The Peoples Credit Union Wakefield RI | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to The Peoples, your trusted financial partner located at 150 Old Tower Hill Rd, Wakefield, RI 02879. Since our establishment in 1922, we have been dedicated to providing exceptional banking services tailored to the needs of our community. With a strong commitment to our members, we proudly serve over 41,838 individuals and families, helping them achieve their financial goals. At The Peoples, we're not just about numbers; we're about building relationships. Our total assets amount to a solid $749,908,649, reflecting our stability and reliability. With $28,912,947 in total deposits and a net worth of $78,241,451, you can trust that your finances are in safe hands. We also facilitate a diverse range of loans with a total of 12,090 loans and leases available to meet various needs. Our team is led by experienced professionals including CEO Sean Daly and Board President Christopher Ottiano, who are committed to ensuring that every member receives personalized service and support. Whether you need assistance with auto loans, mortgages, or personal banking solutions, we are here for you. While members can visit us at our branch address for all banking needs, official correspondence should be sent to our mailing address at 858 W Main Rd, Middletown, RI 2842. We invite you to reach out to us at 401-789-5551 during our operating hours: Monday through Thursday from 8:30 AM to 4:30 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to 1:00 PM. Experience the difference that a community-focused credit union can make in your financial journey. Visit us today or explore more about our services online at peoplescu.com.

Branch History & Mission

Commitment to Innovation and Community

We are dedicated to enhancing member experiences through digital advancements such as online banking and mobile payments. These tools allow our members to manage their finances conveniently from anywhere. Additionally, we ensure our facilities are ADA compliant so that everyone can access our services comfortably. Community outreach is also at the heart of what we do. We actively participate in local events and initiatives aimed at improving the quality of life in our area. Through partnerships with local organizations, we strive to make a positive impact on the lives of those around us.

Join Us

As we look ahead, The Peoples Credit Union remains committed to serving you with integrity and compassion. Whether you're looking for personal banking solutions or seeking support for your business endeavors, we're here for you every step of the way. We invite you to visit us during our operating hours Monday through Thursday from 8:30 AM to 4:30 PM, Friday until 6:00 PM, and Saturday until 1:00 PM or give us a call at 401-789-5551. Experience the difference that comes from being part of a credit union that truly cares about its members and community. Join us today!

Our Mission

At The Peoples Credit Union, we believe that everyone deserves access to quality financial services and personalized support. Our mission is not just about banking; it's about building relationships and empowering individuals and families. We strive to create an inclusive environment where all members feel valued and understood. While members can visit us at 150 Old Tower Hill Rd, official correspondence should be sent to 858 W Main Rd, Middletown, RI 2842. This dual-address system helps us maintain efficient operations while staying connected with our community.

Branch Location & Accessibility

Convenient Access

Our branch is easy to find and offers ample parking for our members. We take pride in being accessible to everyone, featuring ADA-compliant ramps and entryways that make it simple for all visitors to access our services. Whether you're stopping by for a quick transaction or looking for more personalized financial advice, we've got you covered.

Get in Touch

We invite you to stop by or give us a call at 401-789-5551 if you have any questions or need assistance. At The Peoples Credit Union, we look forward to serving you and helping you with all your financial needs! Whether you're a long-time member or new to our community, we're here for you every step of the way. Visit us today!

Operating Hours

We know that your time is valuable. That's why we offer flexible operating hours tailored to fit your schedule. Our lobby welcomes you Monday through Thursday from 8:30 AM to 4:30 PM, extending those hours on Fridays until 6:00 PM, and even opening on Saturdays from 8:30 AM to 1:00 PM. For those who prefer drive-thru banking, our drive-up service operates during similar hours, ensuring that you can get your banking done quickly and efficiently.

Services Tailored for You

At The Peoples Credit Union, we offer a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we are here to help you achieve your financial goals. Our ATM services are available around the clock, providing quick access to cash when you need it most. Plus, with our basic drive-thru banking option for simple transactions, visiting us has never been easier!

Member Eligibility

Joining The Peoples is like becoming part of a close-knit family that truly cares about your financial well-being. To become a member, you'll need to meet some simple eligibility criteria, which primarily include living or working in the local community or having a family member who is already a member. This makes it easy for most people to join! Once you're in, you'll enjoy personalized service and a range of financial products tailored just for you. Plus, as a member, you can take advantage of our competitive rates and community-focused initiatives that help make a positive impact. If you're ready to take the next step, opening an account at The Peoples is straightforward. Just give us a call at (401) 789-5551, or stop by our branch located at 150 Old Tower Hill Rd Wakefield Ri 02879 to get started. For detailed eligibility information, feel free to visit our website. We can't wait to welcome you to our community!

Business Banking & Commercial Services

Financing That Fuels 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 That Make Transactions Easy

In addition to loans, we offer comprehensive merchant services designed to simplify transactions. Imagine having the ability to accept payments seamlessly from customers, whether they're shopping online or visiting your storefront. Our systems are user-friendly and efficient, allowing you to focus on what truly matters growing your business. Located at 150 Old Tower Hill Rd Wakefield Ri 02879 in Wakefield, RI, we're here to partner with you on your journey toward success. Give us a call at (401) 789-5551 to learn more about how we can assist your business today!

Comprehensive List Of Services

Business Banking

For our business members, we offer essential services like merchant services and business loans that help you grow and manage your enterprise effectively. We understand the challenges of running a business, which is why we strive to provide solutions that work for you.

Credit Cards

Our credit cards with rewards offer great benefits for everyday purchases. Imagine earning points on groceries or gas! This is just one more way we aim to enhance your financial experience.

Drive-Thru Services

Need to make a quick deposit or withdrawal? Our basic drive-thru banking allows for easy transactions without leaving your car. It's perfect for those busy days when time is of the essence. At The Peoples, we believe in convenience and accessibility. Our branch hours are designed to accommodate your schedule: Monday through Thursday from 8:30 AM to 4:30 PM, Friday until 6:00 PM, and Saturday until 1:00 PM. If you're ever in need of assistance or have questions about any of our services, don't hesitate to call us at 401-789-5551. We invite you to visit us or explore our website at Peoples Credit Union for more information on how we can serve you better. Your financial well-being is our top priority!

Loans and Financing

If you're thinking about buying a new car or refinancing your home, look no further! We offer competitive auto loans and vehicle financing that help you get on the road without breaking the bank. For those looking to purchase a home, our mortgage loans and refinancing options provide flexibility and affordability tailored to your situation. Additionally, our personal loans and debt consolidation services give you the chance to manage expenses with ease.

Personal Banking

Our personal banking services are designed with you in mind. You can choose from various checking and savings accounts that fit your lifestyle. Need quick access to cash? Our ATM and cash withdrawal services ensure that you have your money when you need it most. Plus, with our online and mobile banking options, managing your finances has never been easier. You can check balances, transfer funds, and even make person-to-person payments right from your phone!

Digital & Online Banking

Key Features

Our online banking platform allows you to check your account balances, view transaction history, and transfer funds with just a few clicks. For those who prefer managing their finances on the go, our mobile application provides all these features right at your fingertips. You can also enjoy the convenience of mobile payments, making everyday purchases simpler than ever. If you're looking to send money quickly to friends or family, our person-to-person transfer feature lets you do just that without any hassle. Plus, with e-statements available, you can keep track of your financial activity in a paperless format that's both eco-friendly and efficient.

Security and Ease of Use

We prioritize your security and peace of mind. While we currently do not offer electronic signature authorization for transactions, our systems are designed with robust security measures to protect your personal information. Our user-friendly interface makes it easy for anyone to navigate through their accounts, regardless of tech-savviness. In summary, whether you're at home or on the move, The Peoples ensures that managing your finances is both accessible and straightforward. Experience the ease of online banking today by visiting https://www.peoplescu.com/ and discover how we can help simplify your financial life!

Financial Strength

Commitment to Growth

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

Member Trust

Total Share Accounts stand at 54,224, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $2,154,123, reinforcing our commitment to provide valuable services tailored to your needs. 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 150 Old Tower Hill Rd Wakefield Ri 02879 or call (401) 789-5551 to learn more about how we can help you achieve your financial goals.

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. 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.

Strong Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have 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 purchasing a brand-new model or a reliable pre-owned vehicle, we are ready to assist you with competitive rates and flexible terms.

Commercial Loans

For business owners seeking capital for growth and expansion, our outstanding commercial loans totaling $60,915,985 can provide the necessary funds. We understand that running a business comes with its own set of challenges; that's why we're committed to supporting local businesses with tailored financing solutions. Whether you're interested in refinancing an existing loan or exploring eligibility options for one of our services, our dedicated team is here to guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At The Peoples, we prioritize your financial well-being and are eager to help you navigate your borrowing options. Visit us today at our Wakefield branch or call us at 401-789-5551 for more information!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $33,178,309, making it easier for you to secure financing for your home purchase or refinance an existing mortgage.

Unsecured Credit Card Loans

For those looking to manage day-to-day expenses or make larger purchases without collateral, we also offer flexible terms on unsecured credit card loans. Currently, we have no outstanding unsecured credit card loans; however, our team is always available to discuss potential options tailored to your needs.

Loan Aggregator

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 commitment ensures that users receive fair and transparent offers tailored to their needs. - 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 quickly.

User Trust and Credibility

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!" This kind of feedback reinforces LendMesh's position as a trusted resource in the lending landscape. For anyone looking to navigate the complexities of loans, LendMesh offers a straightforward solution that emphasizes user empowerment through accurate information. 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 - Wakefield, RI

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