Coastal1 Credit Union Smithfield RI | Top Business Banking & Auto Loans

Introduction

Welcome to Coastal1, your trusted partner in financial well-being, located at 379 Putnam Pike, Smithfield, RI 02917. Established in 1926, we have proudly served our community for nearly a century, growing together with our members. With over 140,061 valued members and assets totaling an impressive $3,350,306,012, we are committed to providing exceptional banking services tailored to your needs. At Coastal1, we believe in building strong relationships within our community. Our dedicated team of 293 employees, led by CEO Brian Azar and Board President Ronald LeClair, works tirelessly to ensure you have the best possible experience. We offer a range of services including personal banking, auto loans, mortgage options, business banking solutions, and online and mobile banking for your convenience. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be directed to our mailing address at 379 Putnam Pike, Smithfield, RI 02917-2401. As a member-focused credit union with a net worth of $342,716,812 and total deposits of $132,720,292, we prioritize your financial growth and security. Our commitment extends beyond just numbers; we aim to empower you through education and personalized service. If you're ready to take the next step towards achieving your financial goals or simply want to learn more about what we offer, don't hesitate to reach out! Give us a call at 401-349-3628 or visit our website at coastal1.org for more information. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to Coastal1, a credit union with deep roots and a vision for the future. Since our inception in 1926, we have proudly served the community of Smithfield, RI, fostering financial well-being and trust among our members. Our journey began with a small group of individuals who recognized the need for accessible financial services. Today, we stand as a thriving institution located at 379 Putnam Pike, right in the heart of Smithfield. Over the years, Coastal1 has evolved significantly while staying true to its mission: to provide exceptional financial services that empower our members and uplift our community. With a total membership exceeding 140,000 and assets amounting to over $3.35 billion, we have grown into a trusted partner for personal banking, auto loans, mortgages, and more. We are dedicated to supporting not just individual financial goals but also local initiatives that make our community stronger. Our branch is equipped with modern conveniences including ATM availability and drive-thru banking services. We understand the importance of accessibility; that's why we offer online and mobile banking options to ensure that you can manage your finances anytime, anywhere. Our operating hours reflect our commitment to serving you; we are open Monday through Saturday with extended hours on Fridays for your convenience. While members can visit us at 379 Putnam Pike, official correspondence should be sent to our mailing address at 379 Putnam Pike, Smithfield, RI 02917-2401. For any inquiries or assistance, feel free to contact us at (401) 349-3628. At Coastal1, we believe in making a positive impact beyond just transactions. Through partnerships with local organizations and community outreach programs, we strive to foster an environment where everyone can thrive financially. Our mission is clear: we exist to serve you our members by providing personalized solutions that meet your needs while contributing to the greater good of Smithfield. Join us today and experience the benefits of being part of something bigger than yourself. At Coastal1, together we can build a brighter financial future for you and our entire community!

Branch Location & Accessibility

Accessibility Features

At Coastal1, we understand the importance of accessibility. Our branch is equipped with ADA-compliant features including ramps and designated parking spaces. We strive to make every visit comfortable for all our members.

Connect With Us

Have questions or want more information? Don't hesitate to call us at 401-349-3628. Our friendly staff is here to help! Come visit us today at the Coastal1 Putnum Pike Branch where your financial journey begins!

Operating Hours

We're here when you need us! Our lobby hours are as follows: 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 until noon. If you prefer drive-thru service, we've got you covered with extended hours during the week and on Saturdays too!

Services Offered

At Coastal1 Putnum Pike Branch, we offer a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got something for everyone. Need cash? Enjoy easy access through our ATM available on-site. Plus, our drive-thru service allows for quick transactions without leaving your vehicle.

Member Eligibility

At Coastal1, we believe that everyone deserves a financial home where they can feel supported and valued. Joining our community is simple and welcoming! If you live, work, worship, or attend school in the area around 379 Putnam Pike Smithfield Ri 02917, you're likely eligible to become a member. We aim to create a friendly environment where you can access a range of services tailored just for you, from personal banking options to auto loans and mortgages. For more detailed information about eligibility criteria. Opening an account is an easy process that can be done online. You can find all the details on how to get started by visiting https://coastal1.mymortgage-online.com/loan-app/?siteid=4143219744&workflowid=188634. If you have any questions or need assistance, don't hesitate to reach out to us at (401) 349-3628. We're excited to welcome you into the Coastal1 family, where your financial goals are our priority!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

In today's fast-paced market, having reliable payment options is crucial. Our merchant services provide businesses with the tools they need to accept payments easily and securely. Whether it's credit card processing or online payment solutions, we ensure that your customers have a smooth experience at checkout. Located conveniently at 379 Putnam Pike Smithfield Ri 02917 in Smithfield, RI, we invite you to explore how Coastal1 can support your business journey. For more information, give us a call at (401) 349-3628. Let's turn your vision into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes time to buy a new car or refinance an existing loan, our Auto Loans & Vehicle Financing services make the process straightforward. Imagine driving off in your dream vehicle with terms that won't break the bank our flexible financing options are tailored just for you.

Business Banking Solutions

Entrepreneurs and business owners will find valuable resources through our Business Banking services. From merchant services that simplify transactions to business loans that fund growth initiatives, we're here to support your ambitions.

Convenient Access Points

For those who prefer in-person service, we also offer ATM and cash withdrawal services at our branch. If you're in a hurry, take advantage of our Basic Drive-Thru Banking, where deposits and withdrawals can be done quickly without stepping inside. At Coastal1, we believe in making banking not just accessible but enjoyable. Whether online or at our branch in Smithfield, RI, we invite you to explore all the ways we can help you achieve financial success. Visit us today or call us at (401) 349-3628 we look forward to serving you!

Embracing Technology with Online & Mobile Banking

In today's fast-paced world, having access to your accounts whenever you need it is essential. Our Online & Mobile Banking features allow you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. No more waiting in line; manage everything from your smartphone!

Home Sweet Home with Mortgage Solutions

Homeownership is within reach thanks to our comprehensive Mortgage Loans & Refinancing options. We know buying a home can be overwhelming, so our knowledgeable staff will guide you through every step, ensuring you find the best rates and terms available.

Personal Banking Made Easy

We understand that managing your finances should be simple and convenient. That's why we offer Personal Banking options that include checking and savings accounts designed to fit various lifestyles. Whether you're saving for a dream vacation or planning for unexpected expenses, we have the right account for you.

Rewarding Credit Card Options

For those who love earning rewards, our Credit Cards with Rewards program allows you to earn points on everyday purchases. It's like getting paid for spending money!

Support for Your Personal Financial Goals

If you're looking for extra cash flow or want to consolidate debt, our Personal Loans & Debt Consolidation offerings provide solutions that work with your budget. Our goal is to help you regain control over your finances without added stress.

Digital & Online Banking

Accessibility and Security

Your security is our priority. Our digital banking solutions are designed with multiple layers of protection to safeguard your information while offering you real-time account management. You can bank confidently knowing that we take every precaution necessary to protect your financial data. In summary, at Coastal1, our digital and online banking services are crafted for ease of use and accessibility. With features like mobile payments, e-statements, and round-the-clock online banking, managing your money has never been more convenient. Experience the ease of banking with us today!

Key Features

One of the standout features is the ability to manage your accounts through our mobile application. This app makes it simple to track spending, view transactions, and even make mobile payments all from the palm of your hand. Plus, with person-to-person transfers available, sending money to friends or family is quick and hassle-free. We also offer e-statements to keep you organized. You can easily access your statements online without the clutter of paper documents. Although we do not support electronic signature authorization at this time, we're committed to providing secure options for all our members.

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our current net income of $0, allowing 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 and committed team.

Growing Member Base

With a robust total of 223,200 share accounts, we have a strong and growing member base that trusts us with their finances. This trust fuels our ongoing commitment to improve services that cater directly to your needs. 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 379 Putnam Pike Smithfield RI 02917 or call 401-349-3628 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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.

Our 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 1027 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

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

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer 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. We provide flexible terms and fast approvals to ensure you can drive away in the vehicle you want without unnecessary stress.

Business Financing

For business owners, our outstanding commercial loans totaling $225,764,554 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are here to support your success. At Coastal1, we prioritize transparency and customer satisfaction. If you're interested in exploring refinancing options or checking your eligibility for any of our loan products, feel free to contact us at (401) 349-3628 or visit us at our branch located at 379 Putnam Pike Smithfield Ri 02917. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial aspirations!

Credit Lines and Personal Loans

For those needing extra flexibility, we offer credit lines totaling $1,422,344,553 that allow you to manage expenses as they arise. Additionally, we have various personal loan options tailored to your specific needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $187,443,259, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your current mortgage, our team will guide you through every step of the process.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards come with rewards and benefits designed to give you more value for your spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, making it easier to choose the best option for their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that all offers displayed are fair and transparent. Each loan comparison reflects accurate rates and terms, allowing users to trust the information they receive.

COASTAL1 CREDIT UNION - Smithfield, RI

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Smithfield, RI (02917)

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility Features

Connect With Us

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking Solutions

Convenient Access Points

Embracing Technology with Online & Mobile Banking

Home Sweet Home with Mortgage Solutions

Personal Banking Made Easy

Rewarding Credit Card Options

Support for Your Personal Financial Goals

Digital & Online Banking

Accessibility and Security

Key Features

Financial Strength

Commitment to Excellence

Growing Member Base

Member Savings and Investments

Our Financial Health

Reinvestment for Growth

Loan Offering

Auto Loans

Business Financing

Credit Lines and Personal Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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