Ocean State Credit Union Coventry RI | Convenient ATM Services

Introduction

Welcome to Ocean State, your trusted partner in financial services located at 2006 Nooseneck Hill Rd, Coventry, RI 02816. Since our establishment in 1950, we have been dedicated to serving our community with integrity and commitment. With over 22,504 members, we pride ourselves on creating a welcoming environment where everyone can thrive financially. At Ocean State, we understand the importance of financial security. That's why we manage a robust portfolio with total assets of $337,099,974 and total deposits amounting to $12,793,688. Our strength is reflected not only in our numbers but also in the relationships we build with our members. We offer a range of loan options over 3,538 loans and leases currently active to help you achieve your dreams, whether that's purchasing a new vehicle or financing home improvements. Our leadership team, led by CEO Michael Garvey and Board President Michael Airhart, is deeply invested in the success of our members and the local community. With a dedicated staff of 62 employees, we're here to provide personalized service that meets your unique needs. While you can always visit us at our branch location for assistance during our lobby hours from 8:00 AM to 5:00 PM, Monday through Friday, we encourage you to explore more about our services online at oceanstatecu.org. If you have any questions or need support, feel free to reach out at 401-397-1900. Join us today and experience a credit union that truly values its members!

Branch History & Mission

Commitment to Accessibility

While members can visit us at 2006 Nooseneck Hill Rd, official correspondence should be sent to 2006 Nooseneck Hill Road, Coventry, RI 2816 if necessary. We understand that accessibility is key; that's why we have made strides in digital advancements such as online banking and mobile payments. Although we currently do not offer ATM services or drive-thru banking, we ensure that all operations are ADA compliant and designed with your convenience in mind.

Join Us!

As we continue on this journey together with our members, we invite you to experience the benefits of being part of Ocean State. Join us today and become part of a family that truly cares about your financial future. Visit us online at Ocean State Credit Union or call us at 401-397-1900 for more information. Together, let's build a brighter tomorrow!

Our Evolution

From our humble beginnings on Nooseneck Hill Road, Ocean State has continually adapted to meet the needs of our members. As we grew, so did our range of services, allowing us to offer everything from personal loans to financial education resources. Despite changes in technology and banking trends, our dedication to providing personalized service has remained unchanged. Our branch is located at 2006 Nooseneck Hill Rd, Coventry, RI 02816, a convenient spot for local residents. Just a stone's throw away from picturesque parks and vibrant neighborhoods, we are proud to be part of this thriving community.

Our Mission

At Ocean State, our mission is simple yet profound: to empower our members with the financial tools they need to achieve their goals while fostering a sense of community and belonging. We strive to provide accessible financial services that cater not just to individual needs but also contribute positively to the overall well-being of Coventry and its surrounding areas. We believe in supporting our community through various outreach programs and partnerships that help uplift those around us. Whether it's sponsoring local events or offering financial literacy workshops, we are dedicated to making a real difference.

Branch Location & Accessibility

Welcome to the Ocean State branch, conveniently located at 2006 Nooseneck Hill Rd in beautiful Coventry, RI. This prime location makes it easy for our members to access our services while enjoying the friendly atmosphere of the community. Whether you're coming from downtown or nearby neighborhoods, you'll find us just a short drive away. As you approach our branch, you'll notice that we are situated near local landmarks, making it easy to spot. The area is well-served by parking facilities, ensuring you have a hassle-free visit. Our branch is fully compliant with ADA standards, featuring ramps and accessible entrances for all members. At Ocean State, we pride ourselves on being available when you need us. Our lobby hours are open Monday through Friday from 8:00 AM to 5:00 PM, providing ample time for you to stop by after work or during your lunch break. If you have questions or need assistance, feel free to give us a call at 401-397-1900; our friendly staff is always ready to help. While we don't offer ATM services at this location and there isn't a drive-thru option available, we strive to provide personalized service inside the branch. We understand that your time is valuable and are committed to helping you efficiently with your banking needs. For official correspondence, please send mail to our mailing address: 2006 Nooseneck Hill Road, Coventry, RI 2816. We look forward to welcoming you into our community and assisting you with your financial journey! Don't hesitate to visit us or reach out over the phone your satisfaction is our priority!

Member Eligibility

At Ocean State, we're excited to welcome new members into our community! Joining us is easy and open to anyone who lives, works, worships, or attends school in the areas we serve. Whether you're looking for a supportive place to manage your finances or simply want to be part of a credit union that truly cares about its members, you'll find a home here with us at Ocean State. You can learn more about the specific eligibility requirements by visiting this link. Once you know you're eligible, opening an account is a breeze! We invite you to stop by our branch located at 2006 Nooseneck Hill Rd Coventry Ri 02816 or give us a call at (401) 397-1900 for more information on how to get started. Becoming a member means not just having access to great financial services but also joining a friendly community focused on your well-being. Check out the details here and see how simple it is to become part of the Ocean State family!

Business Banking & Commercial Services

Loan Options 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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your needs.

Merchant Services that Matter

In today's competitive market, having the right tools can make all the difference. That's why we offer merchant services designed to streamline your operations and enhance customer satisfaction. From easy payment processing to comprehensive financial insights, our services empower you to focus on what you do best: running your business. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Coventry, RI. Join us at 2006 Nooseneck Hill Rd Coventry Ri 02816 or give us a call at (401) 397-1900 to learn how we can help your business thrive!

Comprehensive List Of Services

A Welcoming Community Hub

Located at 2006 Nooseneck Hill Rd, Coventry, RI 02816, our branch is more than just a place for transactions; it's a community hub where members can seek advice and support for their financial journeys. We pride ourselves on creating a welcoming environment where everyone feels valued and understood. In conclusion, whether you're withdrawing cash through our ATMs or utilizing our digital banking features, Ocean State is here to support you every step of the way. Explore all that we have to offer by visiting us online at oceanstatecu.org or stop by our branch today! Your journey towards better banking starts here!

Commitment to Member Support

Customer service is at the heart of what we do at Ocean State. Should you have any questions or need assistance, feel free to reach out to us at 401-397-1900. Our team is ready to help guide you through any inquiries regarding our services or your account.

Digital Banking Convenience

In today's fast-paced world, having online and mobile banking options is essential. That's why at Ocean State, we embrace technology to enhance your banking experience. Our online banking platform allows you to check balances, transfer funds, and pay bills from the comfort of your home or on-the-go via our mobile application. You can even make person-to-person payments effortlessly, ensuring that your transactions are quick and secure.

Personalized Banking Solutions

Whether you're looking for everyday banking options or specialized financial products, Ocean State has you covered. We understand that managing your money can sometimes feel overwhelming, but with our ATM Services Only, you can easily access cash and manage your finances without hassle. Picture this: it's Friday evening, and you need cash for an outing. With our ATM services conveniently located, you're just moments away from getting what you need.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.oceanstatecu.org/, allows you to check balances, pay bills, and transfer funds with just a few clicks. You can also enjoy the convenience of E-Statements, which means you'll receive your account statements electronically, making it easier to keep track of your finances while reducing paper clutter. For those on the go, our mobile application is available for download, providing you with all the essential tools right in your pocket. You can make mobile payments and even send money directly to friends and family through our person-to-person transfer feature. This makes splitting bills or sharing expenses a breeze!

Security and Accessibility

Security is a top priority at Ocean State. While we currently don't offer electronic signature authorization, our systems are designed with robust measures to protect your information. You can bank with confidence knowing that your data is safe. Whether you're managing day-to-day transactions or planning for future goals, our digital banking services are user-friendly and accessible. With real-time account management at your fingertips, you'll never miss a beat when it comes to your finances. In summary, Ocean State is here to support you with modern banking solutions that prioritize convenience and security. Explore all our offerings today at https://www.oceanstatecu.org/!

Financial Strength

Dedicated Team

We also take pride in having 54 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our staff is dedicated to helping you navigate your financial journey with confidence.

Growing Membership Base

With a total of 39,304 share accounts, we show a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $1,064,487, allowing us to support more members as they work towards achieving their dreams. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ocean State is your trusted partner. Visit us at 2006 Nooseneck Hill Rd Coventry RI 02816 or call 401-397-1900 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $61,445,899 in share certificates and $34,689,171 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. Although we have $0 in non-member deposits, our resources are focused entirely on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $32,789,179 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach ensures that your funds are not only safe but also contribute to the growth of our services.

Solid Financial Position

With a net worth of $38,593,810, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.45% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $39 in used auto loans and a robust total of $286,568,466 in loans and leases. This diverse portfolio allows us to cater to various needs while maintaining a healthy balance sheet. Additionally, our net income of $702,061 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $336,633 in used vehicle loans and $145,736 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new ride or a reliable pre-owned vehicle, our auto loan options can be tailored to meet your needs.

Credit Lines and Refinancing Options

Additionally, our total credit lines amount to $118,135,655, giving members access to funds when they need them most. If you're considering refinancing existing loans for better rates or terms, our team is here to guide you through the process and discuss eligibility options that may benefit you. At Ocean State Credit Union, we strive to provide transparent and straightforward lending solutions backed by data-driven insights from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us today and see how we can assist you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $23,652,571, make buying or refinancing simple. We offer various mortgage products that can help you navigate the path to owning your dream home.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $336,936 in loans helping members manage their finances effectively. This option provides you with the purchasing power you need while offering peace of mind.

Loan Aggregator

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OCEAN STATE CREDIT UNION - Coventry, RI

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