Credit union · NCUA insured
Rhode Island Credit Union Credit Card Rates
Top CarrotRhode Island Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Rhode Island Credit Union’s credit card rates compare
Compared with banks and credit unions near Providence, RI-MA, where Rhode Island Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Rhode Island Credit Union
9.90%APR
- Up to
- 14.90% APR
VISA Rewards Credit Card
Lowest rate
Ocean State Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Arise Financial
9.90%APR
- Up to
- —
Rhode Island Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rhode Island Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Secured Credit Card
Pledge money in your Share Account as collateral. Credit limits as low as $300. Non-variable APRs ranging from 9.90% to 14.90% APR. Cash advance APR is the same as your low purchase APR. No annual fees and no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | 2.99% APR on purchases and balance transfers for the first 6 billing cycles. |
| Ongoing | 9.90%–14.90% | None | Low non-variable APRs ranging from 9.90% to 14.90% APR. Cash advance APR is the same as your low purchase APR. |
Sources (1)
- ricreditunion.org/secured-credit-card · captured Oct 14, 2026
VISA Rewards Credit Card
Non-variable APRs ranging from 9.90% to 14.90% APR. Cash advance APR is the same as your low purchase APR. No annual fees and no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | 2.99% APR on purchases and balance transfers for the first 6 billing cycles. |
| Ongoing | 9.90%–14.90% | None | Low non-variable APRs ranging from 9.90% to 14.90% APR. |
Who can join Rhode Island Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.