Rhode Island Credit Union has experienced many changes throughout our history. The Board and Management have continued to respond to industry changes in an effort to keep up with an ever changing financial and technological market. Our unique business model where credit union members are the owners of the institution proves to be as effective today as it was in 1946 when Rhode Island Credit Union was founded.
The idea of serving only the needs of credit union members, not distant shareholders is what guides our decision-making process. It is inevitable that changes will be made from time to time to keep the Credit Union viable and competitive. Like every other business, we adapt to the business realities of our time.
The idea of serving only the needs of credit union members, not distant shareholders is what guides our decision-making process. It is inevitable that changes will be made from time to time to keep the Credit Union viable and competitive. Like every other business, we adapt to the business realities of our time.
Services
Each year more and more Americans have their identity stolen and our goal at Rhode Island Credit Union is to provide you with the information you need to help protect yourself against identity theft and fraudulent activity. Fraud, scams and identity theft can take place in person, by telephone, mail and most commonly online.
No monthly service charge with low $300 daily balance or $5 monthly fee if balance is not maintained. No monthly service charge with low $1,000 daily balance or $15 monthly fee if balance is not maintained. For tips on maintaining and balancing your checking account, review Eight Simple Steps for Balancing your Checkbook.
All rates subject to change without notice. Maximum LTV = 95%. PMI required on loans over 80%. All Fixed Rate Mortgages are fully amortizing loans. The rate will be fixed and your monthly principal and interest payments will not change for the term of the loan. The HMDA data about our residential mortgage lending are available for review.
Rhode Island Credit Union can help you attain financial success whether you need a small loan or a larger bill consolidation loan. You can choose from a fixed rate option with a term up to 60 months or maybe a line of credit is your preference. A Prime Line of Credit can serve as an emergency fund or a way to pay for something that is out of your financial reach.
Reviews (19)
Steven Antonelli
Dec 02, 2021
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I have been a customer for more than 20 yrs and never had a problem….When I went in for debt consolidation they were more then helpful and help me achieve my goal and as a member there I got a terrific rate…..BUT CAN YOU PLEASE MAKE A APP OR A BETTER EXPERIENCE FOR ONLINE USE ITS ABSOLUTELY INFURIATING but all in all in use case they have been stellar and always helpful…I only use the providence branch though so speak for them specifically.
Shannon Haynes
Oct 21, 2021
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Worst bank ever. Their policies make no sense. No two branches follow the same rules. Tammy is rude and speaks to her customers like children. Their online banking is useless. They claim to have to do everything in person. Maybe of they updated their technology they wouldn't have a problem. The only bank where I can't access my account online and do anything. Closing my accounts so I never have to go there again.
Nico Mota
Sep 13, 2021
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Dawn Lopes-Cabral
Jul 08, 2021
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Rick Silva
Mar 18, 2021
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Maurice Clermont
Dec 18, 2020
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Vin Ortez
Aug 29, 2020
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I have done 2 car loans with this credit union and both with Marilyn Meas. She worked hard for us, very professional, answered all our questions. And when we found a car she did her best to give us a quick closing. She's in the Cranston office. Great employee and thank you for working hard on our behalf.
Puneet Pagi
Aug 09, 2020
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Kevin Roach Jr
Jun 19, 2020
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Lynn DiRaimo Palumbo
Mar 03, 2020
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A. Rod
Oct 24, 2019
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The absolute worst banking institution I have ever dealt with. None of the staff members ever smile. The online banking is very “clunky” to say the least. They aren’t open on Saturdays. You’re unable to transfer funds to other account holders (wife, children, friends). The monthly fees for having an account are also more expensive than other major banks which offer much more. Save yourself a headache and thank me later.
Jaye Mbp
Jul 18, 2019
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Provides outdated banking, online features are sparse at best. There is no banking app. Service is mediocre. To top it off there is not one bathroom available to members out of the entire building at the branch on Francis street in Providence. This bank just doesn't offer much if your looking to bank somewhere in Providence, keep looking is my recommendation.
Victoria Fallon
Jul 08, 2019
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Walked in to open an account and sat in the lobby for fifteen minutes without anyone saying a word to me. Two reps, one helping a customer and the other sitting at her computer looking busy. No acknowledgment. SonI am bringing my business somewhere else. Why Sprint partners with this credit union I’ll never understand.
Beverly Dwyer
Apr 15, 2019
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Adam Rod
Dec 29, 2018
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Teresa Villa-Ignacio
Sep 29, 2018
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Lori-Ann Perry
May 10, 2018
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Victor Arruda
Jan 31, 2018
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Beverly Dwyer
Nov 28, 2017
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