Credit union · NCUA insured
Rhode Island Credit Union
Top CarrotA $426.8M credit union headquartered in Warwick, RI, with 27,935 members and 8 branches in Rhode Island. Best rates: CDs 4.80% and savings 0.75% APY.
Rhode Island Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#8 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Rhode Island Credit Union
Founded in 1946, Rhode Island Credit Union is a member-owned financial cooperative headquartered in Warwick, Rhode Island.
- Headquarters
- 95 Jefferson Blvd, Warwick, RI 02888
- NCUA charter
- 67269
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals living in Massachusetts or Connecticut.
- Membership is open to individuals and organizations living, working, or having a place of business in Rhode Island.
Branches
8 branches in Rhode Island
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Rhode Island
8 branches
- Rhode Island Credit UnionMain office95 Jefferson Blvd, Warwick, RI 02888Directions
- Rhode Island Credit Union390 Metacom Ave, Bristol, RI 02809Directions
- Rhode Island Credit Union480 Metacom Ave, Bristol, RI 02809Directions
- Rhode Island Credit Union860 Reservoir Ave, Cranston, RI 02910Directions
- Rhode Island Credit Union50 Lower College Rd, URI Memorial Union, Kingston, RI 02881Directions
- Rhode Island Credit Union60 N Main St, Pascoag, RI 02859Directions
- Rhode Island Credit Union594 Central Ave, Pawtucket, RI 02861Directions
- Rhode Island Credit Union160 Francis St, Providence, RI 02903Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.40% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.38% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.27% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio10.40%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.38%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.27%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ 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 Rhode Island Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.