What are the current interest rates at The Peoples Credit Union?

Current rates for The Peoples Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 2.35%, Savings: 0.05%, MMA: 0.05%

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The Peoples Credit Union

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The Peoples Credit Union Rates & Review August 2026

Q: How 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

The Peoples Credit Union's 12 month rates are at 3.55%, 7 month rates are at 3.55%, 12 month CDs of Deposit rates are at 3.55%, 18 month rates are at 3.50%, 24 month rates are at 3.50%. 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 5 TO 1 ARM rates are at 2.88%, 7 TO 1 ARM rates are at 2.88%, 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%. The Peoples Credit Union's Personal Loan Rates are at 5.10%. 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 3.35%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.35%

Excellent Lower than avg

The Peoples Credit Union
Peoples Credit Union

858 W Main Rd
Middletown, RI 02842

https://www.peoplescu.com

The Peoples Credit Union CD Rates

Product	Rate	APY	Term
12 month	-	3.55%	12 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
7 month	-	3.55%	7 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
12 month Certificates of Deposit	-	3.55%	12 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
18 month	-	3.50%	18 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
24 month	-	3.50%	24 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
18 month Certificates of Deposit	-	3.50%	18 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
9 month	-	3.35%	9 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
9 month Certificates of Deposit	-	3.35%	9 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
15 month	-	3.25%	15 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
15 month Certificates of Deposit	-	3.25%	15 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
10 month	-	3.15%	10 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
6 month	-	3.00%	6 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
6 month Certificates of Deposit	-	3.00%	6 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
30 month	-	2.60%	30 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
30 month Certificates of Deposit	-	2.60%	30 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
36 month	-	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
36 month Certificates of Deposit	-	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
48 month	-	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
60 month	-	2.35%	60 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
48 month Certificates of Deposit	-	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
3 month	-	0.10%	3 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
3 month Certificates of Deposit	-	0.10%	3 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

The Peoples Credit Union Savings Rates

Product	Rate	APY
Basic Savings	-	0.05%
Min Deposit $5 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Savings Account	-	0.05%
Min Deposit $5 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Holiday Club Savings	-	0.05%
Min Deposit $1 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Individual Retirement Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

The Peoples Credit Union Money Market Rates

Product	Rate	APY
Business Max Yield Money Market	-	2.50%
Min Deposit $2,500 Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Max Yield Money Market	-	2.50%
Min Deposit $2,500 Min Balance $500,000 Details ****Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Must have an active Max Yield Checking Account to obtain the higher rate of interest. If the checking is closed at anytime of the month, the account will pay the current Personal Money Market rate of interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Max Yield Money Market	-	2.25%
Min Deposit $2,500 Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Max Yield Money Market	-	2.25%
Min Deposit $2,500 Min Balance $50,000 Details ****Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Must have an active Max Yield Checking Account to obtain the higher rate of interest. If the checking is closed at anytime of the month, the account will pay the current Personal Money Market rate of interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Max Yield Money Market	-	2.00%
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Max Yield Money Market	-	2.00%
Min Deposit $2,500 Min Balance $2,500 Details ****Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Must have an active Max Yield Checking Account to obtain the higher rate of interest. If the checking is closed at anytime of the month, the account will pay the current Personal Money Market rate of interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Money Market	-	0.25%
Min Deposit $2,500 Min Balance $75,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Money Market	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Personal Money Market	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details ***Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Money Market	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Personal Money Market	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details ***Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Money Market	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Personal Money Market	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details ***Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

The Peoples Credit Union Checking Rates

Product	Rate	APY
Business Interest Checking	-	0.10%
Min Deposit $25 Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Max Yield Checking	-	0.10%
Min Deposit $25 Min Balance $1,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Business Interest Checking	-	0.05%
Min Deposit $25 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Max Yield Checking	-	0.05%
Min Deposit $25 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
myDirect Interest Checking	-	0.05%
Min Deposit $25 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

The Peoples Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5 TO 1 ARM	2.88%	0	2.97%	Months 1-60/Months 61-360
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
7 TO 1 ARM	2.88%	0	2.97%	Months 1-84/Months 85-360
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
10 TO 1 ARM	3.25%	0	3.35%	Months 1-120/Months 121-360
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
15 Year Fixed Rate	6.00%	0	6.14%	15 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Adjustable Rate Mortgage - 5/1 ARM	5.88%	0	6.29%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Adjustable Rate Mortgage - 7/1 ARM	6.00%	0	6.33%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Adjustable Rate Mortgage - 10/1 ARM	6.13%	0	6.34%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
20 Year Fixed Rate	6.25%	0	6.37%	20 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
30 Year Fixed Rate	6.38%	0	6.47%	30 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

The Peoples Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Primary Residence	6.00%	0	6.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan - 10 Years - Primary Residence	6.25%	0	6.25%	10 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Primary Residence - 10 Years	6.25%	0	6.25%	10 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan - 15 Years - Primary Residence	6.50%	0	6.50%	15 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Primary Residence - 15 Years	6.50%	0	6.50%	15 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Second Home	6.50%	0	6.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Second Home - 10 Years	6.75%	0	6.75%	10 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan - 20 Years - Primary Residence	6.88%	0	6.88%	20 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Primary Residence - 20 Years	6.88%	0	6.88%	20 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate Home Equity Loan - 15 Years - Second Home	7.00%	0	7.00%	15 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Investment Property	7.00%	0	7.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Second Home - 15 Years	7.00%	0	7.00%	15 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Investment Property - 10 Years	7.25%	0	7.25%	10 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Second Home - 20 Years	7.38%	0	7.38%	20 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Investment Property - 15 Years	7.50%	0	7.50%	15 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Investment Property - 20 Years	7.88%	0	7.88%	20 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

The Peoples Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2023-2026 Auto Loan	-	-	5.10%	63 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vehicle Loan (2023-2026)	-	-	5.10%	63 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2022-2025 Auto Loan	-	-	5.20%	63 months
Details 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. Minimum loan amount of $25,000 with maximum mileage of 25,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2020-2022 Auto Loan	-	-	5.24%	63 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vehicle Loan (2020-2022)	-	-	5.24%	63 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2022-2025 Auto Loan	-	-	5.34%	66 months
Details 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. Minimum loan amount of $25,000 with maximum mileage of 25,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2023-2026 Auto Loan	-	-	5.34%	75 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vehicle Loan (2023-2026)	-	-	5.34%	75 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2019-2021 Auto Loan	-	-	5.50%	63 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2020-2022 Auto Loan	-	-	5.50%	75 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2022-2025 Auto Loan	-	-	5.50%	72 months
Details 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. Minimum loan amount of $25,000 with maximum mileage of 25,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vehicle Loan (2020-2022)	-	-	5.50%	75 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2019-2021 Auto Loan	-	-	5.74%	66 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2023-2026 Auto Loan	-	-	6.00%	84 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vehicle Loan (2023-2026)	-	-	6.00%	84** Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2016-2018 Auto Loan	-	-	6.24%	63 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2017-2019 Auto Loan	-	-	6.50%	66 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vehicle Loan (2017-2019)	-	-	6.50%	66 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2022-2025 Auto Loan	-	-	6.74%	84 months
Details 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. Minimum loan amount of $25,000 with maximum mileage of 25,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2016 Auto Loan	-	-	7.00%	66 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2017-2019 Auto Loan	-	-	7.00%	75 months
Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vehicle Loan (2016)	-	-	7.00%	66 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vehicle Loan (2017-2019)	-	-	7.00%	75 month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

The Peoples Credit Union Credit Card Rates

Product	Rate	APR	View More
People's CU Credit Card	-	0.00%
Details Intro rate expires: 12 months; Regular APR: 6.75% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

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Methodology & Data Sources

MonitorBankRates 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 115

Part-Time Employees 2

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.35%

Return on Assets (ROA)

0.1239%

Return on Equity (ROE)

1.2706%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

810,409,210

Total Amount of Shares and Deposits

619,858,734

Total Shares and Deposits < 1 Year

616,205,805

Total Shares and Deposits 1 3 Years

3,074,781

Total Shares and Deposits > 3 Years

578,148

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

67,381,239

Total Uninsured Shares and Deposits > $250K (F+J)

67,381,239

Total Insured Shares and Deposits > $250K (item 17 less item K)

552,477,495

Total Interest Expense (Sum of items 6 8)

11,132,654

Share Certificates

3,979

Number of Accounts for Share Drafts

23,612

IRA KEOGH Accounts

748

Number of Accounts for Regular Shares

24,433

All other shares

1,516

Money Market Shares

1,701

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)

25,031,311

Total Liabilities

739,737,354

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About The Peoples Credit Union

How 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.