OCEAN STATE is an NCUA-insured credit union located in COVENTRY, RI. New auto loan rates from 5.46% APR. Google rating: 3.7 out of 5 from 15 reviews.

Ocean State

2006 NOOSENECK HILL ROAD, Coventry, RI 02816

NCUA Insured3.7 (15 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1950

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Coventry, RI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1950

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

2006 NOOSENECK HILL ROAD

Coventry, RI 02816

Google Maps 🗺Waze

(401) 397-1900

Service Area

This credit union is located in Coventry and serves members in the RI area. Currently serving 22,117 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

5.46%

Used Auto Loan

6.45%

Personal Loan

16.12%

Credit Card APR

10.86%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in RI

Lowest rates currently reported by credit unions in RI (NCUA Q1 2026).

Westerly Community— New Auto Loan

Wakefield, RI

3.99%

Westerly Community— Used Auto Loan

Wakefield, RI

3.99%

Cranston Municipal Employees— Personal Loan

Cranston, RI

9.49%

Rhode Island— Credit Card APR

Warwick, RI

10.65%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Compare Rates in Coventry

See how OCEAN STATE stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Coventry →Best Personal Loan Rates in Coventry →Best Credit Card Rates in Coventry →All Credit Unions in Coventry →

Member Reviews

3.7

15 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Troy Costa

9 months ago

They love to charge overdraft fees!! I transferred the money to the account both times before the end of the day! They still charged me overdrafts! I have been a member for over 50 years! The person that does this is Diane ! She has no compassion!!☹️☹️☹️☹️

Misty

6 months ago

I like my bank very much. The only thing they put my money in my husband account saving instead of mine.

Scott B7

a year ago

Honestly I have to come here to drop deposits off and I hate it. The drive through service is absolutely the most miserable experience I've ever had. I come with max 3 small deposits and it takes them 20-30mins to complete them, the fact this recurringly happens is just a straight up miserable

flip guy

3 years ago

Deposited a large check on 2-16-2023. Been with them since many years. Check was from chase. os said 10 days to clear. I called and complained. Branch manager so he said 5 days to clear. I am leaving this bank. I cashed large checks before at big banks. 3 days cleared. Oceanstate cant deal with large checks. This bank is a joke. Stay away.

David Simonelli

6 years ago

Ocean State is a great credit union with a long history of reliable service and management. I have had great experience with the loan department for friendly and professional staff that is knowledgeable and customer satisfaction oriented. Always a pleasure to work with.