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 The Peoples Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
The Peoples Credit Union's 12 Month CD rates are at 3.55%, 7 month CD rates are at 3.55%, 18 Month CD rates are at 3.50%, 24 Month CD rates are at 3.50%, 9 Month CD rates are at 3.35%. The Peoples Credit Union's savings rates are at 0.05%. The Peoples Credit Union's money market rates are at 0.05%. The Peoples Credit Union's 10 TO 1 ARM rates are at 3.25%, 15 Year Fixed Rate rates are at 6.00%, Adjustable Rate Mortgage - 5/1 ARM rates are at 5.88%, Adjustable Rate Mortgage - 7/1 ARM rates are at 6.00%, Adjustable Rate Mortgage - 10/1 ARM rates are at 6.12%. The Peoples Credit Union's Auto Loan Rates are as low as 5.20%. The Peoples Credit Union's Credit Card Rates are at 6.75%. MonitorBankRates evaluates the financial stability of The Peoples Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.20%. Rates last updated and verified on 09/14/2026. The Peoples Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Peoples Credit Union? Share your experience about The Peoples Credit Union by leaving a review below, or read customer reviews before you decide to use The Peoples Credit Union. The Peoples Credit Union
Peoples Credit Union 858 W Main Rd
https://www.peoplescu.com Middletown, RI 02842 
The Peoples Credit Union CD Rates
The Peoples Credit Union Savings Rates
The Peoples Credit Union Money Market Rates
The Peoples Credit Union Checking Rates
The Peoples Credit Union Mortgage Rates
The Peoples Credit Union Home Equity & HELOC
The Peoples Credit Union Auto Loan Rates
The Peoples Credit Union RV, Boat and Powersport Loan Rates
The Peoples Credit Union Credit Card Rates
The Peoples Credit Union Other Rates
Financial Health HistoryThe Peoples Credit Union’s Texas Ratio rose from 2.47% in Q2 2023 to 3.20% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for The Peoples Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather The Peoples Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with The Peoples Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
The Peoples Credit Union
Website
https://www.peoplescu.com
Address
858 W Main Rd,
Middletown, RI 02842
Phone
401-846-8930
Fax
401-846-1210
President
Christopher Ottiano
CEO
Sean Daly
Full-Time Employees
120
Part-Time Employees
3
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.20%
Return on Assets (ROA)
0.0562%
Return on Equity (ROE)
0.5616%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
801,946,871
Total Amount of Shares and Deposits
634,690,737
Total Shares and Deposits < 1 Year
613,608,817
Total Shares and Deposits 1 3 Years
20,572,809
Total Shares and Deposits > 3 Years
509,110
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
67,010,977
Total Uninsured Shares and Deposits > $250K (F+J)
67,010,977
Total Insured Shares and Deposits > $250K (item 17 less item K)
567,679,760
Total Interest Expense (Sum of items 6 8)
3,017,805
Share Certificates
3,774
Number of Accounts for Share Drafts
23,573
IRA KEOGH Accounts
739
Number of Accounts for Regular Shares
23,691
All other shares
1,474
Money Market Shares
1,772
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
26,696,698
Total Liabilities
729,149,228
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for The Peoples Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About The Peoples Credit UnionHow many branches does The Peoples Credit Union operate?The Peoples Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join The Peoples Credit Union?Yes, to access services at The Peoples Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, The Peoples Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, The Peoples Credit Union provides members with tools to manage their accounts and build a solid financial history. Does The Peoples Credit Union offer online and mobile banking?Most modern institutions like The Peoples Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.peoplescu.com. Current The Peoples Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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