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iAdvertiser Disclosure
Advertiser Disclosure
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 Ocean State Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Ocean State Credit Union's 12 month 1 Year CD rates are at 3.50%, 18 Month CD rates are at 3.50%, 24 month 2 Year CD rates are at 3.25%, 36 month 3 Year CD rates are at 3.15%, 48 month 4 Year CD rates are at 2.50%. Ocean State Credit Union's savings rates are at 0.15%. Ocean State Credit Union's Personal Loan Rates are at 15.75%. MonitorBankRates evaluates the financial stability of Ocean State Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.10%. Rates were last updated on 03/28/2026. Ocean State Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ocean State Credit Union? Share your experience about Ocean State Credit Union by leaving a review below, or read customer reviews before you decide to use Ocean State Credit Union. Ocean State Credit Union
Operation Center 2006 Nooseneck Hill Rd
https://www.oceanstatecu.org Coventry, RI 02816 
Ocean State Credit Union CD Rates
Ocean State Credit Union Savings Rates
Ocean State Credit Union Home Equity & HELOC
Ocean State Credit Union Auto Loan Rates
Ocean State Credit Union Credit Card Rates
Ocean State Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Ocean State Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Ocean State Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ocean State Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Ocean State Credit Union
Website
https://www.oceanstatecu.org
Address
2006 Nooseneck Hill Rd,
Coventry, RI 02816
Phone
401-397-1900
Fax
401-397-1912
President
MICHAEL AIRHART
CEO
Michael Garvey
Full-Time Employees
53
Part-Time Employees
4
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.10%
Return on Assets (ROA)
0.2271%
Return on Equity (ROE)
1.9140%
Non-Performing Loans Ratio (NPL)
0.98%
Total Assets
334,320,981
Total Amount of Shares and Deposits
264,941,629
Total Shares and Deposits < 1 Year
245,951,702
Total Shares and Deposits 1 3 Years
13,219,768
Total Shares and Deposits > 3 Years
5,770,159
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,239,918
Total Uninsured Shares and Deposits > $250K (F+J)
11,239,918
Total Insured Shares and Deposits > $250K (item 17 less item K)
253,701,711
Total Interest Expense (Sum of items 6 8)
3,977,526
Share Certificates
1,837
Number of Accounts for Share Drafts
7,728
IRA KEOGH Accounts
928
Number of Accounts for Regular Shares
26,299
All other shares
919
Money Market Shares
637
Net Income (unless the amount is already included in Undivided Earnings)
759,106
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,923,903
Total Liabilities
294,667,241
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Ocean State Credit UnionIs Ocean State Credit Union a safe place to deposit money?Yes, Ocean State Credit Union is considered a safe financial institution. With a Texas Ratio of 7.0958365987765%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Ocean State Credit Union operate?Ocean State Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Ocean State Credit Union?Yes, to access services at Ocean State Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Ocean State Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ocean State Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Ocean State Credit Union offer online and mobile banking?Most modern institutions like Ocean State Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oceanstatecu.org. Current Ocean State Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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