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

Introduction

Welcome to Rhode Island Credit Union, your trusted financial partner located at 860 Reservoir Ave, Cranston, RI 02910. Established in 1946, we have proudly served our community for over 75 years, building a solid foundation of trust and commitment. With a total membership of 27,800, we are dedicated to providing personalized banking services tailored to meet your unique needs. At Rhode Island Credit Union, we understand that your financial journey is important. That's why we manage assets totaling $407,833,086 while ensuring our members enjoy the benefits of our wide range of services, including auto loans, mortgage loans, and business banking solutions. Our total deposits stand at $15,001,566, reflecting the confidence our members place in us. Led by our CEO David Suvall and Board President Jane Correia, our team is committed to fostering a supportive environment where you can thrive financially. We are proud to maintain a net worth of $44,130,392, showcasing our stability and dedication to sound financial practices. Additionally, with total loans amounting to 15,351, we are here to help you achieve your goals whether it's buying a new car or financing a home. While members can visit us at our Cranston location for all their banking needs, official correspondence should be sent to our mailing address at 160 Francis Street, Providence, RI 02903-1118. We invite you to discover the benefits of being part of Rhode Island Credit Union. Feel free to reach out at 401-941-8770 or explore our services online at www.ricreditunion.org. Join us today and experience financial services designed with you in mind!

Branch History & Mission

A Journey of Growth and Commitment

The Rhode Island Credit Union opened its doors at 860 Reservoir Ave, Cranston, RI 02910, strategically located to serve the vibrant neighborhoods surrounding it. As we celebrate our rich history, we acknowledge the milestones that have shaped us. From our early days focused on providing basic savings and loan services to expanding into a full suite of offerings including auto loans, mortgages, personal loans, and business banking we have continually adapted to meet the changing needs of our members. Our mission is simple yet profound: to empower individuals and families through accessible financial services while fostering a sense of belonging within our community. We believe that everyone deserves a chance to thrive financially, which is why we strive to create products that are not only beneficial but also inclusive.

Community-Centric Values

While members can visit us at 860 Reservoir Ave, official correspondence should be sent to 160 Francis Street, Providence, RI 02903-1118. This dedication to accessibility extends beyond just physical locations; we also provide online and mobile banking options for convenient access anytime, anywhere. Our ATM services are readily available as well. We take pride in being more than just a credit union; we are an integral part of our community. Our outreach initiatives focus on supporting local organizations and events that enrich lives in Cranston and beyond. Whether it's sponsoring local youth sports teams or participating in community service projects, we believe in giving back.

Looking Ahead

In an age where technology plays a vital role in banking, we remain committed to enhancing our digital capabilities while ensuring ADA compliance for all members. With features like e-statements and mobile payments available, managing your finances has never been easier. As we continue this journey together with our members and the communities we serve, we invite you to join us. Experience the benefits of becoming a member of the Rhode Island Credit Union today! Reach out at 401-941-8770 or visit us online at www.ricreditunion.org for more information on how you can take control of your financial future with us by your side. Together, let's build a stronger tomorrow!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is essential for our members. Our Cranston branch is equipped with ADA-compliant features including ramps and designated parking spaces. You can easily navigate our space whether you're visiting us in person or using our ATM services available on-site.

Call to Action

Ready to experience hassle-free banking? We encourage you to visit us at our Cranston branch or give us a call at 401-941-8770 if you have any questions. At Rhode Island Credit Union, we're committed to helping you achieve your financial goals!

Convenient Location

Our branch is close to several local landmarks, including the beautiful Garden City Center and nearby parks, providing a welcoming atmosphere for all visitors. Whether you're running errands or just passing by, we invite you to stop in and discover how we can assist you with your financial journey.

Operating Hours

We want to be available when you need us! Our lobby hours are designed with your busy schedule in mind: open Monday through Wednesday from 8:30 AM to 4:00 PM; Thursday until 6:00 PM; and Friday until 7:00 PM. We're here to help during these hours with a variety of services tailored just for you.

Services Offered

At Rhode Island Credit Union, we offer a full suite of personal and business banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Our friendly staff is always ready to guide you through our offerings and help you make the most of your membership.

Member Eligibility

At Rhode Island, we believe that becoming a member means joining a community that genuinely cares about your financial well-being. If you're wondering whether you can join us, it's pretty simple! Our membership is open to anyone who lives, works, or worships in the area, as well as their family members. This means if you have a connection to our vibrant community here in Cranston, you're likely eligible to take advantage of all the benefits we offer. By becoming a member at Rhode Island, located at 860 Reservoir Ave Cranston Ri 02910, you'll gain access to a variety of financial services tailored just for you, including checking and savings accounts, auto loans, and more. Not only do we provide competitive rates and low fees, but we also pride ourselves on our personal service that makes banking feel friendly and approachable. Ready to get started? You can check out the detailed eligibility criteria and easily open an account by visiting https://internetloanapplication.cudl.com/rhodeisland/. If you have any questions or need assistance, don't hesitate to give us a call at (401) 941-8770 we're here to help!

Business Banking & Commercial Services

Business Loan Options

Imagine having the capital to expand your operations or invest in new equipment without the stress of traditional banking constraints. Our commercial loan options are designed to help you achieve just that. 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 our loan offerings, we provide merchant services that simplify payment processing for your business. Picture this: a busy Saturday at your store, and customers are ready to buy. With our reliable merchant services, you can accept payments effortlessly, ensuring a smooth checkout experience that keeps customers coming back. Whether you're looking to finance a new project or streamline your payment systems, Rhode Island is here for you. Visit us at 860 Reservoir Ave Cranston Ri 02910 in Cranston, RI, or call us at (401) 941-8770 to explore how we can help your business flourish!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive business banking solutions including merchant services and business loans that can help you grow and succeed. We understand the unique challenges businesses face, and we're here to provide the support needed to thrive.

Online & Mobile Banking Convenience

In today's fast-paced world, having access to your finances anytime is crucial. Our online and mobile banking platforms allow you to manage your accounts on-the-go with ease. Check balances, transfer funds, or pay bills directly from your smartphone. Plus, with ATM services available at our branch and around the area, withdrawing cash is quick and simple. At Rhode Island, we are committed to making banking easier for you. We invite you to visit us at 860 Reservoir Ave Cranston Ri 02910 or give us a call at (401) 941-8770 if you have any questions or need assistance with our services. Join us today at Rhode Island Credit Union where your financial well-being is our priority!

Personal Banking Solutions

Our personal banking services are designed with you in mind. Open a checking or savings account that fits your lifestyle and helps you reach your financial goals. If you're in the market for a new vehicle, consider our auto loans and vehicle financing options that offer competitive rates and flexible terms. For those interested in homeownership or refinancing, our mortgage loans can help you take that next step towards owning your dream home.

Support for Your Financial Journey

Managing debt can be overwhelming, but our personal loans and debt consolidation services are here to help simplify your finances. With easy application processes and personalized support, we aim to provide solutions tailored to your situation. Plus, don't forget about our credit cards with rewards! They offer great benefits for everyday purchases while helping you build credit.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your account balance, transfer funds, and pay bills all from the comfort of your own device. The ability to manage your finances in real time gives you peace of mind and control over your money. Plus, we offer E-Statements, so you can go paperless and view your statements whenever you need them. Need to send money quickly? Our person-to-person transfers make it easy to send cash to friends or family without the hassle of writing checks or handling cash. And for those who love using their smartphones, our mobile application allows you to complete transactions on the go. You can even make purchases with ease thanks to our mobile payments feature.

Security and Accessibility

Your security is our top priority. While we don't currently support electronic signature authorization, rest assured that all transactions through our online services are protected with robust security measures. This ensures that your personal information remains confidential while you enjoy convenient access to your accounts. In today's fast-paced world, having reliable online banking options is crucial. With Rhode Island, managing your finances has never been easier or more secure. Join us today and experience the freedom of digital banking!

Financial Strength

At Rhode Island, 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 a solid financial foundation that allows us to serve our community effectively. 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. 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. With $38,257,720 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 your financial goals across various sectors with $6,959 in used auto loans and $279,353,935 in total loans and leases. Our operational efficiency is evident in our $142,839, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 79 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares available for lending and investments totaling $11,305,849, we are well-equipped to support your needs. Total Share and Deposit Accounts stand at 43,684, showcasing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 860 Reservoir Ave Cranston Ri 02910 or call (401) 941-8770 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Options

In addition to these offerings, we provide various personal loans for debt consolidation and other needs. Our total credit lines amount to $42,018,543, giving you access to funds whenever necessary. If you're considering refinancing any of your existing loans, our team can help determine eligibility options that may benefit you. At Rhode Island, located at 860 Reservoir Ave Cranston Ri 02910, Cranston, RI, we're committed to providing tailored financial solutions that empower our members. If you're interested in learning more about any of our loan products or have questions about the application process, please don't hesitate to reach out at (401) 941-8770. 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 assisting you on your financial journey!

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $11,516,829 in loans helping members manage their finances effectively. Whether you're looking to build credit or need help covering unexpected expenses, our credit card options can provide the support you need.

Mortgage Loans

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 provide personalized guidance throughout the process, ensuring you understand each step as you work toward owning your home.

Loan Aggregator

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers. By partnering with established financial institutions, LendMesh guarantees that the information provided is accurate and up-to-date.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trust. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions about their borrowing options. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how LendMesh can significantly impact financial outcomes for its users. Explore your options today. Compare real-time loan offers 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.

RHODE ISLAND CREDIT UNION - Cranston, RI

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