Featured Savings Rates
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Pawtucket Credit Union

Popular Accounts at this Credit Union

2.00%18-month CD15 Month Easy Access CD
3.00%2-year CD25 Month CD
3.00%2-year IRA25 Month IRA (Traditional, Roth)

Overview / Commentary
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 115th largest credit union in the nation. It was established in 1926 and as of March of 2018, it had grown to 255 employees and 110,343 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 in nearby communities in Massachusetts or Connecticut. (membership requirements are listed in the online application)
See current membership details

Related Posts

25 Mo 3%APY In RI - 7/15/2018

$1K minimum, available for IRAs also. See details here: https://www.pcu.org/rates/deposits/

Pawtucket Credit Union (RI) Boosts 25-Month CD Rate - 5/24/2018

Pawtucket Credit Union (RI) has raised the rate on its 25-month CD to 3.00% APY. Minimum deposit is $1k, with no stated balance cap. Also offered as an IRA.

Pawtucket Credit Union (RI) Brings Back 25-Month CD - 4/17/2018

Pawtucket Credit Union (RI) has brought back the 2.75% APY on its 25-month CD. Minimum deposit is $1k, with no stated balance cap. Also offered as an IRA.

View all posts from:

Reviews (4)

Good Rates, Nice People

Posted by: katkatkat | Jun 13, 2015

Edited from original 2015 review: They have the best CD rates locally currently (June 2018), and the staff is very nice.

a good local bank

Posted by: Covereew | May 7, 2018

having banked with the pawtucket credit union for many years, i feel as though they deliver a consistently good experience to the banker. staff is always helpful and generally personable, and there aren't usually long lines, so you can tell that the credit union is decently staffed.

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.

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 Grade Components

NCUA #67278
Year Chartered1926
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD9.85%
Annual Interest Income$16.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$2.15B$2.00B
LoansQ1 2018vs Q1 2017$1.89B$1.75B
DepositsQ1 2018vs Q1 2017$1.69B$1.57B
Equity CapitalQ1 2018vs Q1 2017$205.7MM$188.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$8.3MM$7.9MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.7MM$1.1MM
Real Estate OwnedQ1 2018vs Q1 2017$360.00K$749.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

25 Mo 3%APY In RI

Anon1234   |  
$1K minimum, available for IRAs also.

See details here: https://www.pcu.org/rates/deposits/

Report an Issue

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

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

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

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

3.00%$1k-25 Month CD
2.25%$1k-18 Month CD
2.05%$1k-60 Month Bump-Up CD
2.00%$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

3.00%$500-25 Month IRA
2.25%$500-18 Month IRA
2.05%$500-60 Month Bump-Up 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


Providence Area

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