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iAdvertiser Disclosure
Advertiser Disclosure
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 The Peoples Credit Union Rates & Review April 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: April 19, 2026
The Peoples Credit Union's CDs of Deposit 18 month rates are at 3.51%, CDs of Deposit 24 month rates are at 3.50%, CDs of Deposit 15 month rates are at 3.25%, IRA CDs 7 month rates are at 3.25%, IRA CDs 10 month rates are at 3.15%. The Peoples Credit Union's savings rates are at 0.05%. The Peoples Credit Union's money market rates are at 0.05%. The Peoples Credit Union's 5 TO 1 ARM rates are at 2.88%, 7 TO 1 ARM rates are at 2.88%, 10 TO 1 ARM rates are at 3.25%, 15 Year Fixed Rate rates are at 5.50%, 5/1 ARM rates are at 5.62%. MonitorBankRates evaluates the financial stability of The Peoples Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.41%. Rates were last updated on 04/19/2026. The Peoples 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 The Peoples Credit Union? Share your experience about The Peoples Credit Union by leaving a review below, or read customer reviews before you decide to use The Peoples Credit Union. The Peoples Credit Union
Peoples Credit Union 858 W Main Rd
https://www.peoplescu.com Middletown, RI 02842 
The Peoples Credit Union CD Rates
The Peoples Credit Union Savings Rates
The Peoples Credit Union Money Market Rates
The Peoples Credit Union Checking Rates
The Peoples Credit Union Mortgage Rates
The Peoples Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for The Peoples 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 The Peoples 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 The Peoples Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
The Peoples Credit Union
Website
https://www.peoplescu.com
Address
858 W Main Rd,
Middletown, RI 02842
Phone
401-846-8930
Fax
401-846-1210
President
Christopher Ottiano
CEO
Sean Daly
Full-Time Employees
115
Part-Time Employees
2
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+ (98/100)
Texas Ratio
3.41%
Return on Assets (ROA)
0.1239%
Return on Equity (ROE)
1.2706%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
810,409,210
Total Amount of Shares and Deposits
619,858,734
Total Shares and Deposits < 1 Year
616,205,805
Total Shares and Deposits 1 3 Years
3,074,781
Total Shares and Deposits > 3 Years
578,148
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
67,381,239
Total Uninsured Shares and Deposits > $250K (F+J)
67,381,239
Total Insured Shares and Deposits > $250K (item 17 less item K)
552,477,495
Total Interest Expense (Sum of items 6 8)
11,132,654
Share Certificates
3,979
Number of Accounts for Share Drafts
23,612
IRA KEOGH Accounts
748
Number of Accounts for Regular Shares
24,433
All other shares
1,516
Money Market Shares
1,701
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
25,031,311
Total Liabilities
739,737,354
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About The Peoples Credit UnionIs The Peoples Credit Union a safe place to deposit money?Yes, The Peoples Credit Union is considered a safe financial institution. With a Texas Ratio of 3.4111469339071%, 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 The Peoples Credit Union operate?The Peoples 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 The Peoples Credit Union?Yes, to access services at The Peoples 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, The Peoples 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, The Peoples Credit Union provides members with tools to manage their accounts and build a solid financial history. Does The Peoples Credit Union offer online and mobile banking?Most modern institutions like The Peoples 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.peoplescu.com. Current The Peoples Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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