Rhode Island Credit Union
Headquarters
160 Francis Street
Providence, RI 02903
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2024 Overview
General Credit Union Information
Rhode Island is an NCUA insured institution located in Providence, RI. It was founded in 1946 and has approximately $407.1 millions in assets.
Who can join?
Membership is open to anyone who lives or works in Rhode Island or within 50 miles of the Rhode Island border.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67269 |
| Date Established | 1946 |
| Assets | $407.10 million |
| Loans | $279.17 million |
| Deposits | $360.03 million |
| Capital | $44.06 million |
Field of Membership Restrictions
Membership is open to anyone who live or work within the state of Rhode Island or within 50 miles of the Rhode Island border.
Deposit Rates - November 2, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 2, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Rhode Island
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.987% | 6.875% | 0.88 | $3,654 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Rhode Island
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Rhode Island branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Rhode Island Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 536.31 | A | View Lobby Hours | |
| 614.49 | B | View Lobby Hours | |
| 616.91 | C | View Lobby Hours | |
| 625.43 | D | View Lobby Hours | |
| 633.40 | E | View Lobby Hours | |
| 633.43 | F | View Lobby Hours |
Climate Policy and Initiatives
RHODE ISLAND is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Rhode Island Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Rhode Island. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Rhode Island | U.S. Average |
|---|---|
| 2.06% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Rhode Island had $889,815 in non-current loans and $34,200 in owned assets. To cover these potential losses it had $44,059,947 in net worth and $900,000 in loans loss reserves. That gives it a Texas Ratio of 2.06%.
Net Worth
| Rhode Island | U.S. Average |
|---|---|
| 10.81% | 13.93% |
Rhode Island FCU has a net worth of 10.81% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Rhode Island
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