People's Credit Union


Overview / Commentary
401-846-8930
858 W Main Rd
Middletown, RI 02842

People's Credit Union is headquartered in Middletown and is the 4th largest credit union in the state of Rhode Island. It is also the 570th largest credit union in the nation. It was established in 1922 and as of June of 2024, it had grown to 117 employees and 40,431 members at 6 locations. People's Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

People's Credit Union is open to anyone. Please see online application for more information.
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Health

Health Grade Components

Overall
NCUA #65861
Year Chartered1922
Employees117
Primary Regulator
Profit Margin
Return on Assets - YTD-0.03%
Return on Equity - YTD-0.37%
Annual Interest Income$13.7MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$740.7MM$702MM
LoansQ2 2024vs Q2 2023$587.5MM$557.7MM
DepositsQ2 2024vs Q2 2023$567.8MM$560.2MM
Equity CapitalQ2 2024vs Q2 2023$64.9MM$62.3MM
Loan Loss AllowanceQ2 2024vs Q2 2023$2.3MM$3.4MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$1.7MM$2MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not People's 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.

People's Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$0$5kSave myChange
OTHER TIERS: 0.05% $5k+
0.05%$100-Business Savings
0.05%$100-IRA Statement Savings
0.05%$0-Holiday Club Account
0.05%$0-Basic Savings

People's Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$2.5k-Max Yield Money Market
3.00%$2.5k-Business Max Yield Money Market
0.25%*$75k*-Business Money Market
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $75k
0.25%*$75k*-Personal Money Market
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $50k | 0.15% $50k - $75k

People's Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$5k*-Business Interest Checking
OTHER TIERS: 0.05% $0 - $5k
0.10%*$1.5k*-Max Yield Checking
OTHER TIERS: 0.05% $0 - $1.5k
0.05%$0-myDirect Interest Checking

People's Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-7 Month CD
4.00%$500-10 Month CD
3.75%$500-6 Month CD
3.51%$500-18 Month CD
3.25%$500-15 Month CD
3.00%$500-9 Month CD
3.00%$500-12 Month CD
0.65%$500-60 Month CD
0.55%$500-48 Month CD
0.45%$500-36 Month CD
0.40%$500-30 Month CD
0.35%$500-24 Month CD
0.10%$500-3 Month CD

People's Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-7 Month IRA
4.00%$500-10 Month IRA
3.75%$500-6 Month IRA
3.51%$500-18 Month IRA
3.25%$500-15 Month IRA
3.00%$500-9 Month IRA
3.00%$500-12 Month IRA
0.65%$500-60 Month IRA
0.55%$500-48 Month IRA
0.45%$500-36 Month IRA
0.40%$500-30 Month IRA
0.35%$500-24 Month IRA
0.10%$500-3 Month IRA
Locations


People's Credit Union Locations
Branch Office43 Memorial BlvdNewport, RI 02840
Branch Office150 Old Tower Hill RdWakefield, RI 02879
Branch Office50 Gooding AveBristol, RI 02809
Branch Office7490 Post RdN Kingstown, RI 02852
Branch Office2537 E Main RdPortsmouth, RI 02871
Branch Office858 W Main RdMiddletown, RI 02842

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