loans and $5,155,092 in new vehicle loans already helping members get on the road. Whether you need financing for a brand-new vehicle or a reliable used car, our team is ready to assist you.

Credit Lines and Personal Loans

For those looking for flexibility in managing expenses, our credit lines total $3,510,000. This means you can borrow as needed while only paying interest on what you use. Additionally, we provide unsecured credit card loans to help manage everyday purchases effectively. If you're considering refinancing your existing loans or exploring eligibility options for our various products, don't hesitate to reach out. Our knowledgeable staff at Blackstone River is here to guide you through every step of the process. To learn more about our loan offerings or to speak with a representative about your options, feel free to contact us at 401-767-1990 or visit us at 10 Monument Sq Woonsocket RI 02895. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial goals are important to us; let's work together to turn them into reality!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,296,235, make buying or refinancing simple. We provide competitive rates and terms that can fit into your budget.

Loan Aggregator

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BLACKSTONE RIVER FEDERAL CREDIT UNION - Woonsocket, RI

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