THE PEOPLES

858 W Main Rd
Middletown, RI 02842

Notable Rates APY Vs.Others
Savings 0.05% 2.60% →
1-Year CD 0.50% 2.25% →
2-Year CD 0.60% 2.50% →
5-Year CD 1.25% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

The Peoples is an NCUA insured institution located in Middletown, RI. It was founded in 1922 and has approximately $522.96 millions in assets.

NCUA Insured Yes
Charter Number # # 65861
Date Established 1922
Assets $522.96 million
Loans $436.17 million
Deposits $423.33 million
Capital $57.14 million
 

Field of Membership Restrictions

Membership is is available to corporations, partnerships, sole proprietorships, voluntary associations, fraternal organizations, trusts, limited liability companies and individuals regardless of residence or occupation.

Deposit Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.05% $2,500 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $500 - Learn MoreShow Less
Special: 10 Mo FIRA
1.50% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.30% $500 - Learn MoreShow Less
Special: 10 Mo CD
1.50% $500 - Learn MoreShow Less
12 Mo CD
0.50% $500 - Learn MoreShow Less
24 Mo CD
0.60% $500 - Learn MoreShow Less
30 Mo CD
0.70% $500 - Learn MoreShow Less
36 Mo CD
0.75% $500 - Learn MoreShow Less
48 Mo CD
1.00% $500 - Learn MoreShow Less
60 Mo CD
1.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $1,499 Learn MoreShow Less
Int Ckg
0.10% $1,500 - Learn MoreShow Less

Loan Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for THE PEOPLES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.530% 3.500% 0.38 $930 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to THE PEOPLES
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are The Peoples branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Peoples Locations


Financial Details

The Peoples Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Peoples. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
The Peoples U.S. Average
6.03% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, The Peoples had $3,566,304 in non-current loans and $80,082 in owned assets. To cover these potential losses it had $57,144,385 in net worth and $3,300,837 in loans loss reserves. That gives it a Texas Ratio of 6.03%.

Net Worth
The Peoples U.S. Average
10.92% 13.65%

The Peoples FCU has a net worth of 10.92% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About The Peoples

Branches and Savings

What is The Peoples?

A federal credit union, registered with the NCUA under certificate #65861.
Learn more about credit unions here.

Is The Peoples FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join The Peoples?

Please see Field of Membership information above for information on who is eligible to join.

What are The Peoples's share account and share certificate rates?

The Peoples's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is The Peoples?

The Peoples has total capital of $57.14 million. Full information on The Peoples's financial position is located above.

Who owns The Peoples?

Credit Unions are owned by their members.

Where are The Peoples branches located?

See branch locations nearby.

Are The Peoples ATMs Open 24/7?

Do The Peoples ATMs accept cash deposits?

Can The Peoples customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does The Peoples have a mobile app?

Does The Peoples have mobile deposit?

Does The Peoples have quick pay?

How can The Peoples transfer money to other banks or credit unions?

Does The Peoples report to credit bureaus?

Does The Peoples use Chexsystems?

Does The Peoples use Equifax?

What is The Peoples's toll free phone number?

What is The Peoples's ACH Routing Number?

What is The Peoples's SWIFT code?

Where can I find The Peoples's wire transfer form?

What is the The Peoples address for deposits?

What Products Does The Peoples Offer

Does The Peoples offer mortgages?

Compare mortgage rates here.

Does The Peoples offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Peoples offer auto and RV loans?

Compare auto loan rates here.

Does The Peoples offer student loans or personal loans?

Compare personal loan rates here.

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