Ocean State Credit Union Warwick RI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Ocean State, where your financial goals meet community care. Located at 2247 W Shore Rd, Warwick, RI 02889, our Warwick Branch has been serving members since 1950. As a proud part of the Ocean State family, we're dedicated to providing personalized banking solutions that fit your unique needs. With over 22,500 members and total assets reaching $337,099,974, we strive to create an environment of trust and reliability. Our experienced team, led by CEO Michael Garvey and Board President Michael Airhart, is here to ensure you receive the best support possible. Whether you're looking for auto loans, mortgages, or personal banking services, our branch is equipped with resources to help you succeed. While members can visit us at 2247 W Shore Rd, official correspondence should be sent to the same address for your convenience. We understand how important it is for you to have easy access to your finances; that's why we offer a range of services including online and mobile banking options. Our commitment extends beyond just numbers. With a net worth of $38,593,810 and total deposits amounting to $12,793,688, we are financially sound and ready to assist you in every step of your financial journey. Plus, our cash in hand totals $1,922,373, ensuring we have the liquidity needed to serve our community effectively. At Ocean State Credit Union, we are not just about transactions; we are about relationships. We want you to feel at home when you walk through our doors or connect with us online. Explore how we can help you achieve your financial dreams today. For more information or inquiries, don't hesitate to call us at 401-397-1900 or visit our website at oceanstatecu.org. Let's take the next step together!

Branch History & Mission

Join Us

We invite you to experience the benefits of membership with Ocean State. Whether you're looking for personal banking solutions or seeking a supportive community partner for your financial journey, we are here for you. Discover more about how you can become part of our family by visiting our website. Together, let's build a brighter financial future!

Modern Banking Solutions

While we honor our legacy, we also embrace modern advancements in banking. Our branch offers convenient services such as online and mobile banking, making it easy for members to manage their finances from anywhere. Our drive-thru service and ATM availability ensure that banking is always accessible and straightforward. For any official correspondence or inquiries, please note that while you can visit us at 2247 W Shore Rd, Warwick, RI 02889, you may also reach us by phone at 401-397-1900 or send mail to P.O. Box 8440 Warwick, RI 02889-8440 if needed.

Our Mission

At Ocean State, our mission is clear: to empower individuals and families by providing exceptional financial services while fostering a sense of belonging and community support. We believe that everyone deserves access to affordable banking options, whether it's through checking accounts, auto loans, mortgages, or personal loans. We strive to create an environment where our members feel valued and heard. Our focus goes beyond just banking; we actively engage in community outreach initiatives that uplift those around us. By partnering with local organizations and participating in events that matter to our members, we aim to enhance the quality of life in Warwick and beyond.

Branch Location & Accessibility

Accessibility Features

At Ocean State, we believe that everyone deserves access to financial services. Our branch is fully ADA compliant, featuring ramps and spacious entryways to accommodate all visitors. We also offer ample parking so you can visit us without any hassle.

Convenient Services

Our operating hours make it easy for you to manage your finances at your convenience. We're open Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Plus, for those on-the-go, we provide drive-thru banking services for quick deposits and withdrawals. Need cash? We've got you covered with an ATM on-site for easy access to your funds anytime you need them. If you have questions or need assistance, feel free to reach out at (401) 397-1900 our friendly staff is here to help! While members can visit us at our branch address, official correspondence should be sent to the same location: 2247 W Shore Rd, Warwick, RI 02889-8440.

Visit Us Today!

We invite you to come by the Ocean State Warwick Branch today! Experience firsthand our commitment to providing personalized service tailored just for you. Whether you're looking for checking accounts, auto loans, or simply need financial advice, we're here for you every step of the way. We look forward to welcoming you soon!

Member Eligibility

At Ocean State, we believe that joining our community is more than just opening an account it's about becoming part of a family that cares. Becoming a member is simple! If you live, work, or worship in the area, or if you have a family member who is already part of our credit union, you're likely eligible to join us at Ocean State. We welcome individuals from all walks of life and are committed to providing financial services that truly support your needs. For a detailed look at the eligibility requirements, feel free to visit our website at https://www.oceanstatecu.org/resources/about-ocean-state-credit-union/how-to-become-a-member-of-ocean-state-credit-union. Once you know you're eligible, opening an account is just as straightforward! You can get started by visiting us in person at 2247 W Shore Rd Warwick Ri 02889, where our friendly staff is ready to assist you. If you have any questions or need guidance along the way, don't hesitate to reach out at (401) 397-1900. Together, let's take this exciting step toward better financial health and community support!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial resources you need to expand your operations, hire new staff, or invest in cutting-edge equipment. 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

In addition to loans, our merchant services help streamline your payment processes. Picture this: a customer walks into your store, makes a purchase, and pays seamlessly with their card all thanks to our reliable payment processing systems. This allows you to focus on what matters most: growing your business. Whether you're looking for a simple loan or comprehensive merchant solutions, Ocean State in Warwick, RI is here to help your business thrive. Visit us at 2247 W Shore Rd Warwick Ri 02889 or call us at (401) 397-1900 for more information!

Comprehensive List Of Services

Business Banking

For business owners, we understand that running a business comes with its own set of challenges. That's why we offer business banking services including merchant services and business loans tailored to support your growth. We aim to be a partner in your success by providing financial solutions that fit your unique business needs.

Convenience at Your Fingertips

We know life can get busy, which is why we prioritize convenience. Our branch features include ATM access for quick withdrawals and balance checks as well as basic drive-thru banking for deposits and simple transactions. With our digital tools like mobile payments and person-to-person transfers, banking has never been easier.

Loans and Financing

When it comes to financing, we offer a variety of solutions. If you're considering purchasing a new vehicle, our auto loans and vehicle financing programs can help get you behind the wheel without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our mortgage loans provide competitive rates and personalized service to guide you through the process. Need some extra cash? Our personal loans and debt consolidation options are perfect for managing unexpected expenses or simplifying your finances by combining multiple debts into one manageable payment. Plus, don't forget about our credit cards with rewards ideal for earning points on your everyday purchases.

Personal Banking

Our personal banking options are designed to make managing your money easy and convenient. With checking and savings accounts, you can easily keep track of your funds while enjoying competitive interest rates. Imagine having access to your money anytime through our online and mobile banking platforms this means checking balances, making transfers, or paying bills from the comfort of your home or on the go.

Visit Us Today!

Located at 2247 W Shore Rd, Warwick, RI 02889, our friendly team is ready to assist you during lobby hours from Monday to Friday (9 AM - 6 PM) and Saturday (9 AM - 12 PM). Have questions? Give us a call at 401-397-1900. At Ocean State, we're committed to helping you achieve your financial goals with personalized service and a comprehensive suite of products. Come discover how Ocean State can serve you better!

Digital & Online Banking

Key Features

You can enjoy the flexibility of e-statements, which let you keep track of your financial activities without the hassle of paper statements. This is not only eco-friendly but also helps you stay organized. And for those on the go, our mobile application allows you to manage your accounts right from your smartphone. You can even make mobile payments, making transactions as simple as a tap on your screen. Need to send money to friends or family? Our person-to-person transfer feature lets you do just that, securely and quickly. While we currently don't offer electronic signature authorization, rest assured that all your transactions are protected with high-level security measures. In summary, at Ocean State, we prioritize making your banking experience smooth and secure. With tools like e-statements and mobile banking features, managing your finances has never been more accessible or efficient. Explore our services today at https://www.oceanstatecu.org/ and take control of your banking needs!

Financial Strength

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 proud to showcase our strong financial foundation, which enables us to serve our community effectively. 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 is robust; with $39 in used auto loans and an impressive total of $286,568,466 in loans and leases available for our members' various needs. 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 and committed team. Net Shares (Funds available for lending and investments): $1,064,487. Total Share and Deposit Accounts: 39,304, showing a strong and growing member base that trusts us with their finances. 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 2247 W Shore Rd Warwick Ri 02889 or call 401-397-1900 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

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. We provide flexible financing options for both new and used vehicles to ensure that you can drive away with confidence.

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 believe that owning a home is a dream worth pursuing, and our competitive rates and personalized service can help you get there.

Other Financing Options

In addition to these products, we provide credit lines totaling $118,135,655 for those who need extra flexibility in managing their finances. If you're considering refinancing any of your existing loans or want to learn more about eligibility options for our various products, feel free to reach out. For any inquiries or assistance regarding our loan offerings, please don't hesitate to call us at 401-397-1900. Our friendly staff is ready to help you find the right loan product that fits your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Ocean State Credit Union, we're committed to empowering our members by providing transparent financial solutions tailored for success.

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $336,936 available to help members manage their finances effectively. Whether it's unexpected costs or planned purchases, our credit cards are designed to give you the purchasing power you need.

Loan Aggregator

Ensuring Accurate Comparisons

LendMesh employs several key features to maintain accuracy in its loan comparisons: - Verified Data: All loan offers are sourced from recognized financial institutions, ensuring transparency in the options available. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the best available rates. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing for informed decision-making. 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 illustrates how effective LendMesh can be for individuals seeking better loan 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.*

OCEAN STATE CREDIT UNION - Warwick, RI

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Loan rates in Warwick, RI (02889)

Introduction

Branch History & Mission

Join Us

Modern Banking Solutions

Our Mission

Branch Location & Accessibility

Accessibility Features

Convenient Services

Visit Us Today!

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking

Convenience at Your Fingertips

Loans and Financing

Personal Banking

Visit Us Today!

Digital & Online Banking

Key Features

Financial Strength

Loan Offering

Auto Loans

Mortgage Loans

Other Financing Options

Unsecured Credit Card Loans

Loan Aggregator

Ensuring Accurate Comparisons

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