Featured Savings Rates
Featured Accounts

Pawtucket Credit Union

Popular Accounts at this Credit Union

1.25%18-month CD15 Month Easy Access CD
1.75%5-year CD60 Month Bump-Up CD
0.50%1-year CD12 Month CD

Overview / Commentary
1200 Central Ave
Pawtucket, RI 02861-2200

Pawtucket Credit Union is headquartered in Pawtucket and is the largest credit union in the state of Rhode Island. It is also the 114th largest credit union in the nation. It was established in 1926 and as of June of 2017, it had grown to 257 employees and 103,292 members at 15 locations. Pawtucket Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Rhode Island, or nearby communities in Massachusetts or Connecticut.
See current membership details

Related Posts

25-Month CD, 1.75% APY - 4/3/2017

Pawtucket Credit Union in Rhode Island just raised the rate on its 25-month CD to 1.75% APY. Min deposit is $1,000. Credit Union is open to all Rhode Island residents and the nearby communities in Connecticut and Massachusetts.

Pawtucket CU (RI) Offers 15-Month Easy Access CD - 10/5/2016

Pawtucket CU (RI/MA/CT) raised the rate on its 25-month CD (1.40% APY). Min deposit is $1k, with no balance cap. Two partial withdrawals are allowed without penalty.

Reviews (4)

Bigger Style Credit Union

Pawtucket Credit Union is a great alternative to the "Big Banks". There is no fee for using any credit union (even if its not Pawtucket Credit Union) atms. With a direct deposit their checking accounts are free. They have better then average rates. The only drawback I have is that they do debits before credits.

Dropped Rates And Added Fees

Posted by: katkatkat | Jun 13, 2015

Pawtucket has dropped its rates so that there are several local credit unions with better CD rates. Also, like some other cus (but not all) they now zap you with a $25 fee for transferring an IRA.

A big bank diguised as a Credit Union

Posted by: Ogiee8 | May 23, 2015

Pawtucket Credit Union use to be a great credit union. They no longer work with its customers and have higher fees then an average bank. Their accounts have very little interest to offer. The credit union is expanding so fast and developing multiple locations in the State of Rhode Island that it is no longer your local credit union. It is all about getting "new business" and older customers are left in the dust because they aren't new money. Some of their charges on their checking account is a 10.00 a month maintenance fee, 12.00 bank check fee, 35.00 over draw fee. They offer no good savings account for the average joe, as they require thousands of dollars before you get any really kind of interest. They offer no college fund accounts and their CDs have terrible interest. At one time I would recommend Pawtucket Credit Union but I no longer can with the amount of better options available in the state.

Member of Pawtucket Credit Union

Posted by: maeloa2 | Apr 21, 2014

On 4/09/2013 I went to the Smithfield,RI. branch to get a home equity loan I had all the qualifications, paid off house valued in access of $ 135,000.00,steady income,and a good credit rating in access of the 675 required by them,plus a fairly large amount of cash on hand in access of $ 40,000.00 I basically I wanted to get my paid off house to do a little work for me to consolidate and one bill,my request was for $85,000.00 @ 2.95% for 12 years,now I pulled my credit scores a month before mind you,they pull a score with there so called credit company and it is 25 points lower than the 3 i pulled!?? and inform me I am not eligiable for the 2.9% but would have to go into the 7.9% bracket!!??? that would be an extra appox $ 28,800.00 interest more what they basically tried was a bait and switch preditory lending tactic on me!!?? there explanation was online credit scores from the top 3 are not accurate!!??The same ones that you are allowed to get once a year free by order of the goverment! As everyone can see these lending insititions are still up to there old ways and will never change,they have still not figured out that the people have had enough of all of them espically the poor families who lost there houses,savings etc by these corrupt and preditory tactics,becareful these guys are less than honest.


Health Grade Components

NCUA #67278
Year Chartered1926
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD7.63%
Annual Interest Income$30.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.05B$1.86B
LoansQ2 2017vs Q2 2016$1.81B$1.62B
DepositsQ2 2017vs Q2 2016$1.60B$1.45B
Equity CapitalQ2 2017vs Q2 2016$192.4MM$178.2MM
Loan Loss AllowanceQ2 2017vs Q2 2016$8.1MM$8.1MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.8MM$918.00K
Real Estate OwnedQ2 2017vs Q2 2016$547.00K$740.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pawtucket Credit Union Savings Account Rates

0.45%$2,500-Business High Yield Savings
0.35%*$25k*-High Yield Savings
OTHER TIERS: 0.25% $25 - $25k
0.25%$25-Passbook Savings
0.25%$25-Statement Savings
0.25%--Money Club Share Savings
0.25%$25-IRA Savings
0.25%$25-Business Statement Savings
0.25%$25-Roth IRA Savings
0.25%$25-CESA Savings

Pawtucket Credit Union Money Market Rates

0.35%$10k-High Yield Money Market
0.35%*$2,500*-Money Market Statement
OTHER TIERS: 0.25% $25 - $2,500

Pawtucket Credit Union Checking Account Rates

0.85%*-$1kDebit Card Checking
OTHER TIERS: 0.20% $5k+ | 0.35% $2,500 - $5k | 0.60% $1k - $2,500
0.20%$2,500-Direct Checking Plus

Pawtucket Credit Union CD Rates

1.75%$1k-60 Month Bump-Up CD
1.75%$1k-42 Month Bump Up CD
1.75%$1k-25 Month CD
1.25%$5k-15 Month Easy Access CD
1.15%$1k-24 Month Bump-Up CD
1.00%$1k-36 Month Bump-Up CD
1.00%$1k-48 Month Bump-Up CD
0.50%$1k-3 Month CD
0.50%$1k-6 Month CD
0.50%$1k-9 Month CD
0.50%$1k-12 Month CD
0.50%$1k-18 Month CD

Pawtucket Credit Union IRA Rates

1.75%$500-60 Month Bump-Up IRA
1.75%$1k-42 Month Bump Up IRA
1.75%$500-25 Month IRA
1.15%$500-24 Month Bump-Up IRA
1.00%$500-36 Month Bump-Up IRA
1.00%$500-48 Month Bump-Up IRA
0.50%$500-3 Month IRA
0.50%$500-6 Month IRA
0.50%$500-9 Month IRA
0.50%$500-12 Month IRA
0.50%$500-18 Month IRA