Overview / Commentary
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 571st largest credit union in the nation. It was established in 1922 and as of September of 2018, it had grown to 123 employees and 42,965 members at 6 locations. People's Credit Union has an A health rating.

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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: katkatkat | 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 - YTD0.91%
Return on Equity - YTD9.12%
Annual Interest Income$13.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$485.8MM$468.7MM
LoansQ3 2018vs Q3 2017$416.3MM$389.5MM
DepositsQ3 2018vs Q3 2017$400.6MM$387.0MM
Equity CapitalQ3 2018vs Q3 2017$48.1MM$44.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.5MM$3.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.8MM$2.0MM
Real Estate OwnedQ3 2018vs Q3 2017$0$113.00K
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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

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 Statement Savings
0.05%--Holiday Club Account
0.05%--Basic Savings
0.05%--MyCU Savings

People's Credit Union Money Market Rates

0.25%*$75k*-Business Money Market
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $50k | 0.15% $50k - $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

0.10%*$50k*-Business Interest Checking
OTHER TIERS: 0.05% Up to $50k
0.10%*$1.5k*-Max Yield Checking
OTHER TIERS: 0.05% Up to $1.5k
0.05%--myDirect Interest Checking

People's Credit Union CD Rates

2.50%$10k-18 Month CD Special - New Money
2.25%$500-18 Month CD
2.25%$500-10 Month CD Special
1.75%$500-24 Month CD
1.50%$500-60 Month CD
1.00%$500-48 Month CD
0.75%$500-36 Month CD
0.70%$500-30 Month CD
0.50%$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

2.50%$10k-18 Month IRA Special - New Money
2.25%$500-18 Month IRA
2.25%$500-10 Month IRA Special
1.75%$500-24 Month IRA
1.50%$500-60 Month IRA
1.00%$500-48 Month IRA
0.75%$500-36 Month IRA
0.70%$500-30 Month 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

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