Introduction
Welcome to Postal Employees Regional, your trusted financial partner located at 40 Montgomery St, Pawtucket, RI 02860. Established in 1934, we have proudly served our members for nearly a century, fostering a sense of community and support that goes beyond banking. With a strong commitment to helping our 617 members achieve their financial goals, we understand the importance of local service and personalized care. At Postal Employees Regional, we are dedicated to providing reliable financial solutions. Our total assets stand at an impressive $5,849,740, showcasing our stability and strength in the industry. With $674,499 in total deposits and a net worth of $2,744,472, you can trust that your money is in safe hands. Our team works diligently to ensure that we offer competitive loan options as well; we currently manage 216 loans and leases to meet your diverse needs. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: PO Box 126, Pawtucket, RI 2862. Under the leadership of our CEO, Charlene LaPlante, and Board President, John Soares, we strive to enhance our offerings while maintaining the personal touch that defines us. With a small but dedicated team of just 2 employees, we prioritize building relationships with each member and ensuring that your experience with us is exceptional. We invite you to reach out by calling us at 401-726-3895 or visit us during our lobby hours from Monday to Friday, 9:00 AM to 4:30 PM. At Postal Employees Regional, we're not just here to provide services; we're here to empower you on your financial journey. Join us today and discover how we can help you thrive!
Branch History & Mission
Welcome to the heart of Pawtucket, where the Postal Employees Regional Credit Union has been serving its community since 1934. With a proud history that spans over eight decades, Postal Employees Regional has grown from a small group of postal workers looking for better financial options into a trusted financial partner for more than 617 members. Our branch is located at 40 Montgomery St, Pawtucket, RI 02860, an accessible spot that reflects our commitment to being part of the community. Over the years, we have evolved alongside our members' needs, expanding our services and adapting to changes in the financial landscape. Today, our total assets stand at an impressive $5,849,740, demonstrating our stability and dedication to providing secure financial solutions. We take pride in offering a range of services designed with our members in mind whether you're seeking a loan or need assistance managing your savings. Our mission is clear: to empower our members through personalized financial services while actively contributing to the growth and well-being of the Pawtucket community. We believe in putting people before profits, which is why we prioritize member satisfaction and community support in everything we do. Our team is dedicated to making banking easier for you, whether it's through straightforward loan processes or friendly service during our operating hours of Monday through Friday from 9:00 AM to 4:30 PM. While members can visit us at 40 Montgomery St Pawtucket Ri 02860, official correspondence should be sent to PO Box 126, Pawtucket, RI 2862. We may not offer drive-thru banking or ATMs right now, but we strive for accessibility and are continuously exploring ways to enhance your banking experience. At Postal Employees Regional, we also understand the importance of giving back. Our partnerships with local organizations and community outreach efforts aim to uplift those around us and foster a sense of belonging. Whether it's supporting local events or providing educational resources about financial literacy, we are here not just as bankers but as neighbors committed to a thriving Pawtucket. Join us at Postal Employees Regional today! Experience firsthand how we can help you achieve your financial goals while being part of something bigger a credit union that cares about its members and their community. Let's grow together!
Branch Location & Accessibility
Accessibility Features
At Postal Employees Regional, we prioritize accessibility for all members. Our branch is designed with ADA-compliant features and ramps to ensure everyone can visit us comfortably. We also have ample parking available right outside the entrance, making it easy for you to hop in and out.
Call to Action
We invite you to stop by Postal Employees Regional today! Experience personalized service in a welcoming environment. Whether you're looking to open an account or simply want to chat about your financial goals, we are here for you every step of the way!
Operating Hours
We are here for you Monday through Friday from 9:00 AM to 4:30 PM. Our friendly staff is ready to assist you during these hours with a range of services tailored to meet your financial needs.
Services Offered
While we currently do not have ATM services or drive-thru banking available at this location, we strive to provide top-notch member service within our branch. Feel free to reach out via phone at 401-726-3895 if you have any questions or need assistance before your visit.
Member Eligibility
Becoming a member of Postal Employees Regional feels like joining a warm and welcoming family that genuinely cares about your financial well-being. If you're looking to be part of our community, eligibility is simple and inclusive. We welcome individuals who are postal employees or members of their immediate families, along with certain groups connected to our mission. This means that if you work for the postal service or are closely related to someone who does, you're likely eligible! You can explore all the specific criteria by visiting [this link]( ) for detailed information. Joining is easy! Once you confirm your eligibility, opening an account at Postal Employees Regional is a straightforward process designed to help you get started without any hassle. Our dedicated team is ready to assist you at our branch located at 40 Montgomery St Pawtucket Ri 02860, and if you have any questions, feel free to give us a call at (401) 726-3895. We're excited to help you take this important step towards securing your financial future with us!
Business Banking & Commercial Services
At Postal Employees Regional, we understand that every business has unique needs and dreams. Whether you're a small startup or an established company in Pawtucket, RI, our services are designed to help you grow. Imagine having the financial backing to expand your operations or invest in new technology. That's where our commercial loan options come into play. 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. Additionally, our merchant services simplify payment processing, making it easier for you to focus on what matters most running your business. Whether it's accepting credit cards or managing transactions efficiently, we're here to help you succeed. Visit us at 40 Montgomery St Pawtucket Ri 02860 or call us at (401) 726-3895 to learn more about how we can assist your business today!
Comprehensive List Of Services
Accessibility and Support
Located at 40 Montgomery St, Pawtucket, RI 02860, our branch is easily accessible for all your banking needs. If you have questions or need assistance, feel free to call us at (401) 726-3895 during our operating hours from Monday to Friday, 9:00 AM to 4:30 PM. Our team is always ready to assist you with any inquiries or support you may require.
Banking Made Easy
One of the primary services we offer is ATM Services Only. This service ensures that our members can access their funds conveniently, even outside regular business hours. Whether you need to withdraw cash for a quick purchase or check your balance, our ATMs are here to help you manage your finances effortlessly. Imagine you're out running errands, and suddenly you realize you need cash for an unexpected expense. With our ATM services, you don't have to worry. Just find the nearest ATM, and you're good to go!
Embracing Digital Solutions
While we currently focus on ATM services, we understand that the future of banking includes digital solutions. We encourage our members to stay tuned as we explore ways to enhance convenience through potential online banking features in the future. We aim to provide more options for managing your finances from the comfort of your home or on-the-go.
Final Thoughts
At Postal Employees Regional, we're here not just as a financial institution but as a partner in your financial journey. We know that life can be unpredictable, which is why having reliable access to your money is crucial. Whether it's an everyday expense or an unforeseen situation, we're committed to ensuring that our members have what they need when they need it. If you're in Pawtucket or nearby, stop by or give us a call at (401) 726-3895 today! Let us help you navigate your financial needs with confidence and ease.
Digital & Online Banking
Real-Time Account Management
Imagine having the ability to check your account balance, view transactions, and transfer funds without waiting for business hours. With 24/7 online banking services in the pipeline, you will soon be able to enjoy real-time account management right at your fingertips. While we don't yet provide person-to-person transfers or mobile applications, we're dedicated to enhancing our offerings to meet your needs.
Security First
Your financial security is paramount. Even though electronic signature authorization is currently unavailable, rest assured that we take every precaution to safeguard your personal information. Our future enhancements will aim for user-friendly interfaces that maintain high security standards.
Stay Tuned for Updates
As we work towards expanding our digital banking capabilities, keep an eye out for updates on new features that will make managing your money even easier. We're excited about the journey ahead and are committed to bringing more tools to empower you in achieving your financial goals with confidence. For any inquiries or assistance regarding our current services, feel free to reach us at (401) 726-3895 during business hours. At Postal Employees Regional, we're here for you every step of the way!
Financial Strength
Commitment to Growth
With $2,378,824 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $61 in used auto loans and $1,920,342 in total loans and leases; this capacity supports members' financial goals across various sectors.
Efficient Operations
Our $60,860 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.
Member-Centric Savings
Members' savings are secured through $296,505 in share certificates and $1,144,337 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.
Solid Foundation
With a net worth of $2,744,472, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $4,692 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
Trustworthy Partnership
Total Share and Deposit Accounts: 813, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further underline 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, Postal Employees Regional is your trusted partner. Visit us at 40 Montgomery St Pawtucket Ri 02860 or call (401) 726-3895 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 $592,911 in used vehicle loans and $208,632 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our team will work with you to ensure you find a payment plan that fits your budget.
Credit Lines and Unsecured Loans
For those looking for flexibility, we also provide access to credit lines with a total of $500,000 available. In addition, while we currently do not have unsecured credit card loans available, our focus remains on providing personal loan options that are tailored to meet your needs. If you're considering refinancing an existing loan, our team is here to help guide you through the process and discuss eligibility options that could save you money over time. At Postal Employees Regional, we prioritize transparency and member service. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit us at our branch or give us a call at (401) 726-3895 to explore how our loan offerings can support your financial journey!
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $111,640, make buying or refinancing simple. We believe that everyone deserves the chance to own their home, and our competitive rates can help make that dream a reality.
Loan Aggregator
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