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Overview / Commentary
858 W Main Rd
Middletown, RI 02842

People's Credit Union is headquartered in Middletown and is the 3rd largest credit union in the state of Rhode Island. It is also the 552nd largest credit union in the nation. It was established in 1922 and as of December of 2016, it had grown to 114 employees and 39,112 members at 6 locations. People's Credit Union has an A health rating.

Related Posts

People's CU (RI) Adds 10-Month CD Special - 12/3/2016

People's CU (RI) has added a 10-month CD Special (1.15% APY). Minimum deposit is $5k, with no stated balance cap. FOM is "anyone who can visit a branch."

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Reviews (2)

Terrible Management

Posted by: unreal | Apr 3, 2016

They let the best manager they ever had go unjustly. This manager had managed almost every branch they had. I lived in Narragansett and followed him to every branch he worked. Dennis would go above and beyond for me. He would even balance my check book for me. He was the best. I will certainly open my accounts at the next employer who is lucky enough to have him. The situation was a mistake that never should have happened and had nothing to do with his employment. As a matter of fact it is my understanding a more serious situation along the same lines as what happened to Dennis occurred with another Employee only that situation was legitimate and the promoted that employee. Do not ever work for this company RUN and since they are so unfair to their employees imagine how they will treat their members

A Little Bit Fishy

Posted by: trudy | Mar 18, 2015

They offered a credit card that gave 3 points on some purchases. What they didn't say is that this really isn't 3%. The points are worth less, and so it turned out to be about 1.3%. I talked to them when I realized this, but they think it is perfectly fine to do this.

I think this is deceptive advertising, so I no longer trust them about anything.


Health Grade Components

NCUA #65861
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD5.71%
Annual Interest Income$16.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$459.1MM$422.1MM
LoansQ4 2016vs Q4 2015$399.3MM$359.2MM
DepositsQ4 2016vs Q4 2015$368.7MM$344.4MM
Equity CapitalQ4 2016vs Q4 2015$41.7MM$41.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.7MM$3.8MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.9MM$2.4MM
Real Estate OwnedQ4 2016vs Q4 2015$536.00K$0
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* 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

0.10%*$50k*-Personal Premium Savings
OTHER TIERS: 0.05% $10k - $50k
0.10%*$50k*-Business Premium Savings
OTHER TIERS: 0.05% $10k - $50k
0.05%$100-Business Savings
0.05%$100-IRA Account
0.05%--Holiday Club Account
0.05%--Basic Savings
0.05%$100-Coverdell Education Savings Account

People's Credit Union Money Market Rates

0.25%*$75k*-Business Money Market
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $50k | 0.15% $50k - $75k
0.25%*$75k*-Personal Money Market
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $50k | 0.15% $50k - $75k

People's Credit Union Checking Account Rates

0.05%--Interest Checking
0.05%--Business Interest Checking

People's Credit Union CD Rates

1.50%$500-60 Month CD
1.00%$500-48 Month CD
0.75%$500-36 Month CD
0.70%$500-30 Month CD
0.65%$500-24 Month CD
0.60%$500-18 Month CD
0.50%$500-12 Month CD
0.45%$500-9 Month CD
0.30%$500-6 Month CD
0.25%$500-3 Month CD

People's Credit Union IRA Rates

1.50%$500-60 Month IRA
1.00%$500-48 Month IRA
0.75%$500-36 Month IRA
0.70%$500-30 Month Bump Up IRA
0.70%$500-30 Month IRA
0.65%$500-24 Month IRA
0.65%$500-24 Month Bump Up IRA
0.60%$500-18 Month IRA
0.60%$500-18 Month Bump Up IRA
0.50%$500-12 Month IRA
0.45%$500-9 Month IRA
0.30%$500-6 Month IRA
0.25%$500-3 Month IRA

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