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Rhode Island Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 9, 2026
Rhode Island Credit Union's top rates as of October 9, 2026 are 4.80% APY on its 8 Month CD of Deposit, 1.26% APY on savings, 0.05% APY on checking, and auto loans from 5.49% APR, according to rates verified by MonitorBankRates. Other Rhode Island Credit Union CD rates include 12 Month CD of Deposit at 4.25%, 6 Month CD of Deposit at 3.75%, and 18 Month CD of Deposit at 3.50%. 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 2.65%. Rates last updated and verified on 10/09/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Rhode Island Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.65%
ExcellentLower than avg
Rhode Island Credit Union Texas Ratio
Rhode Island Credit Union's Texas Ratio is 2.65%, which is considered excellent and is lower than the national average of 6.13%.
Rhode Island Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.73% to 2.65% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Rhode Island Credit Union CD Rates
Product
Rate
APY
Term
View More
8 Month Certificate of Deposit
4.76%
4.80%
8 Month
Min Deposit$500
DetailsEffective Date: 10/08/26 through 10/14/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
12 Month Certificate of Deposit
4.18%
4.25%
12 Month
Min Deposit$500
DetailsEffective Date: 10/08/26 through 10/14/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
6 Month Certificate of Deposit
3.72%
3.75%
6 Month
Min Deposit$500
DetailsEffective Date: 10/08/26 through 10/14/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
18 Month Certificate of Deposit
3.46%
3.50%
18 Month
Min Deposit$500
DetailsEffective Date: 10/08/26 through 10/14/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
24 Month Certificate of Deposit
3.31%
3.35%
24 Month
Min Deposit$500
DetailsEffective Date: 10/08/26 through 10/14/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
30 Month Certificate of Deposit
2.97%
3.00%
30 Month
Min Deposit$500
DetailsEffective Date: 10/08/26 through 10/14/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
42 Month Certificate of Deposit
0.65%
0.65%
42 Month
Min Deposit$500
DetailsEffective Date: 10/08/26 through 10/14/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 0.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
3 Month Certificate of Deposit
0.15%
0.15%
3 Month
Min Deposit$500
DetailsEffective Date: 10/08/26 through 10/14/26. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 0.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Rhode Island Credit Union Savings Rates
Product
Rate
APY
View More
Money Market Savings Account
1.25%
1.26%
Min Balance$75,000
DetailsBalance: $75,000.00+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Money Market Savings Account
1.00%
1.00%
Min Balance$25,000
DetailsBalance: $25,000.00 - $74,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Money Market Savings Account
0.75%
0.75%
Min Balance$2,500
DetailsBalance: $2,500.00 - $24,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Health Savings Account
0.20%
0.20%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Christmas Club Account
0.05%
0.05%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Vacation Club Account
0.05%
0.05%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Rhode Island Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Savings Account
1.25%
1.26%
Min Balance$75,000
DetailsBalance: $75,000.00+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Money Market Savings Account
1.00%
1.00%
Min Balance$25,000
DetailsBalance: $25,000.00 - $74,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Money Market Savings Account
0.75%
0.75%
Min Balance$2,500
DetailsBalance: $2,500.00 - $24,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Rhode Island Credit Union Checking Rates
Product
Rate
APY
View More
Investment Plus Checking Account
0.05%
0.05%
Min Balance$2,500
DetailsEffective Date: 10/01/26 - 10/31/26. Rate may change after account opening, and fees may reduce account earnings. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Rhode Island Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Stretch Home Equity Loan
-
-
5.99%
15 years
DetailsLoan requires a first lien equity position. Minimum loan of $10,000 and maximum of $250,000. Rate based on individual creditworthiness and subject to change without notice. 1-4 family owner-occupied properties only. Existing Rhode Island Credit Union loans are eligible with at least $10,000 in new money. Flood insurance may be required. Applicable trust review fees may apply. Other home equity loan programs, rates and terms available. Certain restrictions apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Home Stretch Home Equity Loan
-
-
6.25%
30 years
DetailsLoan requires a first lien equity position. Minimum loan of $10,000 and maximum of $250,000. Rate based on individual creditworthiness and subject to change without notice. 1-4 family owner-occupied properties only. Existing Rhode Island Credit Union loans are eligible with at least $10,000 in new money. Flood insurance may be required. Applicable trust review fees may apply. Other home equity loan programs, rates and terms available. Certain restrictions apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Home Equity Loan
-
-
6.49%
15 years
DetailsMinimum loan of $5,000 and maximum of $250,000. LTV up to 80%. Rate based on individual creditworthiness and subject to change without notice. 1-4 family owner occupied properties only. Existing Rhode Island Credit Union loans are eligible with at least $5,000 in new money. Flood insurance may be required. Applicable trust review fees may apply. Other home equity loan programs, rates and terms available. Certain restrictions apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Home Equity Loan
-
-
6.99%
30 years
DetailsMinimum loan of $5,000 and maximum of $250,000. LTV up to 80%. Rate based on individual creditworthiness and subject to change without notice. 1-4 family owner occupied properties only. Existing Rhode Island Credit Union loans are eligible with at least $5,000 in new money. Flood insurance may be required. Applicable trust review fees may apply. Other home equity loan programs, rates and terms available. Certain restrictions apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Home Equity Loan
-
-
9.25%
20 years
Details80% - 100% LTV
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Rhode Island Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto 2025-2026
-
-
5.49%
84 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Auto 2025-2026
-
-
5.49%
84 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Auto 2021-2024
-
-
5.69%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Auto 2020
-
-
5.89%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Auto 2021-2024
-
-
5.99%
78 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Auto 2019
-
-
6.89%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Auto 2018
-
-
7.39%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Auto 2017
-
-
7.89%
66 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Auto 2016
-
-
8.39%
54 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Rhode Island Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Used Motorcycle Loan
-
6.65%
12 Months
DetailsAll rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. The minimum loan amount for the 12 month term is $1,000.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
New Motorcycle - 2024-2026 Loan
-
6.74%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 6.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
New Motorcycle Loan
-
6.74%
66 months
Details2024-2026
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
New Motorcycle - 2024-2026 Loan
-
6.99%
78 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 6.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
New Motorcycle Loan
-
6.99%
78 months
Details2024-2026
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2024-2026 Loan
-
7.65%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 7.65% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle Loan
-
7.65%
66 months
Details2024-2026
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.65% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
New Motorcycle - 2024-2026 Loan
-
7.95%
84 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 7.95% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
New Motorcycle Loan
-
7.95%
84 months
Details2024-2026
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.95% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2023 Loan
-
8.25%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2024-2026 Loan
-
8.25%
78 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle Loan
-
8.25%
78 months
Details2024-2026
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.65% → 8.25% ▼ 0.40 pts · high 8.65% / low 8.25%
Sep 18, 20268.25%▼ from 8.65%
Sep 14, 20268.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle Loan
-
8.25%
66 months
DetailsAdditional APR listed for this product: 8.45%, 8.55%, 8.95%, 9.15%, 9.35%, 9.95%.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.45% → 8.25% ▼ 0.20 pts · high 8.45% / low 8.25%
Sep 18, 20268.25%▼ from 8.45%
Sep 14, 20268.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2022 Loan
-
8.45%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.45% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2021 Loan
-
8.55%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.55% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2023 Loan
-
8.65%
78 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.65% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle Loan
-
8.65%
78 months
DetailsAdditional APR listed for this product: 8.95%, 9.05%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.65% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2020 Loan
-
8.95%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.95% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2022 Loan
-
8.95%
78 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.95% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2021 Loan
-
9.05%
78 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 9.05% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2019 Loan
-
9.15%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 9.15% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2018 Loan
-
9.35%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 9.35% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2017 Loan
-
9.95%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 9.95% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle Loan
-
10.65%
60 Months
DetailsAll rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. The minimum loan amount for the 12 month term is $1,000.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 10.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle - 2016 Loan
-
11.25%
54 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 11.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Used Motorcycle Loan
-
11.25%
54 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Rhode Island Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Capital Account
0.10%
-
0.10%
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
IRA Share Account
0.20%
-
0.20%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Prime Share Account
0.05%
-
0.05%
Min Balance$100
DetailsPrime Share Account minimum balance is $5.00.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.65%
Financial Health History
Rhode Island Credit Union’s Texas Ratio rose from 0.73% in Q3 2023 to 2.65% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$425M
2.65%
5.0
A+
March 31, 2026
$427M
2.14%
5.0
A+
December 31, 2025
$418M
3.06%
5.0
A+
September 30, 2025
$410M
2.30%
5.0
A+
June 30, 2025
$417M
2.51%
5.0
A+
March 31, 2025
$417M
2.13%
5.0
A+
December 31, 2024
$411M
2.52%
5.0
A+
September 30, 2024
$408M
1.34%
5.0
A+
June 30, 2024
$407M
1.02%
5.0
A+
March 31, 2024
$418M
0.68%
5.0
A+
December 31, 2023
$401M
0.92%
5.0
A+
September 30, 2023
$402M
0.73%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,851,410
Total Uninsured Shares and Deposits > $250K (F+J)
21,851,410
Total Insured Shares and Deposits > $250K (item 17 less item K)
353,258,105
Total Interest Expense (Sum of items 6 8)
1,737,341
Share Certificates
2,710
Number of Accounts for Share Drafts
8,514
IRA KEOGH Accounts
535
Number of Accounts for Regular Shares
30,405
All other shares
575
Money Market Shares
390
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,753,094
Total Liabilities
381,749,970
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Rhode Island Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Rhode Island Credit Union
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
12-Month CD4.25%
18-Month CD3.50%
24-Month CD3.35%
Savings1.26%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
