Credit union · NCUA insured
People's Credit Union
A $801.9M credit union headquartered in Middletown, RI, with 41,028 members and 6 branches in Rhode Island. Best rates: CDs 4.00% and savings 0.05% APY.
People's Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#26 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About People's Credit Union
Founded in Newport in 1922, People's Credit Union is a member-owned credit union.
The credit union operates six branch locations across Rhode Island, including Bristol, Middletown, Newport, North Kingstown, Portsmouth, and Wakefield.
Its stated purpose is to serve as a catalyst for positive change in the community.
- Headquarters
- 858 W Main Rd, Middletown, RI 02842
- NCUA charter
- 65861
Branches
6 branches in Rhode Island
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Rhode Island
6 branches
- Peoples Credit UnionMain office858 W Main Rd, Middletown, RI 02842Directions
- Peoples Credit Union50 Gooding Ave, Bristol, RI 02809Directions
- Peoples Credit Union7490 Post Rd, N Kingstown, RI 02852Directions
- Peoples Credit Union43 Memorial Blvd, Newport, RI 02840Directions
- Peoples Credit Union2537 E Main Rd, Portsmouth, RI 02871Directions
- Peoples Credit Union150 Old Tower Hill Rd, Wakefield, RI 02879Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.00% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.26% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $102 | $76 | — |
- CapitalNet worth ratio10.00%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.26%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$102Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of People's Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.