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

Introduction

Welcome to The Peoples, your trusted financial partner located at 7490 Post Rd, N Kingstown, RI 02852. Established in 1922, we have proudly served our community for over a century, building lasting relationships with our 41,838 members. At The Peoples, we believe that financial well-being is within everyone's reach, and we are committed to providing personalized banking solutions tailored to meet your needs. As of now, our total assets stand at an impressive $749,908,649, with total deposits of $28,912,947. We understand the importance of accessible funds; that's why our dedicated team has facilitated a robust loan portfolio comprising 12,090 loans and leases, ensuring that you can achieve your dreams be it buying a new home or financing a vehicle. While members can visit us at our branch for face-to-face service, official correspondence should be directed to our mailing address: 858 W Main Rd, Middletown, RI 2842. Our phone number is 401-885-9660, and we invite you to reach out with any questions or to schedule an appointment. Under the leadership of our CEO, Sean Daly, and Board President, Christopher Ottiano, we strive to create a welcoming environment where every member feels valued. With a team of 117 employees, we work diligently to ensure you receive the best service possible. Join us today and experience the difference that a community-focused credit union can make in your financial journey. Visit our website at peoplescu.com for more information on our services ranging from personal banking to business loans. We're here for you every step of the way!

Branch History & Mission

The Peoples Credit Union has a rich legacy that dates back to 1922, when it first opened its doors in N Kingstown, RI. Over the years, this community-focused institution has grown alongside its members, evolving into a trusted partner for financial services and support. With a commitment to serving the local community, The Peoples has amassed a total membership of 41,838 individuals who rely on its services for personal and business banking needs. Located at 7490 Post Rd, N Kingstown, RI 02852, our branch is easily accessible to all members. You can also reach us through our mailing address at 858 W Main Rd, Middletown, RI 2842 for any official correspondence. We are proud to offer a variety of financial products including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business loans. At The Peoples Credit Union, our mission is clear: we strive to empower our members by providing exceptional financial services while fostering community growth and support. We believe that banking should be more than just transactions; it's about building relationships and making a positive impact in the lives of those we serve. Our team is dedicated to ensuring that every member feels valued and supported in their financial journey. As technology advances, we remain committed to enhancing our services digitally while ensuring ADA compliance so everyone can access our offerings easily. Whether you prefer online banking or mobile payments, we have made it simple for you to manage your finances on your terms. For those who enjoy visiting us in person, our lobby hours are 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. We also offer drive-thru banking for added convenience. Our commitment extends beyond traditional banking; The Peoples actively participates in community outreach efforts and partnerships that strengthen the fabric of N Kingstown and surrounding areas. We believe in giving back and supporting local initiatives that uplift our community. With total assets amounting to $749,908,649, we are well-positioned to serve our members' needs now and into the future. If you are not yet a member of The Peoples Credit Union, we invite you to join us today. Experience firsthand how we can help you achieve your financial goals while being an active part of a caring community. Feel free to contact us at 401-885-9660 or visit our website for more information about becoming a member!

Branch Location & Accessibility

Get in Touch

Ready to explore what we have to offer? Feel free to give us a call at 401-885-9660 or stop by our branch today! Our friendly team is eager to assist you with all your financial needs and help you become part of our growing community at The Peoples Credit Union. We look forward to seeing you soon!

Local Landmarks and Accessibility

Situated near well-known local spots, including the beautiful Narragansett Bay and just a short drive from the scenic beaches of Rhode Island, The Peoples is not only centrally located but also surrounded by vibrant community life. Our branch features ample parking and easy access points to ensure a smooth visit for everyone. For those requiring additional assistance, we are proud to offer ADA-compliant features like ramps and accessible entrances.

Operating Hours and Services

We understand that convenience is key. That's why our lobby hours are designed to fit your busy schedule: 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 prefer the ease of drive-thru banking, we're open Monday through Thursday from 8:00 AM to 4:30 PM, Friday until 6:00 PM, and Saturday until 1:00 PM as well. At The Peoples, we offer a range of services tailored for personal banking including checking and savings accounts, auto loans, mortgages, and more. Plus, with our ATM availability and drive-thru service for simple transactions like deposits and withdrawals, accessing your money has never been easier!

Member Eligibility

At The Peoples, we believe that everyone deserves a place in our supportive community. Joining us is an exciting step towards accessing a range of financial services tailored just for you. To become a member, you'll find that eligibility is open to individuals living or working in the local area, as well as their family members. This means that if you're part of our community, you can enjoy the benefits we offer, from personalized banking solutions to competitive loan rates. For detailed and updated eligibility criteria, please check out our resource. Getting started is easy! You can open your account with us by visiting our branch at 7490 Post Rd N Kingstown Ri 02852 or by giving us a call at (401) 885-9660. Our friendly team is here to guide you through the process and answer any questions you might have. We look forward to welcoming you into the The Peoples family!

Business Banking & Commercial Services

Loan Options for 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.

Practical Merchant Services

In addition to loans, we offer merchant services that make everyday transactions easier. Whether you're processing payments or managing cash flow, our tools are designed to help you operate efficiently. Picture a busy Saturday at your shop our services ensure that every sale runs smoothly so you can focus on what matters most: serving your customers. At The Peoples, located at 7490 Post Rd N Kingstown Ri 02852, we are dedicated to empowering local businesses. Ready to take your business to the next level? Contact us today at (401) 885-9660!

Comprehensive List Of Services

Business Banking Made Easy

If you're a business owner, we have you covered too! Our business banking services include merchant services and business loans designed to help your business thrive. From managing cash flow to expanding your operations, we're here to support your entrepreneurial journey.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features such as online and mobile banking, allowing you to manage your accounts from anywhere at any time. With just a few taps on your phone or clicks on your computer, you can transfer funds, pay bills, and even send money to friends through our person-to-person payment options. You'll also find easy access to cash with our ATM services available around town. For those who prefer in-person transactions but are short on time, our drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Get Started Today!

No matter where you are in life whether you're just starting out or looking for ways to enhance your financial well-being The Peoples is here for you. Our friendly team is ready to assist you with all of your financial needs. If you have questions about any of our services or want to learn more about how we can help, please don't hesitate to reach out at (401) 885-9660 or visit us online at Peoples Credit Union. Join us today and experience the difference personalized service makes!

Loans That Fit Your Life

For those unexpected expenses or projects around the house, our personal loans and debt consolidation services can provide the financial relief you need. We also offer credit cards with rewards, giving you the chance to earn points on everyday purchases making each transaction more rewarding.

Personal Banking Solutions

Managing your finances can be simple with our personal banking options. We offer checking and savings accounts that help you save for short-term goals or plan for the future. Whether you're budgeting for a family vacation or saving for a new home, our accounts can adapt to your needs. If you're considering a new vehicle, check out our auto loans and vehicle financing. We understand that purchasing a car is a big decision, so we provide competitive rates and flexible terms to fit your budget. Plus, if you're looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing options can help make your dream home a reality.

Digital & Online Banking

Key Features

With our online banking platform, you can easily check your account balances, pay bills, and transfer funds all from the comfort of your home or on the go. Our mobile application makes banking even simpler, allowing you to perform transactions right from your smartphone. Plus, with person-to-person transfers, sending money to friends or family is quick and hassle-free. For those who prefer going paperless, we provide e-statements that let you view your financial information securely online. This feature not only helps the environment but also keeps your records organized and accessible whenever you need them.

Security and Accessibility

We take security seriously at The Peoples. Although we do not currently use electronic signature authorization, our online platform is built with strong security measures to keep your information safe. You can bank with peace of mind knowing that we are committed to protecting your personal data. Our 24/7 online banking services mean that whether it's early morning or late at night, you have full control over your accounts. With easy navigation and user-friendly features, managing your finances has never been easier. In short, digital banking at The Peoples puts you in charge allowing you to manage your money efficiently while ensuring a secure experience every step of the way. Join us today and discover how simple banking can be!

Financial Strength

Continuous Growth and Innovation

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. Additionally, with $5,426 in used auto loans and $600,812,075 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Focused on Members

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. We believe in investing back into our community for the benefit of all members.

Operational Efficiency

Our $238,437 reflects our operational efficiency, enabling 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.

Secure Savings Options

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. This means your hard-earned money is safe with us while you earn competitive returns.

Strong Financial Position

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.

Trusted Partnership

Net Shares (Funds available for lending and investments): $2,154,123. Total Share Accounts: 54,224, 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, The Peoples is your trusted partner. Visit us at 7490 Post Rd N Kingstown Ri 02852 or call (401) 885-9660 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 $88,565,747 in used vehicle loans and $35,654,836 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can find a plan that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $60,915,985 provide the capital needed to grow and expand. We're here to support local businesses with tailored financing solutions. We pride ourselves on our member-focused approach, offering personalized service and expert guidance every step of the way. Plus, if you're considering refinancing or exploring eligibility options for any of our products, we're here to assist with that as well. For more details on how we can help you meet your financial needs, feel free to reach out at (401) 885-9660, or visit us at 7490 Post Rd N Kingstown Ri 02852 in N Kingstown, RI. You can also explore our offerings online at Peoples Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also provide access to credit lines totaling $313,094,515. These flexible options allow you to manage expenses or make larger purchases without stress. If you need a little extra cash for personal needs, our unsecured credit card loans can help as well.

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 offer competitive rates and flexible terms to help you secure the home of your dreams.

Loan Aggregator

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How LendMesh Ensures 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 guarantees that users receive fair and transparent offers, allowing them to make informed financial decisions.

THE PEOPLES CREDIT UNION - N Kingstown, RI

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