Revity Credit Union Kingston RI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Rhode Island Credit Union, a trusted partner in your financial journey since 1946. Located at 50 Lower College Rd, Kingston, RI 02881, we pride ourselves on offering personalized banking services tailored to meet the needs of our over 27,800 members. Our commitment to our community is reflected in our robust financial health, boasting total assets of $407,833,086 and total deposits reaching $15,001,566. While you can visit us directly at our Kingston branch for all your banking needs, please direct any official correspondence to our mailing address at 160 Francis Street, Providence, RI 2903. At Rhode Island Credit Union, we believe that sound financial management begins with trust and transparency. Our dedicated team of 79 employees works tirelessly to ensure that each member feels valued and understood. Under the leadership of CEO David Suvall and Board President Jane Correia, we are committed to providing quality service that empowers you to achieve your financial goals. We offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. With a focus on innovation, our online and mobile banking options make it easier than ever for you to manage your finances on the go. Join us today and discover how we can help you build a brighter financial future. For inquiries or assistance, feel free to reach out at 401-789-0253. We look forward to welcoming you into our community!

Branch History & Mission

Community Focused

As technology has evolved, so have we. Our branch offers modern conveniences such as online banking, mobile payments, and ATM access for your ease of use. While we do not currently offer drive-thru service or shared service centers, we ensure that every interaction you have with us is customer-centric. Our lobby hours are Monday through Friday from 8:30 AM to 5:00 PM (4:30 PM on Thursdays), making it easy for you to find a time that fits your schedule. We also prioritize accessibility by adhering to ADA standards so that everyone can enjoy our services without barriers.

Join Us

As we look ahead, Rhode Island Credit Union remains steadfast in its mission to serve as a reliable partner for your financial journey. Whether you're seeking a personal loan or planning for retirement, we're here to help you every step of the way. We invite you to become part of our growing family at Rhode Island Credit Union. Experience how we can help you achieve your financial goals while being an integral part of a supportive community. Visit us today or explore more about what we offer at www.ricreditunion.org. Together, let's build a brighter financial future!

Our Mission

At Rhode Island Credit Union, our mission is clear: we strive to provide comprehensive financial services that empower individuals and families in our community. We believe in building strong relationships with our members based on trust and transparency. By offering personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards, we aim to meet your diverse financial needs. Our commitment extends beyond banking; we are dedicated to supporting local initiatives and outreach programs that uplift our Kingston community. We understand that a thriving community is built on collaboration and shared success.

Branch Location & Accessibility

Welcome to the Rhode Island Credit Union, conveniently located at 50 Lower College Rd in Kingston, RI. Our branch is nestled in a vibrant area close to local landmarks, making it easy for you to stop by while running errands or enjoying the beautiful surroundings. Whether you're heading to the nearby University of Rhode Island or exploring the charming shops and restaurants in Kingston, we are here to serve your banking needs. At our Kingston branch, you'll find ample parking, ensuring a hassle-free visit. We are committed to accessibility, with features designed to accommodate all members, including ADA-compliant ramps and spacious entryways. For those who prefer self-service options, our ATM is available for quick withdrawals and balance checks. Our friendly team is ready to assist you during our operating hours: Monday through Thursday from 8:30 AM to 4:30 PM and Friday until 5:00 PM. If you have any questions or need assistance with personal banking services such as checking and savings accounts, auto loans, or mortgages, don't hesitate to give us a call at 401-789-0253. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 160 Francis Street, Providence, RI 2903. We invite you to come in and see how we can help you achieve your financial goals. Your journey starts here at the Rhode Island Credit Union!

Member Eligibility

At Rhode Island, we believe that joining our community should be a warm and welcoming experience. Becoming a member is simple and open to those who live, work, or attend school in our area. Whether you're looking for personal banking solutions or want to tap into our range of loans, you'll find that we're dedicated to supporting your financial journey. We encourage anyone interested to explore the specific eligibility criteria on our website. If you're ready to start enjoying the benefits of membership, opening an account is a breeze just visit us online at https://internetloanapplication.cudl.com/rhodeisland/ or give us a call at (401) 789-0253 for any questions. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

Imagine running a café where you can accept payments seamlessly from customers using their favorite mobile wallets or cards. Our merchant services simplify transactions, making it easier for you to focus on what matters most serving your customers and growing your brand. If you're ready to take your business to the next level, visit us at 50 Lower College Rd Kingston Ri 02881 in Kingston, RI or give us a call at (401) 789-0253. Let's work together to turn your business dreams into reality!

Tailored Loan Options

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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options provide competitive rates that can fit any budget. Imagine driving off in the vehicle of your dreams with a loan designed just for you. Whether you're buying new or used, we're here to support you through the entire process.

Business Banking Services

For our business members, we offer tailored banking solutions including merchant services and business loans. We understand how important it is for local businesses to thrive, so we're dedicated to helping you navigate your financial needs successfully. At Rhode Island, our goal is not just about providing services but building relationships with our members. You can visit us at 50 Lower College Rd Kingston Ri 02881 or give us a call at (401) 789-0253 during our convenient hours: Mon - Thurs from 8:30 AM - 4:30 PM and Fri until 5:00 PM. We invite you to explore how we can support your financial journey today! Visit us online at https://www.ricreditunion.org/ or apply for an account here. Your financial well-being is our priority!

Credit Cards with Rewards

Don't forget about our credit cards with rewards! Use them for everyday purchases and earn points that can lead to exciting benefits. It's an easy way to make the most out of your spending while enjoying all the perks that come with being a member of Rhode Island.

Flexible Personal Loans

Life is full of unexpected expenses. Our personal loans and debt consolidation options are here to help lighten the load when you need it most. Whether it's for medical bills, home improvements, or consolidating debt into manageable payments, we're ready to assist.

Home Financing Made Easy

When it comes to home financing, Rhode Island offers mortgage loans and refinancing solutions that make owning a home more accessible. Picture yourself in a cozy living room, knowing that our team is ready to help simplify the mortgage process for you. We work closely with each member to find the best terms possible.

Personal Banking Solutions

Our personal banking options include checking and savings accounts designed to help you reach your financial goals. Need quick access to cash? With our ATM and cash withdrawal services, you can easily manage your funds whenever you need them. Plus, our online and mobile banking features make it simple to check balances, transfer money, and pay bills from anywhere right from your smartphone!

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking service allows you to manage your accounts with ease. You can check your balances, transfer funds, and pay bills without having to visit a branch. Plus, if you're looking for an eco-friendly option, we offer e-statements that let you go paperless while keeping track of your transactions securely. Need to send money quickly? Our person-to-person transfer feature makes it simple to send funds to friends or family with just a few clicks. Whether it's splitting a dinner bill or sending a birthday gift, it's all done in real time!

Mobile Convenience

Take banking on the go with our mobile application. Available for download now, it brings all the capabilities of online banking right to your fingertips. You can also take advantage of mobile payments, making it easier than ever to shop securely from your phone. Security is a top priority at Rhode Island. While we currently do not offer electronic signature authorization, rest assured that our systems are built with robust security measures to keep your personal information safe. With all these features, managing your money has never been easier! Embrace the convenience and efficiency of digital banking today and explore more at https://www.ricreditunion.org/.

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 understand the importance of trust when it comes to your finances, which is why we are proud to share our strong financial standing with you. 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. Our commitment to serving our members is reflected in our operations. With $38,257,720 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. We are also equipped to support your financial goals 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, allowing us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 79 full-time employees ready to assist you with knowledge and care. As of now, we have a total of 43,684 share accounts, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $11,305,849, further emphasizing our capacity to support your needs. 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 50 Lower College Rd Kingston Ri 02881 or call (401) 789-0253 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 $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 to make your borrowing experience as smooth as possible.

Credit Lines

For those who prefer more flexibility, our total credit lines amounting to $42,018,543 provide quick access to funds whenever you need them. This can be useful for unexpected expenses or planned purchases without taking out a traditional loan. Our commitment extends beyond just providing loans; we also focus on ensuring that our members have the right information regarding refinancing options and eligibility criteria. We believe that informed borrowers make better decisions for their financial futures. If you have any questions about our loan offerings or would like assistance in choosing the right product for you, don't hesitate to reach out! You can contact us at (401) 789-0253 or visit us at our branch located at 50 Lower College Rd Kingston Ri 02881 in Kingston, 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. Let's take the next step toward achieving your financial aspirations together!

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. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is here to assist you every step of the way.

Unsecured 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. These cards can be a great way to build your credit while enjoying rewards on your purchases.

Loan Aggregator

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Reliable 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), ensuring fair and transparent offers. This commitment to accuracy means that users can trust the information they receive when making financial decisions.

RHODE ISLAND CREDIT UNION - Kingston, RI

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