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

Introduction

At The Peoples Credit Union, we believe in fostering strong relationships with our members and the community. Established in 1922, our branch located at 2537 E Main Rd, Portsmouth, RI 02871 has been a trusted financial partner for over a century. With a total membership of 41,838 and assets amounting to an impressive $749,908,649, we are committed to providing personalized service tailored to meet your financial needs. While you can visit us at our Portsmouth location, official correspondence should be directed to our mailing address at 858 W Main Rd, Middletown, RI 2842. Our dedicated team, led by CEO Sean Daly and Board President Christopher Ottiano, works tirelessly to ensure that you receive exceptional service and support. We take pride in our extensive offerings, which include personal banking services like checking and savings accounts, auto loans, mortgage options, and business banking solutions. With over 117 employees, we are here to assist you through every step of your financial journey. Our commitment to community impact is reflected not just in our services but also in our financial health. We currently hold a net worth of $78,241,451, ensuring stability and security for our members. Additionally, with cash readily available at $9,466,916, we are well-equipped to handle your banking needs efficiently. Whether you're looking to secure a loan or explore new savings options, we invite you to connect with us! Call us at 401-683-3166 or visit our website at peoplescu.com for more information. Your financial future is important to us let's build it together!

Branch History & Mission

At The Peoples Credit Union, we take pride in our rich history and unwavering commitment to our members. Established in 1922, our branch has been a cornerstone of the Portsmouth community for over a century. Located at 2537 E Main Rd, Portsmouth, RI 02871, we have witnessed incredible growth alongside our members, serving them with dedication and care. From our humble beginnings, The Peoples Credit Union has evolved into a trusted financial institution with a membership base of 41,838 individuals. Our total assets now stand at an impressive $749,908,649, reflecting our strong financial health and ability to meet the diverse needs of our community. Throughout the years, we have continually expanded our services to offer everything from personal banking solutions such as checking and savings accounts to auto loans and mortgage refinancing. Our mission is clear: to provide accessible financial services that empower our members while fostering community support. We are committed to ensuring that everyone has the opportunity to achieve their financial goals. By offering personalized service and innovative solutions, we strive to make banking easy and convenient for all. While members can visit us at 2537 E Main Rd, official correspondence should be sent to 858 W Main Rd, Middletown, RI 2842. Our doors are open during the following hours: 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. For those who prefer digital banking options, we provide online and mobile banking services along with ATM availability for quick cash access. We believe in giving back to our community. Over the years, we've partnered with local organizations to support various outreach initiatives aimed at improving lives in Portsmouth and beyond. This deep-rooted connection drives us to not only serve but also uplift those around us. The Peoples Credit Union is not just about numbers; it's about people our members who trust us with their finances every day. Join us today and experience firsthand the benefits of being part of a credit union dedicated to your success! For any inquiries or assistance, feel free to call us at 401-683-3166. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to The Peoples Credit Union, your friendly neighborhood banking partner located at 2537 E Main Rd in Portsmouth, RI. Our branch is conveniently situated just a stone's throw away from local landmarks, making it easy for you to stop by whether you're running errands or enjoying a day out in the community. At The Peoples, we understand that accessibility is key. Our location features ample parking and is fully ADA compliant, ensuring that everyone can visit us with ease. If you need assistance, our friendly staff is always ready to help. While members can visit us at our Portsmouth branch address, please note that any official correspondence should be sent to our mailing address at 858 W Main Rd, Middletown, RI. We know that your time is valuable, which is why we offer convenient operating hours. Our lobby is open Monday through Thursday from 8:30 AM to 4:30 PM, and on Fridays until 6:00 PM. We also welcome you on Saturdays from 8:30 AM to 1:00 PM for all your banking needs. For those who prefer to bank from their vehicles, our drive-thru service is available during these hours as well. In addition to traditional banking services, we are proud to offer an ATM for quick cash withdrawals and balance checks right at our location. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, The Peoples Credit Union has got you covered. We invite you to come visit us at The Peoples Credit Union in Portsmouth! If you have any questions or need assistance before your visit, feel free to give us a call at 401-683-3166. We look forward to serving you!

Member Eligibility

Becoming a member of The Peoples means joining a caring community that prioritizes your financial well-being. If you live, work, or worship in the Portsmouth area, you're already on your way to enjoying the benefits of membership! At The Peoples, we welcome individuals from various backgrounds, making it easy for you to connect and thrive. To learn more about specific eligibility details, feel free to visit our website at . Opening an account is just as straightforward! Our friendly team is here to guide you through the process, ensuring you have all the support you need along the way. Whether you're looking for personal banking options or loans, we're dedicated to helping you achieve your financial goals. If you have any questions or want to get started today, don't hesitate to call us at (401) 683-3166. Your journey with The Peoples awaits at our convenient location: 2537 E Main Rd Portsmouth Ri 02871!

Business Banking & Commercial Services

Business Loan Options

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

Imagine being able to process transactions effortlessly while managing your business efficiently. Our merchant services allow you to accept payments easily, enabling smoother customer experiences. From credit card processing to online payment solutions, we provide the tools you need to thrive in today's competitive marketplace. Visit us at 2537 E Main Rd Portsmouth Ri 02871 in Portsmouth, RI or give us a call at (401) 683-3166 to learn how we can help your business flourish!

Comprehensive List Of Services

Business Banking Support

At The Peoples, we know how important it is for businesses to have reliable financial support. Our Business Banking services include Merchant Services & Business Loans that help local businesses thrive. We're committed to being your partner in success by providing tailored financial solutions that meet the unique challenges of running a business.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features. You can manage your accounts from anywhere at any time whether you're checking balances, transferring funds, or paying bills on the go. Plus, with our easy-to-use ATM & Cash Withdrawal Services available right at your fingertips, accessing your money has never been simpler.

Drive-Thru and ATM Access

For those quick transactions, our Basic Drive-Thru Banking allows you to handle deposits, withdrawals, and other simple transactions without leaving your car. And if you're in need of cash or want to check your balance quickly, our ATMs are always available for basic access. We invite you to visit us at 2537 E Main Rd Portsmouth RI 02871 or call us at 4016833166 if you have any questions about our services or how we can assist you further. At The Peoples Credit Union, we're here for you every step of the way!

Personal Banking Made Easy

When it comes to personal banking, we offer Checking & Savings Accounts that fit various needs. Whether you're saving for a vacation or managing daily expenses, our accounts come with features that make managing your money straightforward. For those looking to purchase a vehicle, our Auto Loans & Vehicle Financing options can help you get behind the wheel quickly. Imagine driving off in your dream car with a loan that fits your budget. If you're considering homeownership or refinancing, our Mortgage Loans & Refinancing services are tailored to guide you through the process. We understand that buying a home is a significant step, and we're here to make it easier for you. Additionally, if you're facing unexpected expenses or need to consolidate debt, our Personal Loans & Debt Consolidation solutions provide flexible options.

Rewarding Credit Solutions

For those who like to earn while they spend, our Credit Cards with Rewards allow you to enjoy benefits every time you shop. From cash back to travel rewards, we have options that suit various spending habits.

Digital & Online Banking

Anytime Access

With The Peoples's online banking services available 24/7, you have complete control over your finances. Whether it's checking your balance late at night or making transfers during lunch breaks, everything is just a click away. Although we don't currently offer electronic signature authorization, our straightforward interface keeps things user-friendly. Join us today at The Peoples and experience the benefits of modern banking. Visit https://www.peoplescu.com/ to learn more about how we can help you manage your finances efficiently and securely!

Key Features for Your Convenience

Our online banking service allows you to check your balances, view transaction history, and transfer funds with just a few clicks. You can also take advantage of our e-statements feature, which gives you secure access to your account statements electronically no more waiting for paper statements in the mail! Plus, if you're on the go, our mobile application brings all these features right to your fingertips.

Stay Connected and Secure

Security is a top priority for us. We ensure that your personal information is protected while you enjoy the ease of online transactions. Our mobile payments feature lets you pay friends or businesses directly from your phone, making it simple to handle everyday expenses without the need for cash. If you want to send money to someone quickly, our person-to-person transfer option makes it easy and immediate.

Financial Strength

A Solid Foundation

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 $1,059 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

Total Share Accounts stand at 54,224, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $2,154,123, we are well-positioned to meet your needs now and in the future. 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 2537 E Main Rd Portsmouth Ri 02871 or call (401) 683-3166 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 is significant; with $5,426 in used auto loans and $600,812,075 in total loans and leases, we support our members' financial goals across various sectors.

Member-Focused Savings

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.

Operational Efficiency

Our $670,776 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.

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 brand-new model or a reliable pre-owned vehicle, our competitive rates and flexible terms make it easy for you to drive away satisfied.

Commercial Loans

For business owners, our outstanding commercial loans totaling $60,915,985 provide the capital needed to grow and expand. We understand that businesses have unique financial needs, and our team is here to assist you in finding the right solutions tailored to your business goals. At The Peoples, we believe in empowering our members with financial tools that align with their aspirations. If you're considering refinancing or exploring eligibility options for any of our loan products, feel free to reach out to us at (401) 683-3166. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today and discover how we can help you achieve your financial dreams!

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 provide various mortgage products and refinancing options that cater to different budgets and lifestyles. Let us help you take the next step toward owning your dream home.

Unsecured Credit Options

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option is perfect for those looking to consolidate debt or cover unexpected expenses without the need for collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees fair and transparent offers for all users. One of the key advantages of using LendMesh is its commitment to Verified Data. Loan offers are sourced exclusively from legitimate financial institutions, ensuring transparency in every comparison. Additionally, there are No Sponsored Listings on the platform; LendMesh does not prioritize lenders based on paid promotions. This means that users receive truly unbiased results when searching for loans. With Real-Time Rate Comparisons, LendMesh provides up-to-date loan rates from multiple institutions. This feature helps users make informed decisions based on the most current information available. Thousands of users trust LendMesh for their 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.

THE PEOPLES CREDIT UNION