OCEAN STATE CREDIT UNION

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!

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!

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.