Featured Savings Rates
Featured Accounts

Pawtucket Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%18-month CD15 Month Easy Access CD
2.00%2-year CD25 Month CD
2.00%2-year IRA25 Month IRA (Traditional, Roth)

Overview / Commentary
401-722-2212
1200 Central Ave
Pawtucket, RI 02861-2200

Pawtucket Credit Union is headquartered in Pawtucket and is the largest credit union in the state of Rhode Island. It is also the 113th largest credit union in the nation. It was established in 1926 and as of September of 2017, it had grown to 254 employees and 106,105 members at 15 locations. Pawtucket Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Rhode Island, or nearby communities in Massachusetts or Connecticut.
See current membership details

Related Posts

Pawtucket Credit Union (RI) Hikes 25-Month CD - 12/18/2017

Pawtucket CU (RI) has added 100 bps to its 25-month CD (2.75% APY). Minimum deposit is $1k, with no stated balance cap. Also offered as an IRA.

25-Month CD, 1.75% APY - 4/3/2017

Pawtucket Credit Union in Rhode Island just raised the rate on its 25-month CD to 1.75% APY. Min deposit is $1,000. Credit Union is open to all Rhode Island residents and the nearby communities in Connecticut and Massachusetts.

View all posts from:


Reviews (3)

Bigger Style Credit Union

Pawtucket Credit Union is a great alternative to the "Big Banks". There is no fee for using any credit union (even if its not Pawtucket Credit Union) atms. With a direct deposit their checking accounts are free. They have better then average rates. The only drawback I have is that they do debits before credits.

Dropped Rates And Added Fees

Posted by: katkatkat | Jun 13, 2015

Pawtucket has dropped its rates so that there are several local credit unions with better CD rates. Also, like some other cus (but not all) they now zap you with a $25 fee for transferring an IRA.

A big bank diguised as a Credit Union

Posted by: Ogiee8 | May 23, 2015

Pawtucket Credit Union use to be a great credit union. They no longer work with its customers and have higher fees then an average bank. Their accounts have very little interest to offer. The credit union is expanding so fast and developing multiple locations in the State of Rhode Island that it is no longer your local credit union. It is all about getting "new business" and older customers are left in the dust because they aren't new money. Some of their charges on their checking account is a 10.00 a month maintenance fee, 12.00 bank check fee, 35.00 over draw fee. They offer no good savings account for the average joe, as they require thousands of dollars before you get any really kind of interest. They offer no college fund accounts and their CDs have terrible interest. At one time I would recommend Pawtucket Credit Union but I no longer can with the amount of better options available in the state.



Health

Health Grade Components

Overall
NCUA #67278
Year Chartered1926
Employees254
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.8%
Annual Interest Income$46.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$2.08B$1.90B
LoansQ3 2017vs Q3 2016$1.84B$1.65B
DepositsQ3 2017vs Q3 2016$1.62B$1.47B
Equity CapitalQ3 2017vs Q3 2016$196.6MM$181.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$8.2MM$7.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$2.0MM$1.4MM
Real Estate OwnedQ3 2017vs Q3 2016$0$869.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Pawtucket Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pawtucket Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$2,500-Business High Yield Savings
0.35%*$25k*-High Yield Savings
OTHER TIERS: 0.25% $25 - $25k
0.25%$25-Passbook Savings
0.25%$25-Statement Savings
0.25%--Money Club Share Savings
0.25%$25-IRA Savings
0.25%$25-Business Statement Savings

Pawtucket Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$10k-High Yield Money Market
0.35%*$2,500*-Money Market Statement
OTHER TIERS: 0.25% $25 - $2,500

Pawtucket Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*-$1kDebit Card Checking
OTHER TIERS: 0.20% $5k+ | 0.35% $2,500 - $5k | 0.60% $1k - $2,500
0.20%$2,500-Direct Checking Plus

Pawtucket Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$1k-60 Month Bump-Up CD
2.00%$1k-25 Month CD
1.75%$1k-18 Month CD
1.50%$5k-15 Month Easy Access CD
1.15%$1k-24 Month Bump-Up CD
1.00%$1k-36 Month Bump-Up CD
1.00%$1k-48 Month Bump-Up CD
0.50%$1k-3 Month CD
0.50%$1k-6 Month CD
0.50%$1k-9 Month CD
0.50%$1k-12 Month CD

Pawtucket Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$500-60 Month Bump-Up IRA
2.00%$500-25 Month IRA
1.75%$500-18 Month IRA
1.15%$500-24 Month Bump-Up IRA
1.00%$500-36 Month Bump-Up IRA
1.00%$500-48 Month Bump-Up IRA
0.50%$500-3 Month IRA
0.50%$500-6 Month IRA
0.50%$500-9 Month IRA
0.50%$500-12 Month IRA
Locations

Availability