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Applying for Overdraft Protection is easy. Please visit our Overdraft Protection page to determine which product is right for you.
Please mail your loan payment to:
People’s Credit Union, 858 West Main Road, Middletown, RI 02842
Certificate of Deposit rates may change daily. Our current Certificate of Deposit rates are below and all other rates can be found on our Deposit Product Rates page.
Please call our Member Service Center at 800.498.8930 for more information or visit one of our six locations to open your account today.
Certificates of Deposit
Interest Rates are subject to change without notice and offer may be withdrawn at any time.
*Annual Percentage Yield (APY) is accurate as of the date reflected above. APY assumes principal and interest remain on deposit for the term of the certificate. The minimum to open a Certificate of Deposit (CD) or earn APY is $500. All CDs are available for Individual Retirement (IRA) deposits. Fees could reduce the earnings. A penalty will be imposed for early withdrawal. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor.
Interest Rates are subject to change without notice and offer may be withdrawn at any time.
*Annual Percentage Yield (APY) is accurate as of the date reflected above. APY assumes principal and interest remain on deposit for the term of the certificate. The minimum to open a Certificate of Deposit (CD) or earn APY is $500. All CDs are available for Individual Retirement (IRA) deposits. Fees could reduce the earnings. A penalty will be imposed for early withdrawal. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor.
Personal Loan rates may change daily. Our current Personal Loan rates are below and can also be found on our Personal Loan Rates page. Want to learn more about the personal loans we offer? Visit our Personal Loans page.
To apply for a Personal Loan click the Apply Now links in the tables below. You can also call our Member Service Center at 800.498.8930 or visit one of our six locations for more information.
Personal Loan
*Annual Percentage Rate (APR) are lowest and subject to change without notice. Advertised APR based on a credit score of 700 or higher. Other rates available based on creditworthiness. Maximum amount of loan: $15,000.
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Any Purpose Loan (9.99% APR): 24 monthly payments of $46.14 per $1,000 borrowed.
*Annual Percentage Rate (APR) are lowest and subject to change without notice. Advertised APR based on a credit score of 700 or higher. Other rates available based on creditworthiness. Maximum amount of loan: $15,000.
- Any Purpose Loan (9.99% APR): 24 monthly payments of $46.14 per $1,000 borrowed.
Personal Line of Credit
Adjustable Rate
*Annual Percentage Rate (APR) are lowest and subject to change without notice. Advertised APR based on a credit score of 700 or higher. Other rates available based on creditworthiness. Maximum amount of line: $15,000.
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Any Purpose Loan (13.75% APR): varies per $1,000 borrowed.
*Annual Percentage Rate (APR) are lowest and subject to change without notice. Advertised APR based on a credit score of 700 or higher. Other rates available based on creditworthiness. Maximum amount of line: $15,000.
- Any Purpose Loan (15.25% APR): varies per $1,000 borrowed.
Auto Loan rates may change daily. Our current Auto Loan rates are below and can also be found on our Auto Loan Rates page. Want to learn more about the auto loans we offer? Visit our Auto Loans page.
To apply for a Auto Loan click the Apply Now links in the tables below. You can also call our Member Service Center at 800.498.8930 or visit one of our six locations for more information.
Auto Loans
Model Years 2023-2026
*Annual Percentage Rate (APR) is lowest and subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. The published rate includes a 0.25% discount when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from an internal People’s checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
**Minimum loan amount of $25,000 with maximum mileage of 40,000 with terms of 84 months.
- 2023-2026 Auto Loan (5.49% APR): 63 monthly payments of $18.35 per $1,000 borrowed.
- 2023-2026 Auto Loan (5.49% APR): 66 monthly payments of $17.63 per $1,000 borrowed.
- 2023-2026 Auto Loan (5.74% APR): 75 monthly payments of $15.94 per $1,000 borrowed.
- 2023-2026 Auto Loan (6.74% APR): 84 monthly payments of $15.01 per $1,000 borrowed.
*Annual Percentage Rate (APR) are lowest and subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rate includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from an internal People’s checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
**Minimum loan amount of $25,000 with maximum mileage of 25,000 with terms of 84 months.
- 2022-2025 Auto Loan (5.20% APR): 63 monthly payments of $18.19 per $1,000 borrowed.
- 2022-2025 Auto Loan (5.34% APR): 66 monthly payments of $17.56 per $1,000 borrowed.
- 2022-2025 Auto Loan (5.50% APR): 72 monthly payments of $16.38 per $1,000 borrowed.
- 2022-2025 Auto Loan (5.50% APR): 75 monthly payments of $15.82 per $1,000 borrowed.
- 2022-2025 Auto Loan (6.74% APR): 84 monthly payments of $15.01 per $1,000 borrowed.
Auto Loans
Model Years 2016-2022
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rates include a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a People’s checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
- 2020-2022 Auto Loan (5.74% APR): 63 monthly payments of $18.47 per $1,000 borrowed.
- 2020-2022 Auto Loan (5.74% APR): 66 monthly payments of $17.76 per $1,000 borrowed.
- 2020-2022 Auto Loan (6.14% APR): 75 monthly payments of $16.13 per $1,000 borrowed.
- 2017-2019 Auto Loan (6.90% APR): 66 monthly payments of $18.31 per $1,000 borrowed.
- 2017-2019 Auto Loan (7.54% APR): 75 monthly payments of $16.82 per $1,000 borrowed.
- 2016 Auto Loan (7.10% APR): 66 monthly payments of $18.60 per $1,000 borrowed.
Interest Rates are subject to change without notice.
* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 700 and a maximum Loan-To-Value (LTV) of 120% of retail value or MSRP value for new vehicles. Published rates includes a 0.25% discount given when you maintain automatic electronic payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a People’s checking account. An ACH authorization form must be completed at closing. Rate is subject to increase upon cancellation or cessation of the discount program. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.
- 2019-2021 Auto Loan (5.50% APR): 63 monthly payments of $18.35 per $1,000 borrowed.
- 2019-2021 Auto Loan( 5.74% APR): 66 monthly payments of $17.75 per $1,000 borrowed.
- 2019-2021 Auto Loan (5.74% APR): 72 monthly payments of $16.49 per $1,000 borrowed.
- 2019-2021 Auto Loan (5.74% APR): 75 monthly payments of $15.94 per $1,000 borrowed.
- 2016-2018 Auto Loan (6.24% APR): 63 monthly payments of $18.70 per $1,000 borrowed.
- 2016-2018 Auto Loan (6.24% APR): 66 monthly payments of $17.99 per $1,000 borrowed.
Mortgage rates may change daily. Our current Mortgage rates can be found below or on our Mortgage Rates page. Want to learn more about the mortgages we offer? Visit our Mortgage page.
To apply for a Mortgage click the Apply Now links in the tables below. You can also call our Member Service Center at 800.498.8930 or visit one of our six locations for more information.
Fixed Rate Mortgage
*Annual Percentage Rates (APR) are lowest available and subject to change without notice. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, subordinate financing, occupancy, appraised value, down payment, property type, property use and loan purpose. Property insurance (and flood insurance if applicable) required. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Mortgage insurance required if loan to value exceeds 80%.
- 15 Year Fixed Rate Mortgage at 6.500% (6.651% APR): 180 monthly payments of $8.71 per $1,000 borrowed
- 20 Year Fixed Rate Mortgage at 7.000% (7.129% APR): 240 monthly payments of $7.75 per $1,000 borrowed
- 30 Year Fixed Rate Mortgage at 7.125% (7.226% APR): 360 monthly payments of $6.74 per $1,000 borrowed
*Annual Percentage Rates (APR) are lowest available and subject to change without notice. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, subordinate financing, occupancy, appraised value, down payment, property type, property use and loan purpose. Property insurance (and flood insurance if applicable) required. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Mortgage insurance required if loan to value exceeds 80%.
- 15 Year Fixed Rate Mortgage at 6.50% (6.651% APR): 180 monthly payments of $8.71 per $1,000 borrowed
- 20 Year Fixed Rate Mortgage at 7.00% (7.129% APR): 240 monthly payments of $7.75 per $1,000 borrowed
- 30 Year Fixed Rate Mortgage at 7.125% (7.226% APR): 360 monthly payments of $6.74 per $1,000 borrowed
Adjustable Rate Mortgage
*Annual Percentage Rates (APR) are lowest available and subject to change without notice. Rate may increase after closing. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, occupancy, appraised value, down payment, property type, property use and loan purpose. Property insurance (and flood insurance if applicable) required. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Mortgage insurance required if loan to value exceeds 80%.
- 10/1 Adjustable Rate Mortgage at 6.875% (7.013% APR): 360 monthly payments of $6.57 per $1,000 borrowed
- 7/1 Adjustable Rate Mortgage at 6.625% (6.898% APR): 360 monthly payments of $6.40 per $1,000 borrowed
- 5/1 Adjustable Rate Mortgage at 6.500% (6.838% APR): 360 monthly payments of $6.32 per $1,000 borrowed
*Annual Percentage Rates (APR) are lowest available and subject to change without notice. Rate may increase after closing. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, occupancy, appraised value, down payment, property type, property use and loan purpose. Property insurance (and flood insurance if applicable) required. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Mortgage insurance required if loan to value exceeds 80%.
- 10/1 Adjustable Rate Mortgage at 6.875% (7.013% APR): 360 monthly payments of $6.57 per $1,000 borrowed
- 7/1 Adjustable Rate Mortgage at 6.625 (6.898% APR): 360 monthly payments of $6.40 per $1,000 borrowed
- 5/1 Adjustable Rate Mortgage at 6.500% (6.838% APR): 360 monthly payments of $6.32 per $1,000 borrowed
Active as of 10.25.2026
First Time Home Buyer Mortgage
| Product | Interest Rate | Points | APR* |
| Year 1* | 6.375% | 0 | 7.122% |
| Year 2* | 6.625% | 0 | 7.122% |
| Year 3* | 6.875% | 0 | 7.122% |
| Year 4-30* | 7.125 | 0 | 7.122% |
*Annual Percentage Rates (APR) are lowest available and subject to change without notice.” Rate for years 4 – 30 is the “Base Rate”. Rate for year 1 is Base Rate minus 0.75%; year 2 is Base Rate minus 0.50%; year 3 is Base Rate minus 0.25%. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, occupancy, appraised value, down payment, property type, property use and loan purpose. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Property insurance (and flood insurance if applicable) required. Mortgage insurance required if loan to value exceeds 80%. All borrowers must be a first time home buyer.
- First Time Home Buyer Mortgage, year 1 at 6.375% (7.122% APR): 12 monthly payments of $6.24 per $1,000 borrowed
- First Time Home Buyer Mortgage, year 2 at 6.625% (7.122% APR): 12 monthly payments of $6.40 per $1,000 borrowed
- First Time Home Buyer Mortgage, year 3 at 6.875% (7.122% APR): 12 monthly payments of $6.57 per $1,000 borrowed
- First Time Home Buyer Mortgage, years 4-30 at 7.125% (7.122% APR): 324 monthly payments of $6.74 per $1,000 borrowed
*Annual Percentage Rates (APR) are lowest available and subject to change without notice.” Rate for years 4 – 30 is the “Base Rate”. Rate for year 1 is Base Rate minus 0.75%; year 2 is Base Rate minus 0.50%; year 3 is Base Rate minus 0.25%. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, occupancy, appraised value, down payment, property type, property use and loan purpose. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Property insurance (and flood insurance if applicable) required. Mortgage insurance required if loan to value exceeds 80%. All borrowers must be a first time home buyer.
- First Time Home Buyer Mortgage, year 1 at 6.375% (7.122% APR): 12 monthly payments of $6.24 per $1,000 borrowed
- First Time Home Buyer Mortgage, year 2 at 6.625%% (7.122% APR): 12 monthly payments of $6.40 per $1,000 borrowed
- First Time Home Buyer Mortgage, year 3 at 6.875% (7.122% APR): 12 monthly payments of $6.57 per $1,000 borrowed
- First Time Home Buyer Mortgage, years 4-30 at 7.125% (7.122% APR): 324 monthly payments of $6.74 per $1,000 borrowed
If fraud is suspected on your account you will be contacted by the Credit Union. Typically, the first alert is by email. If there is no response you will receive a text and then a phone call. Each of these communications will provide easy to follow steps to contact us.
Alerts can be set up within the My Profile section in your online banking profile. There you can customize the specific alerts you would like to receive for your specific accounts.
To submit a travel notification if you anticipate using your debit card while traveling, navigate to the Travel Notification button in the Services & Tools section of your online banking profile. From there you would input your debit card number, the start and end dates of your travel, as well as the trip details.
You can also contact the Member Service Center during normal business hours at 800.498.8930.
Yes, at People’s Credit Union your deposits are insured. Federally chartered credit unions are regulated by the National Credit Union Administration and insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States government. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, NCUSIF is similar to deposit insurance coverage provided by the Federal Deposit Insurance Corporation. For more information on how your deposits are insured please visit https://www.mycreditunion.gov/share-insurance
The confidentiality of your personal information is important to us. Our Privacy Policy can be found on our Privacy Policy page.
If you suspect suspicious activity on your account, please call your local branch or the Member Service Center at 800.498.8930.
