Wave

480 GREENWICH AVE, Warwick, RI 02886

NCUA Insured4.2 (33 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1938

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 Warwick, 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

1 charter

Established in 1938

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

480 GREENWICH AVE

Warwick, RI 02886

Google Maps 🗺Waze

(401) 781-1020

Service Area

This credit union is located in Warwick and serves members in the RI area. Currently serving 6,849 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

5.99%

Used Auto Loan

6.29%

Personal Loan

9.99%

Credit Card APR

11.99%

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).

Blackstone River— New Auto Loan

Woonsocket, RI

4.12%

Blackstone River— Used Auto Loan

Woonsocket, RI

4.86%

Postal Employees Regional— Personal Loan

Pawtucket, RI

8.99%

Ocean State— Credit Card APR

Coventry, RI

10.29%

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

Branches & Locations(3 total)

Member Reviews

4.2

33 Google reviews

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

View on Google Maps

Ray Trainor

3 months ago

March 2, 2026 I could not get into my Wave Federal credit union app. I got in touch with Wave and spoke with Erica who assured me i would be all set because it looked Like the website was down. I spoke to her a couple of times during the day and she assured me each time that it will be back up soon. This was important to me as I am living in Florida for the winter and doing my my banking from here. As she promised, the website was up by at the end of the day, and I was back in business

William Depa

9 months ago

Terrible attitude and follow up for a heloc. You should improve your customer interaction and remember a customer is not bothering you looking for a heloc.. your competitor had no issue with this 850 fico.

Alanna M

2 years ago

I have had an auto loan for 4 years with Wave and just paid it off, I have zero complaints! Huge shout out to Erika K in Customer Service who has processed my payments every month, she is wonderful and deserves a raise!! Thank you!!

Kristin Sanford

3 years ago

I wish I could give them zero stars. This is a bank with garbage customer service, incredibly archaic software systems, and the employees/team members there might as well be living in the dark ages in terms of education. Where do they find that uneducated of employees! Then let's talk about customer device. Incredibly rude. When you ask for services ANY OTHER bank provides they think you have three heads for asking. They don't even use full amount on numbers in their account numbers and refuse to provide routing numbers to transfer money in. I'm appalled at what a terrible place this is. They can't possibles understand why someone would want to process transactions online. DO NOT SUPPORT THIS SEVERELY UNEDUCATED poor excuse for a business. They are lucky they began with the clients of a large corporation who incentives their employees to go here. If they didn't they would have zero existing clients since they can't attract any new ones. Impressive.

Francis Pacheco III

2 years ago

Wonderful Staff! And Very Inviting. Like family... I found that they really take the time to listen to you ...They approved me for a moderate loan. To help with a few debts. And gave me the opportunity to build a solid foundation with them. Definitely Recommend this Credit Union!