Coastal1 Credit Union Cranston RI | Best Auto Loans & Personal Banking

Introduction

Welcome to Coastal1, your trusted partner in financial services since 1926! Located at 96 Independence Way, Cranston, RI 02921, our branch is dedicated to fostering a sense of community and providing personalized banking solutions tailored to your needs. With over 140,061 members and total assets exceeding $3.35 billion, we are proud to support individuals and families in achieving their financial goals. At Coastal1, we understand that each member's journey is unique. That's why we offer a wide array of services from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our commitment to you goes beyond just numbers; it's about building relationships based on trust and reliability. Under the leadership of our CEO, Brian Azar, and Board President, Ronald LeClair, our team of 293 employees is here to assist you every step of the way. We work hard to maintain a strong financial standing with total deposits of $132,720,292 and a net worth of $342,716,812, ensuring that your money is safe and growing. While members can visit us at our branch for face-to-face assistance, official correspondence should be sent to the same address: 96 Independence Way, Cranston, RI 02921-2044. If you have any questions or need assistance, don't hesitate to call us at 401-942-0312. We invite you to explore our website at Coastal1 for more information on how we can help you achieve financial success. Whether you're looking for personal banking solutions or business financing options, we're here for you! Visit us today or give us a call let's start this journey together!

Branch History & Mission

At Coastal1, located at 96 Independence Way in Cranston, RI, we take pride in our rich history and commitment to serving our community. Since opening our doors in 1926, we have grown from a small local credit union into a vital financial institution with over 140,000 members and assets totaling more than $3.35 billion. Our journey has been marked by a dedication to providing exceptional financial services while fostering strong community ties. Our mission is simple yet profound: to empower our members to achieve their financial goals while supporting the communities we serve. We focus on personal banking solutions, including checking and savings accounts, auto loans, mortgages, and business banking services. Beyond just finances, we strive to make a positive impact through various community outreach programs and partnerships that support local initiatives. As we reflect on our evolution over nearly a century, key milestones stand out expanding our services to include online and mobile banking for the convenience of our members and maintaining a commitment to accessibility with ADA-compliant facilities. We are proud to offer features such as drive-thru banking and ATM services for added convenience. While members can visit us at 96 Independence Way for all their banking needs, official correspondence should be sent to the same address. Our branch operates with flexible hours: Monday through Wednesday from 9:00 AM to 4:00 PM, Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. We invite you to join Coastal1 and experience the benefits of membership firsthand. Whether you're looking for financial products tailored just for you or seeking ways to engage with your community, Coastal1 is here for you every step of the way. Together, let's build a brighter financial future! For more information or assistance, feel free to reach us at (401) 942-0312.

Branch Location & Accessibility

Convenient Access and Amenities

Parking is readily available for our members right outside the branch, making it easy to stop by whenever you need. We are committed to ensuring everyone can access our services comfortably; thus, our facility features ADA-compliant entrances and ramps for those who may require additional assistance. Our operating hours are designed with your convenience in mind. You can visit us during lobby hours from Monday to Wednesday from 9:00 am to 4:00 pm, on Thursdays until 5:00 pm, and Fridays until 6:00 pm. We also welcome you on Saturdays from 9:00 am to noon! If you're in a hurry or prefer not to enter the building, take advantage of our drive-thru service which operates during similar hours.

Services Tailored for You

At Coastal1, we pride ourselves on offering a range of services tailored to meet your financial needs. From personal banking services like checking and savings accounts to auto loans and mortgages, we have options that fit your lifestyle. Plus, with ATM availability right here at the branch, you can withdraw cash or check your balance anytime. Feel free to give us a call at 401-942-0312 if you have any questions or need assistance before visiting. We're excited to help you achieve your financial goals! Stop by today and experience the welcoming service that makes Coastal1 more than just a credit union it's your partner in financial success!

Member Eligibility

At Coastal1, becoming a member is like stepping into a community where your financial goals are understood and supported. We welcome anyone who lives, works, or worships in our service area to join us. Plus, if you have family members already with us, you can easily become a member too! This inclusive approach ensures that everyone can benefit from our range of services, including personal and auto loans, checking and savings accounts, and more. By choosing Coastal1, you're not just opening an account; you're gaining access to personalized service and great financial products tailored to your needs. Ready to join? The process is straightforward! You can find all the details about eligibility criteria on our website. If you're eager to get started right away, just visit our account opening page at https://coastal1.mymortgage-online.com/loan-app/?siteid=4143219744&workflowid=188634. Should you have any questions or need assistance, feel free to give us a call at (401) 942-0312. We can't wait to welcome you into our family at Coastal1, located at 96 Independence Way Cranston Ri 02921!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Every great business starts with a vision, and sometimes that vision needs a financial boost. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $370 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $225,764,554, we continue to drive economic growth by financing new and expanding businesses. Whether you're looking to expand your operations or invest in new equipment, our commercial loans can provide the capital you need.

Merchant Services for Everyday Transactions

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine being able to accept payments from customers seamlessly, whether in-store or online. With our services, you can focus on what really matters growing your business while we handle the transactions. Ready to take the next step? Visit us at 96 Independence Way Cranston Ri 02921 or call us at (401) 942-0312 today!

Comprehensive List Of Services

Credit Cards with Rewards

To enhance your spending power, consider our Credit Cards with Rewards. These cards not only provide convenience but also allow you to earn rewards on everyday purchases, making it easier for you to enjoy life while saving money.

Digital Banking Features

In today's fast-paced world, having access to banking services at your fingertips is essential. At Coastal1, we offer robust Online & Mobile Banking features so that managing your finances is easier than ever. Our ATM & Cash Withdrawal Services ensure that cash is always within reach whenever you need it.

Drive-Thru Convenience

For those who prefer face-to-face interactions but have tight schedules, our Basic Drive-Thru Banking allows for quick Deposits, Withdrawals, and simple transactions without having to leave your vehicle. Plus, with Basic ATM Access available for withdrawals and balance checks, you'll find that accessing your money has never been more convenient. No matter what financial service you need, Coastal1 is here to support you. Visit us today at 96 Independence Way Cranston Ri 02921 or give us a call at (401) 942-0312. We look forward to serving you!

Home Financing Options

Homeownership is a significant goal for many of our members. That's why we provide Mortgage Loans & Refinancing services that cater to both first-time buyers and seasoned homeowners looking to refinance their existing loans. Our knowledgeable staff will guide you through the process, making it as straightforward as possible.

Personal Banking Solutions

Starting with personal banking, we offer various options such as Checking and Savings Accounts designed to fit different lifestyles. You can easily manage your accounts online or through our mobile app, ensuring you have access to your funds wherever you are. If you're in the market for a new car, our Auto Loans & Vehicle Financing make it simple to drive off with your dream vehicle. With competitive rates and flexible terms, we help you find a financing plan that works for you.

Personal and Business Loans

If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation options can give you the financial relief you need. For those running a business, we also offer Business Banking services that include Merchant Services & Business Loans. We understand the unique challenges small businesses face and are committed to helping you thrive.

Digital & Online Banking

At Coastal1, we know how important it is for our members to manage their finances conveniently and securely. That's why we offer a range of digital and online banking services designed to fit your lifestyle. Whether you're at home or on the go, accessing your accounts has never been easier. With our 24/7 Online Banking Services, you can check your balance, transfer funds, and pay bills anytime through our website at https://www.coastal1.org/. It's like having a branch in your pocket! Plus, our user-friendly Mobile Application makes banking even simpler. You can download it to manage your accounts right from your smartphone. Need to send money to a friend? Our Person-to-Person Transfers feature lets you do just that without any hassle. You can quickly send or receive money with just a few taps, making splitting bills or sending gifts super easy. For those who prefer going paperless, we offer E-Statements so you can view your account statements online whenever you need them. This helps you stay organized while also being eco-friendly! Security is a top priority for us. While we currently do not offer Electronic Signature Authorization, rest assured that our systems are designed with robust security measures to keep your information safe as you bank online. And if you're someone who loves using mobile payment options, you'll be pleased to know that we support Mobile Payments. Now you can make purchases directly from your phone without needing cash or cards. At Coastal1, we're committed to providing accessible banking solutions that empower you to take control of your finances anytime, anywhere. Visit us today at https://www.coastal1.org/ and explore all the ways our digital banking services can simplify your life!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 223,200, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $6,864,585. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Coastal1 is your trusted partner. Visit us at 96 Independence Way Cranston Ri 02921 or call (401) 942-0312 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $339,414,636 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $28,499 in used auto loans and $2,903,238,744 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $1,245,841,680 in share certificates and $425,772,446 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $20,345,752, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $4,149,278, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 288 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $342,716,812, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.27% 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 provide some of the lowest rates in the industry, with over $507,531,724 in used vehicle loans and $208,687,247 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have flexible options designed just for you.

Business Financing

For business owners, our outstanding commercial loans totaling $225,764,554 provide the capital needed to grow and expand your business. We understand the challenges of running a business and are here to support your journey with tailored solutions that suit your needs. We also offer refinancing options for those looking to lower their monthly payments or tap into their home equity for other expenses. If you're curious about eligibility or want more information about our offerings, feel free to reach out at (401) 942-0312 or visit us at our branch located at 96 Independence Way Cranston Ri 02921 in Cranston, RI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Coastal1, we're dedicated to helping you navigate your financial journey with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $187,443,259, which means you can find a loan that fits your budget and lifestyle. Our knowledgeable staff is here to guide you through the process and answer any questions you might have.

Unsecured Credit Card Loans

Managing finances can sometimes be tricky, but our unsecured credit card loans can help. With a total of $0 in loans available, we provide flexible terms to assist you in managing your expenses effectively. Whether you're looking to consolidate debt or cover unexpected costs, our credit card options can be an invaluable resource.

Loan Aggregator

Benefits of Using LendMesh

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COASTAL1 CREDIT UNION - Cranston, RI

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Cranston, RI (02921)

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access and Amenities

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Merchant Services for Everyday Transactions

Comprehensive List Of Services

Credit Cards with Rewards

Digital Banking Features

Drive-Thru Convenience

Home Financing Options

Personal Banking Solutions

Personal and Business Loans

Digital & Online Banking

Financial Strength

A Growing Community

Commitment to Growth

Member-Centric Savings Options

Operational Efficiency

Solid Financial Health

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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