A RI state employee credit union can be a wise choice for your banking needs. A state of Rhode Island employees’ credit union provides some of the lowest loan rates around with competitive interest rates and flexible terms, which make them perfect for auto and home loans or lines of credit. Rhode Island state employees can also take advantage of the credit unions’ checking and savings options, investment opportunities or low rate credit cards.

Choosing to bank at a RI state employees’ credit union is tricky. In order to join one of these credit unions, you need to be a RI state employee or a family member of a RI state employee. Check to see if you qualify for a state credit union or try a Rhode Island federal employee credit union that allows state employees to also join.

Consider the following when looking for state employees' credit unions in Rhode Island:

1. Learn specifics about a Rhode Island state employee credit union from current members.

2. Find state employees’ credit unions in Rhode Island that have online sources.

3. Look for Rhode Island credit unions for state employees with local branches.

Action Steps
The best contacts and resources to help you get it done

Locate a specific RI state employees' credit union by name

One of the best forms of advertising is word of mouth. Listen to others when you're looking to join a Rhode Island state credit union for state employees. You can then research each credit union to see if you qualify and decide if any of them meet your needs.

I recommend: Use the Community Banker to locate a state employees credit union in Rhode Island by name. Click on any of the credit unions for state employees in Rhode Island to find out more information about them. With Credit Union Directory, you can compare the rates of each RI state employee credit union side-by-side. Use it to find the best rates in your area.

Find a RI state credit union for state employees to join

If you or any family members meet the eligibility requirements, join a Rhode Island state employee credit union or a state medical center credit union. It can save you money while serving all your financial needs.

I recommend: Rhode Island Credit Union is a community credit union open to anyone living or working in Rhode Island. It’s also the state employees’ credit union of RI. It’s located in Providence and has branches in Cranston, Bristol, Pascoag and Kingston. If you work at a Care New England Health Care Facility, you’re eligible to become a member in the Kent Hospital Federal Credit Union. This includes employees, volunteers, medical staff, retirees and immediate family members. It’s located in Warwick, RI.

Select a Rhode Island state employees' credit union that caters to teachers

Many credit unions for employees of the state in Rhode Island are open to teachers and other employees in the school system. See if you meet the requirements to take advantage of all the added benefits you receive by becoming a member of a credit union geared especially towards those in the field of education.

I recommend: Blackstone River Federal Credit Union is open to teachers and other education employees in all the communities that the Blackstone River touches. There are other groups eligible to join, including municipal employees and employees of two Rhode Island hospitals, so check the history page to see if you qualify. It’s located in Woonsocket, RI and has a branch in Lincoln, RI. Community & Teachers Federal Credit Union is also open to teachers. It has a full range of online services and is located in East Providence, RI.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Once you qualify for membership in a state employees' credit union in Rhode Island, you remain a member even if your circumstances change.
• •  Many state employee credit unions in Rhode Island offer shared branching, which means you can use another city or state's credit union as if it was your local state employee credit union.