Ocean State Credit Union
Verified rate book
Current Ocean State Credit Union rates
47 published offers verified as of August 4, 2026.
Auto & vehicle rates
23 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 60-Month Auto Loan (2025–2026)auto_any_60mo | 6.250% APR | 6.250% | 60 mo | Standard |
| 24-Month Auto Loan (2019–2020)auto_any_24mo | 7.000% APR | 7.000% | 24 mo | Standard |
| 48-Month Auto Loan (2023–2024)auto_any_48mo | 7.000% APR | 7.000% | 48 mo | Standard |
| 36-Month Auto Loan (2021–2022)auto_any_36mo | 7.000% APR | 7.000% | 36 mo | Standard |
| 84-Month Used Boat Loanboat_used_84mo | 8.000% APR | 8.000% | 84 mo · used | Standard |
| 120-Month New Boat Loanboat_new_120mo | 8.000% APR | 8.000% | 120 mo · new | Standard |
| 180-Month New Boat Loanboat_new_180mo | 8.000% APR | 8.000% | 180 mo · new | Standard |
| 240-Month New Boat Loanboat_new_240mo | 8.000% APR | 8.000% | 240 mo · new | Standard |
| 84-Month New Boat Loanboat_new_84mo | 8.000% APR | 8.000% | 84 mo · new | Standard |
| 120-Month Used Boat Loanboat_used_120mo | 8.000% APR | 8.000% | 120 mo · used | Standard |
| 180-Month Used Boat Loanboat_used_180mo | 8.000% APR | 8.000% | 180 mo · used | Standard |
| New RV s (includes Motor Homes and Travel Trailers) (180 months)rv_new_180mo | 9.750% APR | 9.750% | 180 mo · new | Standard |
| New RV s (includes Motor Homes and Travel Trailers) (120 months)rv_new_120mo | 9.750% APR | 9.750% | 120 mo · new | Standard |
| New RV s (includes Motor Homes and Travel Trailers) (84 months)rv_new_84mo | 9.750% APR | 9.750% | 84 mo · new | Standard |
| Used RV s (includes Motor Homes and Travel Trailers) (120 Months)rv_used_120mo | 10.000% APR | 10.000% | 120 mo · used | Standard |
| Used RV s (includes Motor Homes and Travel Trailers) (84 Months)rv_used_84mo | 10.000% APR | 10.000% | 84 mo · used | Standard |
| Up to 36-Month New Auto Loanauto_new_36mo | 10.000% APR | 10.000% | 36 mo · new | Standard |
| Up to 60-Month New Auto Loanauto_new_60mo | 10.000% APR | 10.000% | 60 mo · new | Standard |
| Older Vehiclesauto_used_24mo | 10.000% APR | 10.000% | 24 mo · used | Standard |
| Up to 72-Month New Auto Loanauto_new_72mo | 15.000% APR | 15.000% | 72 mo · new | Standard |
| Up to 84-Month New Auto Loanauto_new_84mo | 15.000% APR | 15.000% | 84 mo · new | Standard |
| $50,001 and Higherauto_any_120mo | 20.000% APR | 10.000% | 120 mo | Standard |
| $25,000 And Lessauto_any_84mo | 20.000% APR | 10.000% | 84 mo | Standard |
HELOC rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Equity Loans (Closed End) (60 months)heloc | 6.750% APR | 6.750% | — | Standard |
| 5-Year Home Equity Loan (Fixed)heloc_fixed | 6.750% APR | 6.750% | — | Standard |
| 10-Year Home Equity Loan (Fixed)heloc_fixed | 7.000% APR | 7.000% | — | Standard |
| Equity Loans (Closed End) (120 months)heloc | 7.000% APR | 7.000% | — | Standard |
| Equity Loans (Closed End) (180 months)heloc | 7.250% APR | 7.250% | — | Standard |
| 15-Year Home Equity Loan (Fixed)heloc_fixed | 7.250% APR | 7.250% | — | Standard |
| 20-Year Home Equity Loan (Fixed)heloc_fixed | 7.500% APR | 7.500% | — | Standard |
| Equity Loans (Closed End) (240 months)heloc | 7.500% APR | 7.500% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 15.750% APR | 15.750% | 60 mo | Standard |
Savings & CD rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Tier 1savings | 1.50% APY | 1.49% | — | Standard |
| Tier 2savings | 1.70% APY | 1.69% | — | Standard |
| Tier 3savings | 1.90% APY | 1.88% | — | Standard |
| Pledged Installment Rates (Up to 60 months*)cd_60mo | 3.00% APY | 3.00% | 60 mo | Standard |
Other rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Ask us about the benefits of GAP Coverage… (Up to 60 months)other | 6.000% % | 6.000% | — | Standard |
| Ask us about the benefits of GAP Coverage… (Up to 36 Months)other | 6.250% % | 6.250% | — | Standard |
| 80% Maximum Loan to Valueother | 6.750% % | 6.750% | — | Standard |
| Ask us about the benefits of GAP Coverage… (Up to 72 months)other | 7.250% % | 7.250% | — | Standard |
| Ask us about the benefits of GAP Coverage… (Up to 84 months)other | 7.750% % | 7.750% | — | Standard |
| 100% Maximum Loan to Valueother | 7.750% % | 7.750% | — | Standard |
| Ask us about the benefits of GAP Coverage (240 months*)other | 8.000% % | 8.000% | — | Standard |
| Ask us about the benefits of GAP Coverage… (84 months)other | 9.750% % | 9.750% | — | Standard |
| Ask us about the benefits of GAP Coverage… (180 months)other | 9.750% % | 9.750% | — | Standard |
| Ask us about the benefits of GAP Coverage… (120 months)other | 9.750% % | 9.750% | — | Standard |
| Openother | 15.000% % | 15.000% | — | Standard |
Vehicle loans available from 6.25% APR for 60 months. HELOC rates from 6.75% APR. Personal loan rates from 15.75% APR. Savings and certificate yields up to 3.00% APY.
Source: RateAPI.dev, verified from Ocean State Credit Union's official website
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About Ocean State Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 22.1K
- Assets
- $351.3M
- Founded
- 1950
- Locations reported
- 7
- NCUA charter
- 66595
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Ocean State Credit Union
Membership eligibility from Ocean State Credit Union's own published criteria. How we verify this.
Membership criteria are published on Ocean State Credit Union's website. Check the membership page below to confirm whether you qualify.
Cost to join: About $5.
Verified from Ocean State Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Ocean State Credit Union offer?
Ocean State Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Ocean State Credit Union rates updated?
RateAPI verifies Ocean State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Ocean State Credit Union's rate data?
Rate data is collected directly from Ocean State Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Ocean State Credit Union's auto, rv & boat loan rates?
As of August 4, 2026, Ocean State Credit Union offers vehicle loans from 6.25% APR.
What is Ocean State Credit Union's HELOC rate?
As of August 4, 2026, Ocean State Credit Union offers home equity lines of credit from 6.75% APR.
What is Ocean State Credit Union's personal loan rate?
As of August 4, 2026, Ocean State Credit Union offers personal loans from 15.75% APR.
What is Ocean State Credit Union's best CD rate?
As of August 4, 2026, Ocean State Credit Union offers savings and certificate (CD) yields up to 3.00% APY.
Related Rate Data
Compare Ocean State Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
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# Get rates for Ocean State Credit Union
curl "https://api.rateapi.dev/credit-unions/rhode-island/ocean-state" \
-H "Authorization: Bearer YOUR_API_KEY"