Q2 2026 call reports
Credit union loan rates in Rhode Island
Rhode Island credit unions reported a median new auto loan rate of 4.99% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Blackstone River Federal Credit Union reported the lowest, 4.19%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | Rhode Island median | US median |
|---|---|---|
| New auto | 4.99% | 5.46% |
| Used auto | 6.00% | 6.32% |
| Credit card | 12.24% | 11.50% |
| Personal | 12.00% | 11.75% |
| Mortgage | 6.13% | 5.75% |
| Home equity | 6.50% | 6.75% |
Lowest credit card rate reported in Rhode Island: Rhode Island Credit Union, 10.65%. Lowest first mortgage rate: Blackstone River Federal Credit Union, 4.00%. (Same size rules as the national rankings.)
Every Rhode Island credit union's reported rates
All 14 Rhode Island credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| Navigant Credit Union | 4.24% | 6.09% | 18.24% | 18.00% | 6.13% | 5.99% |
| Coastal1 Credit Union | 6.17% | 7.08% | – | 10.49% | 6.13% | 5.99% |
| Greenwood Credit Union | 7.89% | 9.01% | 14.90% | 15.75% | 7.44% | 8.25% |
| The Peoples Credit Union | 6.00% | 7.00% | 12.49% | 14.75% | 6.00% | 6.50% |
| Westerly Community Credit Union | 4.49% | 4.49% | – | 9.99% | 6.25% | 6.75% |
| Rhode Island Credit Union | 4.99% | 5.49% | 10.65% | 10.65% | 6.99% | 6.25% |
| Ocean State Credit Union | 5.46% | 6.66% | 10.86% | 16.08% | 4.87% | 6.73% |
| Wave Federal Credit Union | 4.99% | 5.99% | 11.99% | 9.99% | 6.00% | 5.99% |
| Cranston Municipal Employees Credit Union | 4.99% | 5.24% | – | 11.50% | 7.00% | 7.00% |
| Blackstone River Federal Credit Union | 4.19% | 4.95% | – | 11.76% | 4.00% | 5.13% |
| Community & Teachers Federal Credit Union | 5.25% | 6.00% | – | 14.00% | 4.50% | 7.50% |
| Cumberland Municipal Employees Federal Credit Union | 5.75% | 6.25% | – | 12.00% | – | – |
| Pawtucket Municipal Employees Federal Credit Union | 4.99% | 5.49% | – | 11.99% | – | – |
| Natco Employees Federal Credit Union | – | – | – | 12.00% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Rhode Island credit unions · Lowest rates nationally