Revity Credit Union Bristol RI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Rhode Island Credit Union, where we've been serving our community since 1946. Located at 390 Metacom Ave, Bristol, RI 02809, our branch is dedicated to providing personalized financial services to our 27,800 members. As a trusted credit union, we pride ourselves on fostering strong relationships with our members and ensuring their financial well-being. At Rhode Island Credit Union, we manage assets totaling an impressive $407,833,086 and have facilitated over 15,351 loans and leases. Our commitment to your financial health is evident in our total deposits of $15,001,566 and a net worth of $44,130,392, ensuring that your funds are secure and readily available. With a cash reserve of $1,702,213, we are prepared to meet your banking needs promptly. Our leadership team is dedicated to guiding you through your financial journey. Under the stewardship of CEO David Suvall and Board President Jane Correia, you can trust that we are committed to making a positive impact in the lives of our members. We're not just about numbers; we strive to create a welcoming environment where everyone feels valued. While members can visit us at our Bristol branch for all their banking needs, official correspondence should be sent to our mailing address: 160 Francis Street, Providence, RI 2903. We invite you to explore our range of services from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our friendly staff is here to assist you during lobby hours: Monday through Wednesday from 8:30 AM to 3:30 PM, Thursday from 8:30 AM to 5:30 PM, and Friday from 8:30 AM to 7:00 PM. Ready to take the next step in your financial journey? Call us today at 401-253-1313 or visit our website at www.ricreditunion.org for more information. Join us at Rhode Island Credit Union where your financial goals become our mission!

Branch History & Mission

At Rhode Island Credit Union, we pride ourselves on a rich legacy that dates back to 1946 when our doors first opened in the heart of Bristol, RI. Over the years, we have grown from a small community-focused organization into a trusted financial partner for over 27,800 members. Our branch at 390 Metacom Ave, Bristol, RI 02809 is not just a location; it's a hub of support and service for our community. Our mission is straightforward: to provide exceptional financial services while fostering community growth and empowerment. We believe in the power of people helping people, which drives us to offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We are committed to making banking accessible and beneficial for everyone. While members can visit us at 390 Metacom Ave, official correspondence should be sent to our mailing address at 160 Francis Street, Providence, RI 2903. Our operating hours are designed to accommodate your busy schedule: Monday through Wednesday from 8:30 AM to 3:30 PM; Thursday until 5:30 PM; and Friday until 7:00 PM. Additionally, we proudly offer ATM services and drive-thru banking for your convenience. As we continue to grow our total assets to over $407 million, we remain dedicated to investing in our technology and customer-centric initiatives. This includes online banking capabilities, mobile payments, and ADA compliance to ensure all members have equal access to our services. Community outreach is at the core of what we do. We actively engage in partnerships that promote local development and support various charitable causes within Bristol and beyond. Through these efforts, we aim to strengthen ties with our members and make a positive impact on their lives. Join us at Rhode Island Credit Union where your financial future is our priority. Experience firsthand how we can help you achieve your goals whether you're saving for a home or planning for retirement. Reach out today at 401-253-1313 or visit us online at www.ricreditunion.org to learn more about becoming a member!

Branch Location & Accessibility

Available Services

At the Rhode Island Credit Union, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you navigate your financial journey. Our ATM is available for quick cash withdrawals and balance checks anytime you need it.

Convenient Access and Services

Finding us is easy, and parking is hassle-free, ensuring that your visit is as smooth as possible. We are committed to accessibility for all our members, featuring ADA-compliant entrances and ramps so everyone can enjoy our services without difficulty. Whether you prefer to walk in or use our drive-thru service, we've got you covered. While members can visit us at 390 Metacom Ave, official correspondence should be sent to our mailing address at 160 Francis Street, Providence, RI 2903.

Get in Touch

Our dedicated team is ready to assist you! If you have questions or need more information about our services, don't hesitate to give us a call at 401-253-1313. We invite you to visit us soon and discover how we can support your financial goals at the Rhode Island Credit Union!

Operating Hours

We understand that life can get busy. That's why our operating hours are designed to fit into your schedule. We welcome you from Monday to Wednesday between 8:30 AM and 3:30 PM, and we extend our hours on Thursday until 5:30 PM and Friday until 7:00 PM. This gives you plenty of opportunities to stop by when it's convenient for you.

Member Eligibility

At Rhode Island, we believe that everyone deserves the chance to join a friendly, supportive community. If you're looking to become a member, you'll find that eligibility is open to those who live, work, worship, or attend school in our local area. It's our way of welcoming you into a space where your financial goals are prioritized and nurtured. Plus, as a member of Rhode Island, you'll enjoy access to a variety of personalized services designed to make your banking experience seamless and rewarding. Getting started is easy! You can find all the details about membership eligibility by visiting our website. Once you see that you qualify, opening an account is just a few clicks away through our online application at https://internetloanapplication.cudl.com/rhodeisland/. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (401) 253-1313. Join us today at 390 Metacom Ave Bristol Ri 02809 and take the first step towards a brighter financial future!

Business Banking & Commercial Services

Business Loan Options

Imagine securing the funding you need to expand your operations or invest in new equipment. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member or non-member commercial loans available, we are dedicated to helping local businesses thrive through future financing opportunities.

Merchant Services

In today's fast-paced market, having efficient payment solutions is crucial. Our merchant services provide you with the tools needed to accept payments easily and securely. This means you can focus on what matters most serving your customers and growing your business. Located at 390 Metacom Ave Bristol Ri 02809, we're here to help you navigate the financial landscape and find the right solutions for your unique needs. Reach out today at (401) 253-1313 to learn more about how we can assist your business journey!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on-the-go? Our ATMs provide quick access for withdrawals and balance checks without any hassle. Plus, with drive-thru banking available for deposits and simple transactions, managing your money has never been easier. At Rhode Island, we're committed to making financial services accessible and user-friendly for all our members. If you have questions about any of our services or wish to open an account, don't hesitate to contact us at (401) 253-1313 or visit us today! Your financial journey starts here at Rhode Island Credit Union!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options provide flexible terms and competitive rates that make it easy for you to get behind the wheel of your dream car. Picture yourself cruising down the road without the stress of high monthly payments. We guide you through the application process, ensuring you understand all your options.

Business Banking

For our entrepreneurial members, we offer comprehensive business banking services including merchant services and business loans. Think about how streamlined operations can help grow your business; we're here to support you every step of the way.

Credit Cards with Rewards

Enjoy shopping and earn rewards at the same time with our credit cards! Whether it's cash back on everyday purchases or points toward travel, our credit cards are designed to enhance your spending experience while providing value.

Mortgage Loans & Refinancing

If homeownership is on your horizon or if you're considering refinancing your current mortgage, we have tailored solutions for you. Our mortgage loans are structured to meet a variety of needs, whether you're buying your first home or upgrading to something larger. With our expert guidance, you can navigate the complexities of home financing with confidence.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. From checking balances to making transfers or paying bills, everything is just a click away.

Personal Banking

Managing your everyday expenses has never been easier with our personal banking services. We offer checking and savings accounts designed to fit your lifestyle. Imagine having quick access to your funds online or through our mobile app it's as simple as a few taps on your smartphone! Our accounts come with features that help you save and plan for the future, making it easier than ever to reach your financial goals.

Personal Loans & Debt Consolidation

For those unexpected expenses or if you're looking to consolidate debt, our personal loans offer a straightforward solution. Imagine simplifying your monthly payments into one easy-to-manage loan this could be just what you need to regain control of your finances.

Digital & Online Banking

Key Features

Our online banking service provides you with 24/7 access to your accounts. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, for those who prefer a more personal touch, our person-to-person transfer feature makes it easy to send money to friends or family without any hassle. If you're always on the move, our mobile application is just what you need. It offers the same great features as online banking but tailored for your smartphone. You can make payments quickly with our mobile payments feature, ensuring you never miss a beat.

Secure and Accessible

Security is a top priority for us at Rhode Island. We ensure that all your transactions are protected so you can bank with peace of mind. For added convenience, we also offer e-statements which allow you to view your account statements electronically saving trees and making it easier to keep track of your finances. While we do not support electronic signature authorization at this time, we remain committed to providing safe and reliable services that cater to our members' needs. In short, our digital banking services empower you to take control of your financial life with ease and security. Explore all that we have to offer by visiting https://www.ricreditunion.org/ today!

Financial Strength

Commitment to Growth

Our commitment to our members is reflected in our $38,257,720 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $6,959 in used auto loans and $279,353,935 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member Savings Protection

Members' savings are secured through $81,785,275 in share certificates and $18,437,158 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.

Operational Efficiency

Our operational efficiency is highlighted by our $142,839, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 79 full-time employees and 0 part-time employees who are always ready to assist you with their knowledge and commitment.

Strong Financial Health

With a net worth of $44,130,392, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.81% 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

Net Shares (Funds available for lending and investments): $11,305,849. Total Share Accounts: 43,684, 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, Rhode Island is your trusted partner. Visit us at 390 Metacom Ave Bristol Ri 02809 or call (401) 253-1313 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 $105,045,197 in used vehicle loans and $32,363,361 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. Although there are currently no outstanding commercial loans at this branch, we remain committed to supporting local businesses when opportunities arise.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $50,934,908, make buying or refinancing simple. We offer guidance through the process, making sure you understand every step along the way.

Personal Financing Solutions

In addition to auto and mortgage loans, we also have unsecured credit card loans available. With a total of $11,516,829 in loans helping members manage their finances effectively, these cards come with flexible terms that can fit into your budget seamlessly.

Refinancing Options

If you're considering refinancing existing debts or exploring eligibility for our loan products, we're here to help. Our knowledgeable team can assist you in understanding your options and guide you through any necessary steps. At Rhode Island, we prioritize your financial well-being. If you're interested in learning more about our loan offerings or want personalized assistance, feel free to reach out at (401) 253-1313 or visit us at 390 Metacom Ave Bristol Ri 02809, Bristol, RI. 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 look forward to helping you achieve your financial goals!

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RHODE ISLAND CREDIT UNION - Bristol, RI

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