Annual Fees
100
Member Services
0 Hour
Lowest Possible APR*
0 %

*Annual Percentage Rate

Sign up for a OSCU Visa® Credit Card, get 0% APR for your first 6 months.

This is an area of the site where we would be able to highlight seasonal promotions, that get more account signups and potential for new customers who are looking for deals/discounts.

*Credit card applications are reviewed for creditworthiness to determine if a card will be issued, and if so, which type of card will be issued.

Checking, Saving, & Credit Options

Debit Cards & Online Banking

Customized Checking

Open an Ocean State Credit Union Checking Account today! All our accounts have a Visa® Debit Card option.

Personal & Business Savings

Savings Accounts

Start planning for the future with our savings options. Youth accounts, shared statement, and club plans offered with Ocean State Credit Union.

Get An OSCU Visa® Card Today

Visa® Credit Cards

Enjoy our reward program, low APRs, & 24 hour dedicated support. Get alerted for malicious activity & transfer balances easily.

Full Service Lending Options

Ocean State Credit Union provides Rhode Island Housing products, including programs for first-time homebuyers. We offer assistance with down payments and closing costs, as well as 100% financing for qualified buyers. For more information, please contact our Mortgage Loan Originator, Tom Carroll, at 401-397-1900 ext. 2362.

Mortgages

Ocean State Credit Union is a full-service mortgage lender with an experienced staff offering expertise in every area of mortgage lending.

Home Equity

Whether funding a college education, making home improvements, taking a vacation of a lifetime or consolidating debt, Ocean State Credit Union’s Home Equity Line of Credit puts it all within your reach.

Personal Loans

OSCU Personal Loans provide a beneficial means to consolidate debts and fund significant purchases.

Auto Loans

Whether you are in the market for a new or pre-owned vehicle, we can provide you with a car loan package that meets your specific needs.

Student Loans

Now you can pay for college the smart way with three great repayment options and competitive interest rates! An ideal solution to help you pay for college expenses.

Giving You The Tools To Be Successful

Free Financing Calculators

Ocean State Credit Union offers multiple calculators to help you figure out your next big life decisions. Refinancing your home, paying off interest, and planning for the future has never been easier.

Local Branch Support

With 6 local branches in Rhode Island, we have dedicated professionals on staff that are waiting to help you with all your financial needs. With a newly opened branch in the center of Providence, stop on by for the best service in town.

Easy To Use App

Take OSCU on the go, manage funds, transfers, and payments all from your phone. Available for both Apple IOS and Android devices.