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Coastal1

1200 Central Ave, Pawtucket, RI 02861
NCUA Insured3.3 (284 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1926

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

Location & Directions

Address

1200 Central Ave

Pawtucket, RI 02861

Service Area

This credit union is located in Pawtucket and serves members in the RI area. Currently serving 145,616 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

Q4 2025 · NCUA

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

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.22%

Used Auto Loan

7.31%

Personal Loan

10.49%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect 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 Q4 2025).

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

Branches & Locations(19 total)

Member Reviews

3.3

284 Google reviews

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

View on Google Maps
MJI

MJI

5 months ago

I wish i could give this business a Zero Star rating! The people in the call center have no clue how to conduct business. First, if you have a spare 15 minutes in your life, to wait for a person to actually pick up the phone... I have a car loan with them. I have had to call them 3 times to fix the spelling of my name. 2x to have them fix my email address. My online user name and PW to their site was never working. This business is a dumpster fire!

Friday

Friday

4 months ago

I truly can’t wait to leave this place and move all my accounts. I am far from perfect with things but I do expect some response back when I ask a question and not to be ignored. A simply yes or no with an explanation, but to ignore my follow up question is ridiculous. Customer service is below par and quite frankly they only care about themselves and not the customer. Don’t waste your hard earned money here. I find it funny too they only comment on 5 star reviews. Just shows they do not want to improve. Nor do they care about the people they hurt or disregard

J O

J O

4 months ago

They act like a bank more than a credit union. Not community friendly. Not customer friendly. Nickel and dime you over stupid things. They will not take coins anymore. You have to use there coin counting machine and then they charge you. If you are looking for a credit union choose Navigant, they have more value and appreciation for their customers.

Nichole Alexander

Nichole Alexander

5 months ago

Do NOT get an auto loan through this company!! They charge you $10 to make any payment on your loan. If you get behind (from being evaluated by oncology at Christmas season). Being told they won't accept less than 2 months payment!! And won't let you make any partial payments to try and make up any amount and try to get back on track.!!.Stephen in the collections dept " because its Christmas week, we won't be doing repos .BUt unless you get 2 months payment to us by the 31st." We will repo", even without a clear certified letter in the mail stating such!!. To be put in this position!! When I paid this loan on time for 2 year plus! Fell ill and they can't be lenient or understand someone with a clear medical issue!! This gentleman screamed at me for saying I would report them to the BBB!! I would NEVER recommend them!! The car dealership uses them, because they will approve a loan for higher than the value of the vehicle that you are purchasing !! THEY TOOK ADVANTAGES OF A women purchasing her 1st new car! My last loan was at 5.99 % interest! Yet this company tagged an 8 year loan. At 11.9 % interest!! 3 years in.. upside down by $10,000. I will never get out of this loan!! I am trapped to where I cant trade the vehicle in because no other company will approve a loan that much over the value of the vehicle!! This company shuffles you between depts. If u skip a payment, you have to pay an $80 fee.. plus $10 for any processed payment!! It is impossible to get caught up or ever be free of a loan with them!! You will be trapped dealing with their collections dept, who can't provide clear documents of all payments paid. Still waiting 6 months later to get that buyer beware!! They may approve the loan whenever other banks wont!! But please don't get trapped like I did!!

Timothy James

Timothy James

6 months ago

Meredith was excellent with my auto refinance! She thoroughly explained the process, helped me get a better rate, and lowered my payments with ease! I am looking forward to a long term banking relationship with this branch! Thank you for all your help Meredith!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).