FAQs

We do sell and underwrite to secondary market (Fannie Mae) guidelines. However, we will service your loans, so you will always pay your mortgage directly to us.

First and foremost People’s does not collect any fees for you to apply.   Closing costs vary depending on the type of mortgage and the amount of the mortgage you apply for, and will vary based on your situation.   Fees are broken down into categories. For example, fees may be charged by outside venders for the Credit Report, Appraisal, Attorney Fee, Tax Service, or a Flood Certificate. There are also fees collected by the town such as recording fees and taxes.  The only fees collected by People’s Credit Union are for underwriting the loan.

Getting preapproved from People’s lets dealers know that you are a serious buyer and you can be confident knowing that you have a great low-rate financing option.

There is no limit to the amount you can deposit at an ATM. The availability of those funds is limited, however. Please see our funds availability policy for more details.

Please visit our ATM locations page for a list of our branch locations and other surcharge free ATMs.

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!

Find a SUM ATM near you.

Rhode Island Credit Union Connection

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.

Find a Rhode Island Credit Union Connection ATM near you.

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..