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Top credit unions in Rhode Island ranked by best APR.

Sort the best APR by loan type, and see how these rates affect car payments in our RI​ car payment calculator.

Car rates are for 72 months. The rates listed are the best offered by the top credit unions in Rhode Island for A-tier credit scores.
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​The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Sort rates by clicking the top of the list.

Best Credit Unions in Rhode Island

Rank	Credit Union	Car APR	Home APR	CC APR	Locations
1	Rhode Island CU				6
2	Westerly				5
3	Ocean State				6
4	Navigant				25
5	Coastal1				20

Rhode Island Credit Union
RICU was established in 1946 and has 30,000 members at 6 credit unions in Rhode Island.

All RI residents are eligible for membership.

Rhode Island CU ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service.

Headquarters: 160 Francis St, Providence, RI 02903

Westerly Community Credit Union
WCCU was founded in 1948. It has over 26,000 clients at 5 branches in Rhode Island.

WCCU is active in the community hosting yearly Basketball tournaments, educational grants, scholarship programs, and a savings club.

The ways to join include all Rhode Island residents.

Westerly Community CU would rank higher on the 2025 list of top credit unions in Rhode Island if it had a better credit card rate and more branch locations.

Headquarters: 122 Granite St, Westerly, RI 02891

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Ocean State Credit Union
OSCU was established in 1950 and serves over 25,000 customers at 6 locations in RI.

Membership eligibility includes residents near branch locations in Coventry, North Kingstown, Warwick, and West Warwick.

Headquarters: 2006 Nooseneck Hill Rd, Coventry, RI 02816

Navigant Credit Union
Navigant CU was founded in 1915 as the first credit union in Rhode Island. The original name was La Credit Union de Notre Dame de Central Falls.

Membership eligibility includes all RI residents.

Navigant is the largest credit union in Rhode Island with over 150,000 members at 25 branches.

Headquarters: 1005 Douglas Pike, Smithfield, RI 02917

Coastal1 Credit Union
Coastal1 was established in 1926 and has over 140,000 members at 10 branches in Rhode Island.

The ways to join include residents in Bristol, Cranston, Cumberland, East Greenwich, East Providence, Johnston, North Kingstown, North Providence, Pawtucket, Providence, Smithfield, Wakefield, and Warwick.

Headquarters: 1200 Central Ave, Pawtucket, RI 02861