Revity Credit Union Pawtucket RI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Rhode Island Credit Union, your trusted financial partner located at 594 Central Ave, Pawtucket, RI 02861. Since our establishment in 1946, we have proudly served over 27,800 members, providing a range of services tailored to meet your financial needs. With a strong commitment to our community and an impressive total asset value of $407,833,086, we are dedicated to helping you achieve your financial goals. At Rhode Island Credit Union, we understand that every member is unique. That's why we offer personalized banking options, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our team is led by CEO David Suvall and Board President Jane Correia, who work tirelessly to ensure that our credit union remains a pillar of support for the community. While you can visit us at our Pawtucket branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 160 Francis Street, Providence, RI 2903. We encourage you to take advantage of our user-friendly online services available at www.ricreditunion.org, where you can access your accounts anytime. With total deposits amounting to $15,001,566 and a net worth of $44,130,392, our financial health reflects our commitment to safeguarding your money while providing exceptional service. Whether you're looking for competitive auto financing or need assistance with managing your savings, we're here for you. We invite you to call us at 401-722-8236 or visit us during our lobby hours Monday through Friday from 9 AM to 5 PM (with extended hours on Wednesday until 4:30 PM) and Saturday from 9 AM to 12 PM. Let's work together towards a brighter financial future!

Branch History & Mission

At Rhode Island Credit Union, we take pride in our rich history and commitment to serving the community. Founded in 1946, our branch has grown from a small group of members into a thriving financial institution with over 27,800 members. Located at 594 Central Ave in Pawtucket, RI, our branch is dedicated to providing exceptional financial services tailored to the needs of our local community. Over the years, we have witnessed significant milestones that reflect our evolution and growth. From humble beginnings, we have expanded our offerings and adapted to the changing needs of our members. Today, we proudly hold total assets of $407,833,086, which enables us to provide a wide range of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our mission at Rhode Island Credit Union is simple yet powerful: to empower our members by providing accessible financial services while fostering a sense of community and belonging. We believe that everyone deserves a chance to achieve their financial goals and dreams. This commitment drives us to offer not only competitive rates but also personalized support that helps our members navigate their financial journeys. While you can visit us at our branch location in Pawtucket for all your banking needs, please note that official correspondence should be sent to our mailing address at 160 Francis Street, Providence, RI 2903 if different from the branch address. Our operating hours are designed for your convenience: Monday from 9 AM to 5 PM, Tuesday and Wednesday from 9 AM to 4:30 PM, Thursday and Friday from 9 AM to 5 PM, and Saturday from 9 AM to 12 PM. In addition to traditional banking services, we are proud to offer modern conveniences such as online banking and mobile payments. Our branch is equipped with an ATM for easy cash access and features drive-thru banking for quick transactions without leaving your car. We also participate in shared service centers with partner credit unions to further enhance accessibility for our members. At Rhode Island Credit Union, community outreach is at the heart of what we do. We actively seek partnerships with local organizations and engage in initiatives that uplift those around us. Whether it's supporting local charities or hosting educational workshops on financial literacy, we strive to make a positive impact in Pawtucket and beyond. We invite you to join us on this journey toward financial empowerment. Experience the benefits of being part of a credit union that truly cares about its members and the community. Contact us today at 401-722-8236 or visit our website at ricreditunion.org to learn more about how we can help you achieve your financial goals!

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is crucial for all our members. Our branch is equipped with features such as ADA-compliant ramps and accessible parking spaces to make your visit comfortable. There's plenty of parking available right outside the branch, so you won't have to worry about finding a spot when you arrive.

Come Visit Us!

We invite you to come experience the welcoming atmosphere at Rhode Island Credit Union in Pawtucket. Feel free to give us a call at 401-722-8236 if you have any questions or need further assistance. Our team looks forward to serving you!

Operating Hours and Services

At Rhode Island Credit Union, we strive to accommodate your schedule. Our lobby hours are designed with your convenience in mind: we're open Monday through Friday from 9 AM to 5 PM, except on Wednesdays when we close at 4:30 PM. We also welcome you on Saturdays from 9 AM to 12 PM. Whether you need assistance with personal banking, auto loans, or online services, our friendly staff is here to help during these hours. In addition to traditional banking services like checking and savings accounts, we offer a range of options including auto loans and credit cards with rewards. Need quick access? Our ATM is available for cash withdrawals and balance checks whenever you need it. Plus, our drive-thru service allows for fast deposits and simple transactions without leaving your car!

Member Eligibility

Welcome to the Rhode Island community, where becoming a member means joining a supportive family dedicated to your financial well-being. If you're wondering whether you can join us, the good news is that many people qualify! Generally, membership is open to individuals who live, work, or worship in our service areas, making it easy for you to become part of our vibrant community. You'll enjoy benefits like competitive loan rates and personalized service that truly puts you first. To get all the details about eligibility requirements, feel free to check out this resource. When you're ready to take the next step and open your account, the process is straightforward and welcoming. Just visit our account opening page at https://internetloanapplication.cudl.com/rhodeisland/, or if you prefer a personal touch, give us a call at (401) 722-8236. We're here to help you every step of the way and can't wait for you to experience all the advantages of being part of Rhode Island at 594 Central Ave Pawtucket Ri 02861!

Business Banking & Commercial Services

Business Loan Options

Imagine having the capital you need to invest in new equipment or hire additional staff. 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. Additionally, 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 today's fast-paced world, efficient payment solutions are crucial for your success. Our merchant services make it easier for you to accept payments from customers, whether online or in-person. This convenience not only enhances customer satisfaction but also helps you manage your cash flow effectively. Visit us at 594 Central Ave Pawtucket Ri 02861 in Pawtucket, RI, or call us at (401) 722-8236 to learn more about how our business banking services can help your company thrive!

Comprehensive List Of Services

Business Banking

For our business members, we have comprehensive solutions including Merchant Services & Business Loans. We know how essential it is for businesses to manage cash flow efficiently, and we're here to support you every step of the way.

Credit Options

When it comes to managing day-to-day expenses, having access to credit is important. That's why we offer Credit Cards with Rewards earn points on purchases that can be redeemed for exciting rewards while enjoying low-interest rates.

Digital and Convenient Banking

In today's fast-paced world, convenience matters. That's why Rhode Island offers robust Online & Mobile Banking services, allowing you to manage your accounts anytime, anywhere. Need cash? Utilize our ATM & Cash Withdrawal Services, available at various locations for easy access to your funds. If you prefer face-to-face interactions but are short on time, our Basic Drive-Thru Banking makes it simple to conduct deposits and withdrawals without leaving your car. Plus, enjoy access to Basic Shared Branch Transactions, where members of partner credit unions can perform deposits and withdrawals seamlessly.

Personal Banking Solutions

We understand that personal banking is about more than just numbers; it's about building relationships and supporting our members' financial goals. Our Checking & Savings Accounts offer various options tailored to fit your lifestyle. If you're planning a new vehicle purchase, consider our Auto Loans & Vehicle Financing, which come with competitive rates to help you get on the road without breaking the bank. Need a home? Our Mortgage Loans & Refinancing options provide flexible solutions whether you're buying your first home or looking to refinance your existing mortgage. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation services can help you regain control of your finances.

Your Financial Partner

At Rhode Island, we're committed to being more than just a financial institution; we want to be your trusted partner in achieving financial success. Visit us at 594 Central Ave Pawtucket Ri 02861 in Pawtucket, RI, or contact us at (401) 722-8236 for more information about any of our services. Let us help you take the next step towards reaching your financial goals today! Explore all that we have to offer by visiting our website at Rhode Island Credit Union. We're excited to serve you!

Digital & Online Banking

Key Services

Our services allow you to access your accounts 24/7, giving you the freedom to check balances, pay bills, and transfer funds whenever it suits you. Need to send money quickly? Our person-to-person transfer feature makes it simple to share funds with family and friends in real-time. Plus, if you're on the go, our mobile application ensures you can handle your banking needs from anywhere. For those who prefer keeping track of their statements digitally, we provide e-statements. This eco-friendly option not only helps you stay organized but also enhances security by reducing paper clutter. While we currently do not support electronic signature authorization, our team is here to assist you with any paperwork you may need.

Security & Usability

Your security is our top priority. Our digital banking services are equipped with advanced security features designed to protect your personal information. We strive to make banking easy for everyone, so even if technology isn't your strong suit, navigating our online platform will feel straightforward and user-friendly. Whether it's making mobile payments or accessing your account through our secure website, every feature is crafted with you in mind. We want you to enjoy the benefits of banking without any hassle. Join us at Rhode Island today and experience the ease of digital banking that fits seamlessly into your lifestyle!

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 proud to share our financial strength with you, ensuring you can trust us with your hard-earned money. 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 commitment to lending is reflected in our $6,959 in used auto loans and $279,353,935 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is highlighted by our $142,839, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 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 594 Central Ave Pawtucket Ri 02861 or call (401) 722-8236 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. With a total of 13,918 auto loans issued, we are here to support your next adventure on wheels.

Credit Lines

If you're in need of additional funds for personal projects or unexpected expenses, consider our credit line options totaling $42,018,543. This product provides you with flexibility and peace of mind when it comes to managing your finances. At Rhode Island, we prioritize our members' financial well-being by providing transparent and supportive lending solutions. For more information or to start your loan application, please give us a call at (401) 722-8236. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $50,934,908. We make buying or refinancing simple and accessible for all our members. Our knowledgeable team is ready to guide you through the process and explore eligibility options that suit your needs.

Unsecured Credit Card Loans

For those looking to manage their finances effectively, we also offer flexible terms on unsecured credit card loans. With a total of $11,516,829 in loans, our credit cards come with rewards that can benefit your everyday spending.

Loan Aggregator

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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 approach ensures that you receive fair and transparent offers tailored to your situation. LendMesh employs several key features to enhance your loan comparison experience: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the information provided. - No Sponsored Listings: Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh focuses solely on providing unbiased results. Every user gets access to the same information, allowing for true comparisons. - Real-Time Rate Comparisons: LendMesh updates loan rates from multiple institutions in real-time, helping users make informed decisions without delay.

RHODE ISLAND CREDIT UNION - Pawtucket, RI

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