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
Security & Privacy
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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.
Checking
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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.
Home Equity Loans
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Mortgage Loans
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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.
Personal Loans
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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
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