Community & Teachers Credit Union East Providence RI | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Community & Teachers Federal Credit Union, where your financial well-being is our top priority! Located at 1169 S Broadway, East Providence, RI 02914, we have proudly served our community since 1961. Our credit union is more than just a place for banking; it's a hub of support and resources for our 1,688 members. With total assets exceeding $29 million, we are committed to providing you with exceptional financial services tailored to your needs. Our dedicated team, led by CEO Kenneth Saunders and Board President Barbara Geraghty, works tirelessly to foster a welcoming environment. We offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, and business banking solutions. In addition, we're proud to say that our total deposits stand at an impressive $2,930,648, reflecting the trust our members place in us. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 1169 S Broadway, East Providence, RI 02914-4931. At Community & Teachers Federal Credit Union, we believe in empowering our members through education and personalized service. With total loans amounting to 341, we are here to help you achieve your financial goals whether it's buying a new car or planning for your future. Our net worth of $3,261,382 showcases our stability and dedication to serving you better. We invite you to call us at (401) 438-7788 or visit our website at www.teacherscu.org for more information on how we can assist you today. Join us as we continue to build a stronger community together!

Branch History & Mission

At Community & Teachers, we proudly celebrate our legacy of service and commitment to the community since our founding in 1961. Located at 1169 S Broadway in East Providence, RI, our branch has been a cornerstone of financial support for local residents, educators, and their families for over six decades. With a current membership of 1,688 and total assets amounting to $29,202,927, we continue to grow and adapt to meet the needs of our members. Our mission is simple yet powerful: to empower our members through exceptional financial services while actively supporting the communities we serve. We believe that everyone deserves access to reliable banking solutions that can help them achieve their financial goals. Whether it's offering affordable auto loans or providing personalized banking services, our focus remains on building lasting relationships with each member. In addition to traditional banking services, we are committed to community outreach and partnerships that make a difference. Our drive-thru banking allows for convenient transactions without compromising on personal service. While members can visit us at 1169 S Broadway East Providence Ri 02914, official correspondence should be sent to 1169 S Broadway, East Providence, RI 02914-4931 for your convenience. Over the years, we have embraced advancements in technology to enhance member experience. Although we currently do not offer ATM services or mobile payments, our online banking system ensures that members can manage their accounts easily from anywhere. We also provide shared service center access for those who need it. As we look toward the future, we remain dedicated to fostering a culture of inclusivity and support within East Providence and beyond. Our team is here to guide you every step of the way on your financial journey. Join us at Community & Teachers Federal Credit Union experience firsthand how we can help you thrive financially while making an impact in our beloved community! For more information about our services or to become a member, please contact us at (401) 438-7788 or visit our website at http://www.teacherscu.org. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Location

Nestled in the heart of East Providence, our branch is near several local landmarks, making it easy for you to find us. With ample parking available right outside, visiting us is a breeze. Our facility is also ADA compliant, featuring ramps and accessible entrances to ensure everyone can bank comfortably.

Drive-Thru Banking and Shared Services

For added convenience, we offer drive-thru banking services for quick deposits and withdrawals without leaving your car. If you need assistance with basic transactions, our shared service center is here to help members of partner credit unions too. While you're welcome to visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address at 1169 S Broadway, East Providence, RI 02914-4931. If you have any questions or need more information about our services ranging from personal banking accounts to auto loans feel free to give us a call at 401-438-7788. We look forward to seeing you soon!

Operating Hours

We know your time is valuable! That's why our lobby hours are set up for your convenience: we're open Monday through Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. This schedule allows you to visit us at a time that suits your busy lifestyle.

Member Eligibility

Joining the Community & Teachers family is not just about opening a bank account; it's about becoming part of a caring community that supports your financial goals. To become a member at Community & Teachers, you'll find that eligibility is straightforward and welcoming. If you live, work, or attend school in the East Providence area, you're likely already qualified! We believe in inclusivity, so whether you're a teacher, a student, or simply someone who wants to make better financial choices, we invite you to explore membership with us. Getting started is easy! You can find detailed eligibility information by visiting our website. Once you're ready to take the next step, opening an account is just a click away at https://www.financial-net.com/teacherscu/enrollment/olbcmdsit249?language=en. If you have any questions or need assistance, feel free to give us a call at (401) 438-7788. We can't wait to welcome you to our vibrant community at Community & Teachers, located at 1169 S Broadway East Providence Ri 02914!

Business Banking & Commercial Services

Commercial Loans for Growth

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.

Merchant Services That Make Transactions Easy

Imagine a busy Saturday at your local café. Your customers are eager to pay for their favorite drinks, but long lines can be a hassle. That's where our merchant services come in. By streamlining payment processing, we help you serve your customers quickly and efficiently. This means happier customers and more time for you to focus on what matters growing your business. Located at 1169 S Broadway East Providence Ri 02914 in East Providence, RI, we're dedicated to empowering local businesses with the financial tools they need to thrive. Give us a call at (401) 438-7788 to learn how we can help your business succeed!

Comprehensive List Of Services

ATM and Drive-Thru Services

While we currently don't have ATMs on-site, our drive-thru service is available for quick transactions like deposits and withdrawals. Plus, as part of our shared branch network, members can conduct basic transactions at partner credit unions. At Community & Teachers, we are committed to providing services that are not only accessible but also designed with your financial well-being in mind. If you have any questions or need assistance, feel free to call us at (401) 438-7788 or visit us during our lobby hours: Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Explore all that we have to offer by visiting us online at http://www.teacherscu.org/. Join us today and experience how personalized service makes all the difference!

Business Banking Services

For our entrepreneurial members, we provide business banking solutions that include merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to help make your goals a reality.

Credit Cards with Rewards

Imagine earning rewards while making everyday purchases our credit cards do just that! With various options available, you can choose a card that fits your spending habits and start enjoying perks like cashback or travel rewards right away.

Digital Banking Convenience

In today's fast-paced world, convenience matters. At Community & Teachers Federal Credit Union, we offer online and mobile banking services so you can manage your finances from anywhere. Check balances, transfer funds, or pay bills all from the comfort of your home or on-the-go.

Home Financing Options

When it comes to finding the perfect place to call home, we understand the importance of flexibility and support. That's why we offer mortgage loans and refinancing options that cater to different financial situations. Our knowledgeable team will work with you throughout the process, ensuring that you feel confident every step of the way.

Lending Made Easy

Life can throw unexpected expenses your way, which is why our personal loans and debt consolidation services are here for you. Need a little extra cash for home repairs or an unexpected bill? We've got you covered with straightforward lending solutions that make sense for your budget.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine having easy access to your money while enjoying competitive interest rates this is what our accounts offer. For those planning big purchases, we provide auto loans and vehicle financing that can help you drive off in your dream car without breaking the bank.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Plus, while we currently do not offer e-statements or mobile payments, we focus on providing essential features that prioritize your security and ease of use. Need to send money to a friend? While person-to-person transfers are not available at the moment, our online banking ensures you have the tools needed for effective account management right at your fingertips. For those who prefer managing their finances on the go, we're excited to announce that a mobile application is in the works! This will soon make it even easier for you to keep track of your accounts while you're out and about.

Security You Can Trust

Your financial security is important to us. While we don't currently support electronic signature authorization, rest assured that our online services are built with robust security measures to protect your information. We strive to create an experience where you can bank confidently. In summary, whether you're checking your balance from home or planning future transactions, Community & Teachers is committed to making your banking experience straightforward and secure. Explore our digital offerings today by visiting http://www.teacherscu.org/!

Financial Strength

Commitment to Growth and Innovation

With $2,667,048 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 with $20,142,118 in total loans and leases, including $50 in used auto loans.

Member-Centric Savings Opportunities

Members' savings are secured through $1,365,816 in share certificates and $7,655,847 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.

Operational Efficiency

Our operational efficiency is reflected in our net income of $161,622, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $3,261,382, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.17% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Member Base

Total Share Accounts stand at 4,201, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending currently sit at $0, indicating our focus on responsible lending practices while maintaining liquidity for member needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community & Teachers is your trusted partner. Visit us at 1169 S Broadway East Providence RI 02914 or call 401-438-7788 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $704,353 in used vehicle loans and $600,453 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to ensure you find the right fit for your lifestyle.

Credit Lines

For those who need extra financial flexibility, we provide total credit lines of $3,000,000. This can be an excellent option for managing larger purchases or unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,322,021, make buying or refinancing simple. Whether you're a first-time buyer or looking to upgrade your living situation, our team is here to guide you through every step.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various products, please reach out to us directly at 401-438-7788. Our team is ready to discuss how we can help you save money and improve your financial situation. At Community & Teachers, we're dedicated to providing services that empower our members financially. For more information about our loan offerings or to get started today, visit us at 1169 S Broadway East Providence RI 02914 or check out our website at http://www.teacherscu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, although currently we have $0 in these loans available. These cards can help manage everyday purchases while giving you the flexibility to pay off balances at your own pace.

Loan Aggregator

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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 ensures that users receive fair and transparent offers. Each loan comparison reflects current rates, allowing potential borrowers to make informed choices without hidden fees or misleading information.

COMMUNITY & TEACHERS FEDERAL CREDIT UNION - East Providence, RI

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