The Peoples Credit Union Middletown RI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to The Peoples Credit Union, your trusted financial partner since 1922. Located at 858 W Main Rd, Middletown, RI 02842, we have proudly served our community for over a century. With a strong commitment to enhancing the lives of our members, we currently support 41,838 individuals and families in their financial journeys. At The Peoples, we understand that banking isn't just about numbers it's about people. That's why we focus on providing personalized services tailored to meet the unique needs of each member. Our total assets amount to an impressive $749,908,649, demonstrating our stability and reliability as your local credit union. We are dedicated to helping you achieve your financial goals, whether it's through our various loan options totaling 12,090 or our secure deposit accounts which have reached $28,912,947. Under the leadership of CEO Sean Daly and Board President Christopher Ottiano, our team of 117 employees is committed to delivering exceptional service with a personal touch. We believe in giving back to our community and building lasting relationships with those we serve. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 858 W Main Rd, Middletown, RI 2842. For inquiries or assistance, don't hesitate to call us at 401-846-8930 or explore more about our services on our website at peoplescu.com. Join us today and experience the difference that comes with being part of The Peoples Credit Union family!

Branch History & Mission

The Peoples Credit Union has a rich legacy that began in 1922, when it first opened its doors to the community of Middletown, RI. Over the years, this credit union has grown significantly, now proudly serving over 41,000 members and managing total assets amounting to an impressive $749,908,649. Located at 858 W Main Rd, Middletown, RI 02842, our branch is not just a financial institution; it's a hub of support for our members and the surrounding community. From our humble beginnings nearly a century ago, The Peoples has consistently evolved to meet the needs of our members. Our mission is simple yet profound: to provide accessible and affordable financial services while fostering strong relationships within our community. We believe in empowering individuals and families through education and resources that promote financial well-being. Our commitment goes beyond traditional banking services. We offer personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. Members can also take advantage of our online and mobile banking features for convenience on-the-go. Additionally, we have implemented customer-friendly initiatives like ADA compliance to ensure that everyone can access our services with ease. While you can visit us at our main location in Middletown, official correspondence should be sent to the same address: 858 W Main Rd, Middletown, RI 02842. For those who prefer direct communication, feel free to reach out to us at (401) 846-8930. At The Peoples Credit Union, we are dedicated to giving back to the community through partnerships and outreach programs that uplift those around us. Whether it's through local sponsorships or educational workshops aimed at financial literacy, we strive to create a positive impact where it matters most. Join us today and become part of a community that values your financial growth as much as you do. Experience firsthand how The Peoples Credit Union can support you on your journey toward achieving your financial goals!

Branch Location & Accessibility

Welcome to The Peoples Credit Union, your friendly financial partner located at 858 W Main Rd in beautiful Middletown, RI. We are proud to serve our members in Newport County and beyond with a convenient and accessible banking experience. Our branch is just a short drive from local landmarks such as the stunning Sachuest Point National Wildlife Refuge and the vibrant downtown area, making it easy for you to stop by whenever you need assistance. At The Peoples Credit Union, we understand that accessibility is key. Our branch is designed with ADA compliance in mind, ensuring that everyone can navigate our space comfortably. Plus, ample parking is available right outside our doors, so you won't have to worry about finding a spot when you visit us. We are dedicated to providing a range of services tailored to your needs. Whether you're looking to open a checking account, apply for an auto loan, or explore mortgage options, our friendly staff is here to help. You can also enjoy the convenience of our ATM services and drive-thru banking for quick transactions without leaving your vehicle. Our lobby hours make it easy for you to fit banking into your busy schedule. We're open Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 8:30 AM to 1:00 PM. If you have any questions or need assistance outside of these hours, feel free to call us at 401-846-8930. While members can visit us at 858 W Main Rd, please note that official correspondence should be sent to the same address. We invite you to stop by today and discover how The Peoples Credit Union can support your financial journey!

Member Eligibility

Becoming a member of The Peoples is like opening the door to a warm, welcoming community where your financial well-being is our top priority. If you're looking to join us, you'll be pleased to know that membership is open to individuals who live, work, or worship in our vibrant community. We believe in making banking accessible for everyone, so if you meet these simple criteria, you're already on your way to enjoying the benefits we offer. To learn more about eligibility details, feel free to visit this link. Once you've confirmed your eligibility, opening an account with us is straightforward and convenient. You can start the process by reaching out at (401) 846-8930, or simply drop by our branch located at 858 W Main Rd Middletown Ri 02842. Our friendly team is here to guide you through every step, ensuring you feel confident and supported as you join our family at The Peoples. We can't wait to welcome you!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $229 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $60,915,985, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Tailored for You

In addition to loans, we offer comprehensive merchant services that simplify transactions and enhance your operational efficiency. Imagine running your shop without worrying about payment processing delays or complicated systems. Our easy-to-use merchant solutions ensure you can focus on what matters most serving your customers and growing your business. Visit us at 858 W Main Rd Middletown Ri 02842 in Middletown, RI, or call us at (401) 846-8930 to learn how our tailored solutions can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With ATMs available for quick cash withdrawals and basic banking transactions like deposits and balance checks, managing cash flow is straightforward. Our drive-thru service adds another layer of convenience for simple transactions without leaving your vehicle. We believe that everyone deserves access to top-notch financial services without the hassle. If you're interested in learning more about any of our offerings or need assistance with an existing account, don't hesitate to reach out! Call us at (401) 846-8930 or visit us at 858 W Main Rd Middletown Ri 02842. Let's work together towards a brighter financial future!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are designed with competitive rates and flexible terms to get you on the road quickly. Picture yourself driving off in that new vehicle without the stress of complicated financing.

Business Banking Services

For local business owners, we offer specialized business banking services that include merchant services and business loans. We aim to empower local businesses by providing financial tools that promote growth and stability.

Convenient Digital Banking Features

At The Peoples, convenience is key. With our online and mobile banking platforms, accessing your account has never been easier. You can manage your finances anytime and anywhere, whether it's paying bills, transferring money through person-to-person payments, or simply checking balances all at your fingertips.

Credit Cards with Rewards

For those who love earning rewards on their purchases, check out our credit cards with rewards programs. From cash back to travel points, these cards make every purchase count while helping you build credit.

Mortgage Loans & Refinancing

If homeownership is on your radar, or if you're considering refinancing, our mortgage loan services will guide you through the process. We offer various options tailored to suit different budgets and needs, making it easier than ever to turn your dream home into reality.

Personal Banking Solutions

Managing your day-to-day finances is made easy with our personal banking services. Whether you're looking for checking and savings accounts or simply want a reliable place to store your money, we've got you covered. Our accounts come with features that fit your lifestyle, allowing for easy access and management through online and mobile banking. Imagine checking your balance or transferring funds right from your smartphone!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans can provide the financial cushion you need. Additionally, if you're looking to simplify your finances, our debt consolidation services can help streamline your payments into one manageable monthly amount.

Digital & Online Banking

Key Features

Our 24/7 online banking services allow you to check balances, pay bills, and transfer funds with just a few clicks. You can also take advantage of person-to-person transfers, making it simple to send money to friends or family without any hassle. Plus, with our mobile application available for download, you have the power of banking right in your pocket. For those who prefer paperless options, we offer e-statements that keep you informed while helping the environment. These statements are easy to access and can be reviewed anytime. And if you're looking for added convenience, our mobile payments feature allows you to make purchases using your smartphone no need to carry cash or cards!

Security and Accessibility

We prioritize your security with every transaction you make. Our online banking platform is protected with advanced encryption technology, ensuring that your personal information remains safe. You don't have to worry about unauthorized access; your financial peace of mind is our commitment. With all these user-friendly features at your fingertips, managing your finances has never been simpler. At The Peoples, we're dedicated to providing accessible and efficient banking solutions that fit into your lifestyle. For more information on how to get started with our digital services, visit us at https://www.peoplescu.com/ today!

Financial Strength

At The Peoples, 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 that in today's world, having a reliable financial partner can make all the difference. That's why we are proud to share our strong financial standing with you. With a net worth of $78,241,451, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.59% 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 $139,076,286 in share certificates and $96,542,191 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 $67,284,854 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 members' financial goals across various sectors with $5,426 in used auto loans and $600,812,075 in total loans and leases. Our operational efficiency is reflected in our $238,437, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 114 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 54,224, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments) amount to $2,154,123. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Peoples is your trusted partner. Visit us at 858 W Main Rd Middletown Ri 02842 or call (401) 846-8930 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 $88,565,747 in used vehicle loans and $35,654,836 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have options that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $60,915,985 provide the capital needed to grow and expand. We understand that running a business comes with its challenges, and our loan products are designed to support your ambitions. If you're considering refinancing any existing loans or exploring eligibility options for any of our products, our team is here to help guide you through the process. Feel free to reach out to us at (401) 846-8930 or visit us at our branch located at 858 W Main Rd Middletown Ri 02842 in Middletown, RI. Let's work together to find the perfect loan solution tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $33,178,309, make buying or refinancing simple. We aim to provide flexible terms that suit your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This can be an excellent tool for those looking to consolidate debt or cover unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" Compare real-time loan offers today 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.*

How LendMesh Ensures Accurate 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 means you can trust that the information presented is accurate and reliable.

THE PEOPLES CREDIT UNION - Middletown, RI

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