ATMs are located at every People’s Credit Union branch:
Bristol: 50 Gooding Avenue
Middletown: 858 West Main Road
Newport: 43 Memorial Boulevard
North Kingstown: 7490 Post Road
Portsmouth: 2537 East Main Road
Wakefield: 150 Old Tower Hill Road
SUM® Program
Through People’s Credit Union’s membership in the SUM Program, members can use 2,700 ATMs without paying a surcharge. Not every ATM of every SUM Program Member participates in the SUM Program. Be sure to look for the SUM logo for a participating SUM ATM. Download the app today!
People’s Credit Union is also a member of the Rhode Island Credit Union Connection, which provides you surcharge-free access to a network of credit union ATMs throughout the state.
People’s Credit Union has branches in Bristol, Middletown, Newport, North Kingstown, Portsmouth, and Wakefield, Rhode Island. For more details please visit our Locations page
People’s Credit Union observes most Federal and State holidays. These include New Year’s Day, Martin Luther King, Jr. Day, Presidents’ Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans’ Day, Thanksgiving, and Christmas Day. We will post the specific dates in advance at our branches and on our website.
To better serve each community our hours vary by branch. Please see our Locations page for specific branch hours.
Please visit our Contact Us page to learn more about all the ways you can contact People’s Credit Union.
We offer a variety of terms for both new and used auto loans. We can help you determine the right solution for you and your budget. To learn more visit our Auto Loan page.
People’s Credit Union offers a full range of fixed and variable interest Mortgage Loans. Please visit our Mortgage page to learn more about our products and meet our Mortgage Lenders..
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.
Interest Rates are subject to change without notice and offer may be withdrawn at any time.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.
DISCLOSURES
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.
*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.
DISCLOSURES
*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.
*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.
DISCLOSURES
*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.
*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 40,000 with terms of 84 months.
2023-2026 Auto Loan (5.10% APR): 63 monthly payments of $18.13 per $1,000 borrowed.
2023-2026 Auto Loan (5.10% APR): 66 monthly payments of $17.41 per $1,000 borrowed.
2023-2026 Auto Loan (5.34% APR): 75 monthly payments of $15.71 per $1,000 borrowed.
2023-2026 Auto Loan (6.34% APR): 84 monthly payments of $14.77 per $1,000 borrowed.
DISCLOSURES
*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.
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 (5.24% APR): 63 monthly payments of $18.19 per $1,000 borrowed.
2020-2022 Auto Loan (5.24% APR): 66 monthly payments of $17.47 per $1,000 borrowed.
2020-2022 Auto Loan (5.50% APR): 75 monthly payments of $15.79 per $1,000 borrowed.
2017-2019 Auto Loan (6.50% APR): 66 monthly payments of $18.06 per $1,000 borrowed.
2017-2019 Auto Loan (7.00% APR): 75 monthly payments of $16.50 per $1,000 borrowed.
2016 Auto Loan (7.00% APR): 66 monthly payments of $18.30 per $1,000 borrowed.
DISCLOSURES
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.
*Disclosures and Details:
Annual Percentage Rate (APR) are lowest and subject to change without notice. The advertised APR based on a credit score of 700 or higher. Other rates are available based on creditworthiness. APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through your account's first twelve billing cycles. After that, your variable APR will be 6.75% (as of 12.11.2025). This APR will vary with the market based on Wall Street Prime & creditworthiness.
Compare Cards
People's CU
Savings Secured
Local
Bank One
Local Credit
Union
National Bank
One
Promotional APR for Purchases and Balance Transfers
*Disclosures and Details:
Annual Percentage Rate (APR) are lowest and subject to change without notice. The advertised APR based on a credit score of 700 or higher. Other rates are available based on creditworthiness. APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through your account's first twelve billing cycles. After that, your variable APR will be 15.99% to 18.00% (as of 12.11.2025). This APR will vary with the market based on Wall Street Prime & credit worthiness.
Compare Cards
People's CU
Rewards
Local
Bank One
Local Credit
Union
Local Credit Union
Two
National Bank
One
Promotional APR for Purchases and Balance Transfers
*Disclosures and Details:
Annual Percentage Rate (APR) are lowest and subject to change without notice. The advertised APR based on a credit score of 700 or higher. Other rates are available based on creditworthiness. APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through your account's first twelve billing cycles. After that, your variable APR will be 12.49% to 15.99% (as of 12.11.2025). This APR will vary with the market based on Wall Street Prime & credit worthiness.
Compare Cards
People's CU
Low-Rate
Local
Bank One
Local Credit
Union
Local Credit Union
Two
National Bank
One
Promotional APR for Purchases and Balance Transfers
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
Current members with online banking can easily open an account online by choosing Open an Account from the menu once you are logged in. Click here to open an account.
