Auto

ProgramMaximum TermAnnual Percentage Rate
(APR)*
Monthly payment
per $1,000 borrowed
New Auto
2022-202442 months6.49%$26.68
2022-202454 months6.49%$21.40
2022-202466 months6.49%$18.06
2022-202478 months6.99%$15.99
2022-202484 months7.49%$15.33
Used Auto
2022-202466 months6.99%$18.29
2022-202478 months7.49%$16.23
202166 months6.99%$18.29
202178 months7.49%$16.23
202066 months6.99%$18.29
202078 months7.49%$16.23
201966 months6.99%$18.29
201978 months7.49%$16.23
201866 months8.04%$18.80
201766 months8.24%$18.89
201666 months8.44%$18.99
201566 Months9.14%$19.33
201454 Months10.24%$23.19


*All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available.


Home Equity

ProgramMaximum TermAnnual
Percentage Rate
(APR)*
Monthly payment
per $1,000
borrowed
Home Equity Loan Special7 years6.99%$15.09
10 years7.25%$11.74


*Minimum loan of $10,000 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 $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.


ProgramMaximum TermAnnual
Percentage Rate
(APR)*
Monthly payment
per $1,000
borrowed
Home Stretch Home Equity Loan12 years7.00%$10.28
22 years7.50%$7.75
30 years8.00%$7.34


*Loan 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.


ProgramMaximum TermAnnual
Percentage Rate
(APR)*
Monthly payment
per $1,000
borrowed
Home Equity Loan5 years7.50%$20.04
10 years7.80%$12.03
15 years8.10%$9.61
20 years8.25%$8.52
25 years8.75%$8.22
30 years9.00%$8.05


*Minimum 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.


ProgramMaximum TermAnnual
Percentage Rate
(APR)*
Monthly payment
per $1,000
borrowed
Home Equity Loan
80% - 100% LTV
20 years9.25%$9.16


*Maximum loan amount is $250,000.00 and maximum CLTV is 100%. Maximum DTI ratio is 45%. Rate is based on individual creditworthiness and is subject to change without notice. Owner occupied Single Family/Condo/Townhouse/Duplex properties only. Flood Insurance may be required. Applicable Trust review fees may apply. Other home equity loan programs, rates & terms available. Certain restrictions apply.

ProgramAnnual
Percentage Rate
(APR)*
Home Equity Line of Credit 4.99%


*The Annual Percentage Rate (APR) is 4.99% for the first year of the loan. After the first year, the APR will adjust to .51% below Prime Rate. Prime Rate is 8.50% as listed in The Wall Street Journal as of July 26, 2023. Rate based on individual creditworthiness and subject to change without notice. APR will not exceed 21% or fall below 3.00%. Minimum line of credit is $20,000 and maximum of $250,000. Existing Rhode Island Credit Union loans are eligible with at least a $20,000 line increase. 1-4 family owner-occupied properties only. Flood insurance may be required. Applicable trust review fees may apply. Other home equity loan programs, rates and terms available. Certain restrictions apply. We will pay all of the bona-fide third party fees to open the plan. If you close your home equity line of credit plan within the first three (3) years from the opening date, you agree to reimburse us for any bona-fide third party fees we paid on your behalf.


Motorcycle

ProgramMaximum TermAnnual Percentage Rate
(APR)*
Monthly payment
per $1,000 borrowed
New Motorcycle
2022-202466 months7.64%$18.60
2022-202478 months7.89%$16.43
2022-202484 months8.85%$16.01
Used Motorcycle
2022-202466 months8.55%$19.05
2022-202478 months9.15%$17.06
202166 months9.15%$19.34
202178 months9.55%$17.26
202066 months9.35%$19.44
202078 months9.85%$17.41
201966 months9.45%$19.49
201978 months9.95%$17.46
201866 months9.85%$19.69
201766 months10.05%$19.78
201666 months10.25%$19.88
201566 months10.85%$20.19
201454 Months12.15%$24.13


*All rates are subject to change without notice. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available.


Personal

ProgramMaximum TermAnnual
Percentage Rate
(APR)*
Monthly payment
per $1,000
borrowed
Personal Loan12 Months6.65%$86.38
60 Months10.65%$21.58


*All 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.


ProgramAnnual
Percentage Rate
(APR)
Prime Line of CreditPrime Rate + 6.90%*


*Variable APR will be based on Prime Rate as published in the Wall Street Journal +6.90%. Current Prime Rate is 8.50%. Minimum credit line is $2,000.00 and maximum credit line is $10,000.00.

ProgramMaximum TermAnnual Percentage Rate (APR)
Shares Collateral Loan
3 yearsShare Deposit Rate + 3%
Certificate Collateral Loan
Certificate of Deposit TermCertificate of Deposit Rate + 3%

Savings

Account TypeMinimum Average Daily Balance to Earn stated APYRateAPY*
Prime Share Account$100.000.05%0.05%
Capital Account$1,000.000.10%0.10%
Vacation Club Accountnone0.05%0.05%
Christmas Club Accountnone0.05%0.05%
IRA Share Accountnone0.20%0.20%
Health Savings Accountnone0.20%0.20%


Last Dividend Declaration Date: 03/31/24
*APY is Annual Percentage Yield. Your interest rate and annual percentage yield may change after account is opened. Prime Share Account minimum balance is $5.00. Fees may reduce earnings. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

MONEY MARKET SAVINGS ACCOUNT
Minimum Balance to Earn stated APY
RateAPY*
$2,500.00 - $24,999.990.75%0.75%
$25,000.00 - $74,999.991.00%1.00%
$75,000.00+1.25%1.26%


Effective as of 05/01/24
*The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. For Money Market Savings Accounts, the Interest Rate and Annual Percentage Yield may change daily as determined by the Credit Union’s Board of Directors. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.

CERTIFICATES OF DEPOSIT
Term
Minimum Opening DepositInterest RateAPY*
3 Month$500.000.15%0.15%
6 Month$500.005.04%5.10%
12 Month$500.004.19%4.25%
18 Month$500.003.94%4.00%
24 Month$500.003.00%3.03%
30 Month$500.002.50%2.52%
42 Month$500.000.65%0.65%


Effective Date: 05/23/24 through 05/29/24. Stated Interest Rates and APYs for terms of 12 months through 42 months are applicable to IRA Certificates of Deposit as well.
*APY is Annual Percentage Yield. A $500 minimum opening deposit is required to open and earn the advertised APY. The APY is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.


INVESTMENT PLUS CHECKING ACCOUNT
Minimum Average Daily Balance to Earn the Stated APY
Interest RateAPY*
$2,500.000.05%0.05%


Effective Date: 05/01/24 - 05/31/24
*APY is Annual Percentage Yield. Rate may change after account opening, and fees may reduce account earnings. Investment Plus Checking Account minimum balance is $2,500.00. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.



 

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All branches will be closed on Monday, May 27, 2024 in observance of Memorial Day.