Coastal1 Credit Union Warwick RI | Low Mortgage Rates & Business Banking

Introduction

Welcome to Coastal1 at our Post Road Branch in beautiful Warwick, RI! Established in 1926, we have proudly served our community for nearly a century, cultivating trust and reliability among our 140,061 members. Our commitment to your financial well-being is reflected in our impressive total assets of $3,350,306,012, and we remain dedicated to providing top-notch personal and business banking services. Located at 3319 Post Rd, Warwick, RI 02886, our branch is your go-to destination for a variety of services including checking and savings accounts, auto loans, mortgage options, personal loans, and much more. While you can visit us at this address for all your banking needs, please direct any official correspondence to our mailing address: 3319 Post Rd, Warwick, RI 02886-7145. Under the leadership of our CEO Brian Azar and Board President Ronald LeClair, we strive to make banking as accessible and friendly as possible. With a team of 293 employees, we are here to support you with services like online banking, mobile payments, and ATM access all designed to fit your busy lifestyle. At Coastal1, we're not just about numbers; we genuinely care about the community. With total loans exceeding 55,242 and deposits amounting to $132,720,292, we work tirelessly to help you achieve your financial goals. Our net worth stands strong at $342,716,812, ensuring that we are stable and ready to assist you when you need it most. So why wait? Whether you're looking for a loan or simply want to explore your options in personal finance, we're here for you. Feel free to call us at 401-736-0837 or visit our website at coastal1.org for more information. Join us today in making your financial dreams a reality!

Branch History & Mission

At Coastal1, we take pride in our rich history and unwavering commitment to our community. Founded in 1926, our Post Road Branch in Warwick, RI has grown alongside the members we serve. Over the decades, we have become more than just a credit union; we are a cornerstone of support for families and businesses in our vibrant community. From our humble beginnings, Coastal1 has evolved into a trusted financial partner with total assets exceeding $3.3 billion and a membership that now surpasses 140,000 individuals. Located at 3319 Post Rd Warwick, RI 02886, our branch is conveniently situated near local landmarks that make it easy for members to access our services. Whether you're stopping by for personal banking needs or seeking guidance on loans and investments, we are here to help. Our mission is simple yet profound: to provide accessible financial services while fostering community growth and well-being. We believe that everyone deserves the opportunity to achieve their financial goals. This belief drives us to offer a wide range of products from checking and savings accounts to auto loans and business banking solutions tailored to meet diverse needs. While members can visit us at 3319 Post Rd, official correspondence should be sent to our mailing address at 3319 Post Rd, Warwick, RI 02886-7145. We understand that convenience matters, which is why we offer both ATM availability and drive-thru banking options. Our operating hours are designed with your schedule in mind: Monday through Wednesday from 9:00 am to 4:00 pm, Thursday until 5:00 pm, Friday until 6:00 pm, and Saturday from 9:00 am to noon. Coastal1 believes in embracing technology to enhance member experience while ensuring ADA compliance for accessibility. Our digital offerings include online banking and mobile payments, making it easier for you to manage your finances from anywhere. Community outreach is at the heart of what we do. We actively partner with local organizations to support various initiatives that uplift our neighborhoods. From educational workshops on financial literacy to sponsorships of local events, we are dedicated to making a positive impact. Join us at Coastal1 and experience firsthand how we can support your financial journey while contributing positively to the community around us. Together, let's build a brighter future! For more information or assistance, feel free to reach out at 401-736-0837 or visit us online at Coastal1.

Branch Location & Accessibility

A Range of Services at Your Fingertips

Coastal1 is more than just a place to deposit your checks; we offer a wide variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. With an ATM available on-site, accessing your funds has never been easier. While you can visit us at our branch address for all your banking needs, if you need to send official correspondence, please use our mailing address at 3319 Post Rd, Warwick, RI 02886-7145. We invite you to come see how we can support your financial journey. Give us a call at 401-736-0837 or stop by during our convenient hours we look forward to welcoming you!

Convenient Access

At Coastal1, we understand that life can get busy. That's why we offer ample parking right outside our doors, along with ADA-compliant features to ensure everyone can visit us comfortably. Whether you're stopping by for a quick transaction or seeking assistance with one of our many services, you'll find it easy to navigate our space.

Operating Hours That Fit Your Schedule

Our lobby hours are tailored to meet your needs: we're open Monday through Wednesday from 9:00 AM to 4:00 PM, with extended hours until 6:00 PM on Fridays and a half-day on Saturdays from 9:00 AM to 12:00 PM. If you prefer the convenience of drive-thru banking, we're here for you as well our drive-thru service operates Monday through Wednesday from 8:00 AM to 4:00 PM and offers extended hours on Friday until 6:00 PM.

Member Eligibility

Joining the Coastal1 community opens the door to a supportive network where you can thrive financially. Becoming a member is simple and welcoming. If you live, work, or worship in Rhode Island, you're likely eligible to join us at our branch located at 3319 Post Rd, Warwick, RI 02886. We believe in making banking accessible for everyone, so whether you're looking for personal loans, auto financing, or business services, we're here to help. You can find more detailed information about eligibility by visiting our website here. Ready to take the next step? Opening an account with Coastal1 is straightforward and convenient. Just follow the link to start your application process online: Account Opening. If you have any questions or need assistance along the way, feel free to reach out to us at 401-736-0837. We look forward to welcoming you into our vibrant community!

Business Banking & Commercial Services

Financing Your Growth

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 That Work for You

Imagine a solution that simplifies your payment processing while enhancing customer experience. Our merchant services provide just that. By integrating reliable payment systems into your operations, you can focus on what really matters growing your business. From easy credit card processing to online payment solutions, we help streamline transactions so you can serve your customers better. Whether you're exploring financing options or looking for efficient merchant services, Coastal1 is here to support your journey toward success. Visit us at 3319 Post Rd Warwick Ri 02886 or give us a call at (401) 736-0837 to learn more about how we can assist you today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATMs are available 24/7 for withdrawals and balance checks without any hassle. Plus, with our drive-thru banking option at Coastal1, simple transactions like deposits and withdrawals can be completed quickly without leaving your car. We invite you to explore all these services and more at our branch located at 3319 Post Rd Warwick Ri 02886 in Warwick, RI. For any questions or assistance, feel free to reach out to us at (401) 736-0837. Our friendly staff is ready to assist you with all your financial needs! Visit us today or check out more information on our website at Post Road Branch.

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options are perfect for you. We understand that buying a car is a big decision. That's why we offer flexible terms and personalized service to ensure you find the best deal that fits your budget.

Business Banking

For local entrepreneurs and businesses, our business banking services include merchant services and business loans tailored to help you grow. We know how important it is to have reliable financial support as you manage operations and plan for expansion.

Credit Cards with Rewards

With our credit cards featuring rewards programs, you can earn points on everyday purchases! From groceries to gas, every swipe brings you closer to exciting rewards like travel discounts or cash back turning regular spending into meaningful benefits.

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans provide various options with competitive rates, making home ownership accessible for many families in our community. Our experienced team will guide you through the process, ensuring you feel confident every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that allow you to check balances, transfer money, and pay bills from anywhere at any time. With just a few taps on your phone or clicks on your computer, managing your finances has never been more straightforward.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Imagine easily accessing your funds whenever you need them, whether it's for daily expenses or saving for a special occasion. With competitive interest rates and low fees, managing your money has never been easier.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can help ease financial burdens by providing quick access to cash at reasonable rates. Whether it's covering medical bills or consolidating high-interest debts into one manageable payment, we've got your back.

Digital & Online Banking

Key Services

Our online banking services are available 24/7, so whether it's early in the morning or late at night, your accounts are always within reach. You can check balances, pay bills, and transfer money without stepping foot outside your door. Plus, if you're on the go, our mobile application makes banking even simpler just download it to enjoy full access to your accounts right from your smartphone. Need to send money to a friend? No problem! Our person-to-person transfer feature allows you to send funds quickly and securely. And for those who prefer paperless statements, we offer e-statements for easy access and reduced clutter.

Security and Ease of Use

Your security is our top priority. We employ advanced security measures to protect your information while ensuring that your banking experience remains user-friendly. Although we don't currently support electronic signature authorization, our systems are designed for simplicity and peace of mind. With features like mobile payments, managing your financial life has never been easier or more efficient. Whether you're paying for groceries or splitting a dinner bill with friends, making payments on the go is just a tap away. Join us at Coastal1 where convenience meets security in the world of digital banking! For more details about our online services, visit us at https://www.coastal1.org/ or give us a call at (401) 736-0837. Your financial freedom is just a click away!

Financial Strength

Growing Trust

Total Share Accounts stand at an impressive 223,200, showing a strong and growing member base that trusts us with their finances. Furthermore, with available funds for lending at $6,864,585, we're positioned well to meet your borrowing needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Coastal1 is your trusted partner. Visit us at 3319 Post Rd Warwick RI 02886 or call 401-736-0837 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Opportunities

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 $0 net income reflects our operational efficiency during this period; it allows 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.

Reinvesting in Our Future

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 is impressive as well: with $28,499 in used auto loans and $2,903,238,744 in total loans and leases, we support members' financial goals across various sectors.

Strong 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.

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 financing solutions that fit your budget and lifestyle, making it easier than ever to drive away with confidence.

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 entrepreneurial journey. At Coastal1, we pride ourselves on delivering personalized service and understanding your unique needs. If you're interested in refinancing options or want to explore eligibility criteria, please don't hesitate to ask our friendly staff for guidance. 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 journey starts here let's achieve your goals together!

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we also offer flexible credit line options totaling $1,422,344,553. These lines of credit provide the financial flexibility you need for unexpected expenses or planned purchases. Furthermore, we have flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively.

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. We are committed to guiding you through the process with competitive rates and personalized service.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This guarantees that the information you see is accurate and trustworthy. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You can trust that the rates displayed reflect true market conditions. - Real-Time Rate Comparisons: The platform updates loan rates from multiple institutions in real-time. This feature helps users make informed decisions quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the value that LendMesh brings to borrowers seeking the best possible terms. Ready to take control of your borrowing options? 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.*

COASTAL1 CREDIT UNION - Warwick, RI

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Warwick, RI (02886)

Introduction

Branch History & Mission

Branch Location & Accessibility

A Range of Services at Your Fingertips

Convenient Access

Operating Hours That Fit Your Schedule

Member Eligibility

Business Banking & Commercial Services

Financing Your Growth

Merchant Services That Work for You

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking

Credit Cards with Rewards

Mortgage Loans & Refinancing

Online & Mobile Banking

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Services

Security and Ease of Use

Financial Strength

Growing Trust

Member-Centric Savings Opportunities

Operational Efficiency

Reinvesting in Our Future

Strong Financial Health

Loan Offering

Auto Loans

Business Financing

Credit Lines and Unsecured Loans

Mortgage Loans

Loan Aggregator

Benefits of Using LendMesh

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