OCEAN STATE CREDIT UNION

Welcome to Ocean State, where community and financial wellness come together! Located at 7373 Post Rd, North Kingstown, RI 02852, our North Kingstown Branch has been serving members since 1950. With a strong commitment to helping our 22,504 members achieve their financial goals, we pride ourselves on being a trustworthy partner in your journey toward financial success. At Ocean State, we understand that every member's needs are unique. That's why we offer a variety of services tailored just for you from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. Our total assets stand at an impressive $337,099,974, allowing us to provide competitive loan options while ensuring your deposits of $12,793,688 are secure and well-managed. Under the leadership of our CEO, Michael Garvey, and Board President, Michael Airhart, our dedicated team of 62 employees is here to assist you with any inquiries. Whether you have questions about your account or need guidance on loans, we're just a phone call away at 401-397-1900. While members can visit us at our branch location for friendly service and support, official correspondence should be directed to our mailing address: 7373 POST ROAD, NORTH KINGSTOWN, RI 2852. We invite you to explore how we can help enhance your financial future. Visit our website at oceanstatecu.org for more information about our services or stop by the branch today! Your journey towards smarter banking starts here at Ocean State!

At Ocean State, we take pride in our rich legacy and commitment to serving our community. Established in 1950, our North Kingstown Branch has been a cornerstone for financial support and personal growth in North Kingstown, RI. Located at 7373 Post Rd, just a stone's throw from local landmarks, our branch has evolved significantly over the decades, growing alongside the community it serves. Since our inception, Ocean State has dedicated itself to empowering individuals and families through accessible financial services. Today, we proudly serve over 22,500 members and manage total assets of approximately $337 million. Our mission is clear: to provide exceptional financial services while fostering a sense of community and belonging among our members. We believe that everyone deserves a chance to achieve their financial goals, and we're here to make that happen. While members can visit us at 7373 Post Rd, official correspondence should be sent to the same address. Our branch is equipped with modern facilities including an ATM for convenient cash access and drive-thru banking for quick transactions. We operate Monday through Friday from 9:00 AM to 4:00 PM, with extended hours on Fridays until 7:00 PM. Ocean State is not just about banking; it's about building relationships. We actively engage with our community through various outreach programs and partnerships that reflect our dedication to social responsibility. Whether it's offering scholarships or supporting local events, we strive to make a positive impact beyond just providing loans and accounts. As we embrace digital advancements like online banking and mobile payments, we remain committed to ensuring accessibility for all members. Our facilities are ADA compliant, ensuring everyone can take advantage of our services comfortably. We invite you to join us at Ocean State Credit Union! Experience personalized service tailored to your needs and become part of a community-focused organization dedicated to your financial well-being. Together, let's achieve your dreams stop by or give us a call at 401-397-1900 today!

At Ocean State, we believe that everyone deserves a supportive community to help them thrive financially. Joining us as a member is an exciting step towards better banking and personalized service. If you're looking to become part of our family, eligibility is straightforward! We welcome individuals who live, work, or attend school in the areas we serve. This means if you're in the North Kingstown area or nearby, you're likely eligible to join us! For more specific details about membership criteria, feel free to check out our comprehensive guide at this link. Opening your account with Ocean State is just as simple! You can easily get started by visiting us at 7373 Post Rd North Kingstown Ri 02852 or by calling us at 401-397-1900. Our friendly team is ready to assist you from Monday to Friday, making sure you have all the information you need. Discover the advantages of being a member with us, including access to various financial services tailored just for you. Don't hesitate join us today and take the first step towards achieving your financial goals!

At Ocean State, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining robust financial health to serve you better. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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. 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. 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. 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. Our lending capacity supports members' financial goals across various sectors with $39 in used auto loans and a total of $286,568,466 in loans and leases. Our operational efficiency is reflected in our net income of $702,061, enabling us to continue offering competitive loan rates and solid financial products for our members. 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, committed team. Total Share and Deposit Accounts stand at 39,304, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,064,487, further demonstrating our commitment to supporting your financial journey. 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 7373 Post Rd North Kingstown Ri 02852 or call 401-397-1900 to learn more about how we can help you achieve your financial goals.

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