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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Rhode Island 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.
Read Full Bio →
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
Rhode Island Credit Union's 12 Month CD of Deposit rates are at 3.50%, 6 Month CD of Deposit rates are at 3.50%, CDS OF DEPOSIT 12 Month rates are at 3.50%, CDS OF DEPOSIT 6 Month rates are at 3.50%, IRA CDs of Deposit 12 Month rates are at 3.50%. Rhode Island Credit Union's savings rates are at 0.20%. Rhode Island Credit Union's Personal Loan Rates are at 6.65%. MonitorBankRates evaluates the financial stability of Rhode Island Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.38%. Rates were last updated on 03/28/2026. Rhode Island 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 Rhode Island Credit Union? Share your experience about Rhode Island Credit Union by leaving a review below, or read customer reviews before you decide to use Rhode Island Credit Union. Rhode Island Credit Union
Rhode Island Credit Union 95 Jefferson Blvd
https://www.ricreditunion.org Warwick, RI 02888 
Rhode Island Credit Union CD Rates
Rhode Island Credit Union Savings Rates
Rhode Island Credit Union Money Market Rates
Rhode Island Credit Union Checking Rates
Rhode Island Credit Union Home Equity & HELOC
Rhode Island Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Rhode Island 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 Rhode Island 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 Rhode Island Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Rhode Island Credit Union
Website
https://www.ricreditunion.org
Address
95 Jefferson Blvd,
Warwick, RI 02888
Phone
401-751-7440
Fax
401-454-0540
President
Jane Correia
CEO
David Suvall
Full-Time Employees
85
Part-Time Employees
0
Branch Locations
7
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.38%
Return on Assets (ROA)
0.0231%
Return on Equity (ROE)
0.2163%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
410,085,873
Total Amount of Shares and Deposits
362,641,668
Total Shares and Deposits < 1 Year
336,653,315
Total Shares and Deposits 1 3 Years
25,662,578
Total Shares and Deposits > 3 Years
325,774
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,592,180
Total Uninsured Shares and Deposits > $250K (F+J)
19,592,180
Total Insured Shares and Deposits > $250K (item 17 less item K)
343,049,488
Total Interest Expense (Sum of items 6 8)
2,825,701
Share Certificates
2,723
Number of Accounts for Share Drafts
8,611
IRA KEOGH Accounts
561
Number of Accounts for Regular Shares
29,850
All other shares
565
Money Market Shares
395
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,025,655
Total Liabilities
367,959,264
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Rhode Island Credit UnionIs Rhode Island Credit Union a safe place to deposit money?Yes, Rhode Island Credit Union is considered a safe financial institution. With a Texas Ratio of 2.3781142808802%, 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 Rhode Island Credit Union operate?Rhode Island 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 Rhode Island Credit Union?Yes, to access services at Rhode Island 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, Rhode Island 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, Rhode Island Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Rhode Island Credit Union offer online and mobile banking?Most modern institutions like Rhode Island 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.ricreditunion.org. Current Rhode Island Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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