The Peoples Credit Union

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A short history of The Peoples CU

Since its inception in 1922 the The Peoples Credit Union has been serving its members in the Middletown, Rhode Island area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Ellen Ford, the The Peoples CU has grown its membership to over 39,968 with assets of more than $468,447,213. They have a main office and 6 branch offices. Please see the credit unions website or contact them by phone at (401) 846-8930 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Middletown, RI.

General Information For The Peoples CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 65861
Address 858 W Main Rd 
City Middletown 
State Rhode Island 
Zip-Code 02842
Phone Number (401) 846-8930
Fax Number (401) 846-1210
Email Address:
CEO/President Ellen Ford
Members 39,968 
Full-Time Employees 116 
Part-Time Employees
Number of Branch Offices
Total Assets 468,447,213 

Compare The Peoples Credit Union To Other Local Credit Unions

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Zip Code
Phone Number
ATM Access
Distance (Miles)
Our Lady Of The Angels CU 1208 Dwelly 1208 Dwelly St 02724 (508) 678-6391 No 12.68
St. Anne's Of Fall River CU President Ave 1675 President Ave 02720 (508) 324-7470 No 13.31
Santo Christo CU New Bedford Credit Union 1150 Purchase St 02740 (508) 994-6546 No 13.75
Fall River Municipal CU Robeson Office 1110 Robeson St 02720 (508) 677-2501 No 13.81
Westport CU Branch-Fall River 73 Reeves St 02721 (508) 678-2320 No 13.88

The Peoples Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

The Peoples Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 2.89 2.99 4.13 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 132 91 159 168
Rank Among All Rhode Island Credit Unions N/A 8 5 7 7

The Peoples Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.05 0.25 1.49 1.49
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 143 105 92 95
Rank Among All Rhode Island Credit Unions 6 8 5 4 4
The Peoples Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 10.9902,4267,855,174
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.8901,30723,957,525
Used Vehicle Loans 2.9906,04574,255,215
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.1301,476246,964,458
Total Other Real Estate Loans/Lines of Credit 4.50068627,681,116
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.7502837,787,207
TOTAL LOANS & LEASES 12,223388,500,695

The Peoples Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 34770,648,767123,363,900
    b. 15 Years or less 69168,353,323435,662,290
    a. > 15 years 22249,874,593102,119,100
    b. 15 Years or less 21458,004,72071,961,150
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 283,05500
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 2097,716,700111,156,000
Closed-End Adjustable Rate 693,728,17400
Open-End Adjustable Rate 40816,236,242604,201,300
Open-End Fixed Rate 0000
TOTALS 2,162274,645,57414318,463,740


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 34613,270,6723,035,000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

The Peoples Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes