Welcome to Coventry Credit Union

Choose the account that is right for you and start earning cash back on your qualifying purchases using your Coventry Credit Union Visa® Debit Check Card!

FEATURES/BENEFITS	Membership Personal	Membership Plus	Student CheckMate (Students age 18-24, under 18 must have a parent/guardian co-maker)
Minimum Balance	No fee if a daily minimum balance of $400.01 is maintained	None	None
Monthly Service Charge	Daily balance of $.01 to $200.00: $5.00 monthly fee Daily balance of $200.01 to $400.00: $4.00 monthly fee	None - with the use of the CCU Visa® Debit Check Card	None - with the use of the CCU Visa® Debit Check Card
Visa® Debit Check Card	No	Yes	Yes
Visa® Debit Cash Back Rewards	No	Yes	Yes
MemberNet Online Banking with Bill Pay	Yes	Yes	Yes
Unlimited Check Writing	Yes	Yes	Yes
FREE ATM Transactions	Yes - utilizing the Credit Union Connection, NYCE®, MoneyPass® and Cirrus® networks (you may be assessed an additional fee or surcharge by the ATM owner).
$50.00 FREE* "Switch Your Account"	Yes	Yes	No
$20.00** "Refer a Friend"	Yes	Yes	Yes
FREE First 50 Checks	Yes	Yes	Yes
FREE Incoming Wires	No	No	Yes
FREE Statement Tracking Binder	Yes	Yes	Yes
FREE Money Orders & Cashiers Checks	No	No	Yes
Discount of ¼% on Loan Rates	Yes - with direct autopay from any CCU Account	Yes - with direct autopay from any CCU Account	No
Online E-Statements with Checking Imaging Available (must enroll in Online E-Statements)	Yes	Yes	Yes
Overdraft Privilege - Covers up to $500 in the event of overdraft. Returned Checks and Visa® Check Card transactions will be honored up to that amount. $25.00 fee per transaction. You must "opt in" to Overdraft Privilege program so your Visa® Check Card transactions are honored.	Yes	Yes	Yes
Linked Overdraft Protection - Overdraft Protection Linked to your Statement Savings Account. Check and Visa® Check Card transactions will be honored up to the amount in your Statement Savings Account. $4.00 fee per transaction.	Yes (with a Statement Savings Account)	Yes (with a Statement Savings Account)	Yes (with a Statement Savings Account)
Overdraft Line of Credit - The Overdraft Line of Credit is available up to the amount of $1,000. Overdraft Line is dependent upon credit pre-qualification through our Consumer Loan Application. A fee of 15% Interest rate is applicable while in use.	Yes	Yes	Yes
* "Switch" Restrictions: The Account must remain open for at least 90 days and Direct Deposit is required. This offer is subject to change without notice. Funds will be deposited in the Share Account. "Refer a Friend"**: to open a CCU Checking Account and receive $20.00 deposited to your Share Account. This offer is subject to change without notice. NOTE: Student CheckMate Account - after age 24, Student CheckMate Account in good standing will transfer to a Membership Plus Checking Account.

TALK ABOUT EASY MONEY! Every time you make a qualified signature-based purchase using your Coventry Credit Union Visa® Debit Check Card, you’ll earn a cash reward based on the purchase total. To download a PDF version of the Cash Back Rewards program, please click here.

If you don’t have a Coventry Credit Union Checking Account and Visa® Debit Check Card, simply call or stop by your local branch. We’ll handle all the details for you….and start earning money while you spend money!

If you have a Coventry Credit Union Visa® Debit Check Card, you are already enrolled….so start putting cash in YOUR pocket!

THAT’S ONE POWERFUL CARD! DebitPass® The Prepaid Debit Card.

It is Flexible……

Load the prepaid DebitPass card with cash, transfer money from another account, or via payroll direct deposit. Re-load as you go!
DebitPass has no monthly, annual or minimum balance fees; no overdraft or PIN Debit fees; no finance charges.
No charge to check your balance via the internet.
No credit history or check required.

It is Convenient and Safe…

DebitPass is accepted wherever MasterCard® Debit cards are accepted.
Get cash at virtually any ATM in the world; surcharge-free at any MoneyPass® ATM.*
Buy in person, by phone or by mail; shop online, transfer money and pay bills.
If your DebitPass is stolen or lost, it can be replaced and your balance restored.

*other fees may apply for ATM withdrawals or balance inquires.

Coventry Credit Union is also a member of the Credit Union Connection which offers no fee use of all participating Credit Union ATM Machines. Click here for a list of Credit Union Connection Locations.

Coventry Credit Union VISA® Check Card

A Coventry Credit Union Visa® Check Card, is a debit card that works like a check, only better. When you make purchases, the amount is deducted directly from your checking account.

Just use your Visa® Check Card when you are ready to pay. It works fast, so there's no need to write checks or fumble for change. Plus, you'll save on trips to the ATM and can leave your checkbook at home. The Visa® Check Card is accepted everywhere that Visa® is accepted.

How does it work?

Debit card transactions are automatically deducted from your checking account and typically posted within 24 hours of your purchase. So you can check your updated balance and transaction record on MemberNet at www.coventrycu.org or dial the touchtone teller at 1-800-822-8077.

There are no fees when you use your Visa® Check Card for purchases or when you use your card of point of sale purchases that require you to enter your Personal Identification Number (PIN), rather than signing a receipt. Overdraft protection is also available.

Security and Account Tracking

When you sign for your purchases, your money comes directly from your checking account, but you also get security protections that help prevent, detect and resolve fraud. In addition, every month you'll also receive a checking account statement that details your purchases, including merchant name, location, date and amount. So it's easy to see where your money goes.

ATM Access

The Visa® Check Card also offers convenient, 24-hour access to your Coventry Credit Union accounts at thousands of ATM machines that are part of the MoneyPass®, NYCE® and Cirrus® networks (applicable fees may apply).

TO REPORT A LOST OR STOLEN DEBIT CARD, PLEASE CALL 1-800-264-5578

Internet banking at your service. You're just a click away from MEMBER NET, a free 24 hour online banking service. It's secure, easy to use and instantly accessible from any computer, whenever you want to perform a banking transaction day or night.

Member Net Services include:

Transactions posted immediately

Balance Information

Savings, checking and loan history

Fund Transfers

Bill Payment Service

Microsoft Money and Quicken interactive
Stock Quotes
Schedule transfers
Nickname your account
PIN encryption and server secure
24/7 availability
Withdrawals by check
Verify if your checks have cleared
Direct e-mail access to CCU

Sign up Today

What is Touch Tone Teller?

Touch Tone Teller was designed for YOU to do your transactions by phone, privately and conveniently from your home, office or travel location. Although the Credit Union staff is always pleased to personally assist members during business hours, we encourage you to use this unique service at any time of day or evening, and even on weekends. (401) 397-8021 (toll free 1-800-822-8077 within Rhode Island)

What Can I Do with Touch-Tone Teller

Saving Inquiries, including checking

Loan inquiries - Including: audio reports of current balance, payoff amount, next payment amount and due date

Certificate Inquiries - Including: audio reports of current balance, interest rate, maturity date, and YTD dividends

Savings to Savings Transfers

Savings to Loan Transfers

Savings, Loan and Certificate Rate Inquires

Deposit Information - Including: audio reports of last 5 deposits, last deposit and last payroll deposit

Transaction Information - Including: audio reports of checks cleared, last checking withdrawal, last 5 checking withdrawals, checks that have not cleared, checking inquiry by number, check inquiry by amount, last transaction, last 5 withdrawals and last withdrawal

Prior Year Tax Inquiry

Change Audio PIN

Savings Withdrawal - Check will be mailed

Branch Hours and Locations

Share Account:

MEMBERSHIP REQUIRES MAINTAINING A SHARE ACCOUNT.

$5.00 minimum to open account and $10.00 to earn interest

Dividends are compounded and paid quarterly

Unlimited transactions

No monthly service charges

No ATM Card

Touch Tone Teller access

Statement Savings

$5.00 minimum to open account and earn interest

Interest compounded monthly and paid monthly

ATM card available*
FREE Unlimited ATM transactions at CCU locations, $1.00 per transaction at Non-CCU ATMs *

Free unlimited access at any participating CREDIT UNION Connection ATM
Touch-Tone Teller access available

*You may be assessed an additional fee or surcharge fee by the ATM owner

$2500.00 minimum to open account and earn interest

Interest is compounded monthly and paid monthly

No monthly service charge

Touch Tone Teller access

Coventry Credit Union offers a variety of savings certificates to meet your financial needs. The minimum balance for a 6-month CD to a 3-year CD is $1000.00. The minimum balance for a 4-year CD to a 7-year CD is $5000.00. All certificates are subject to penalties for early withdrawals or closeouts. See current rates or stop by one of our convenient locations for details.

Coventry Credit Union also offers IRA accounts to meet your specific needs. You may choose either a Traditional IRA with tax deferred earnings, a Roth IRA allowing contributions after age 70 ½, or an Education IRA to help pay for your child's higher education expenses. Please contact one of our IRA Specialists for more information.

Holiday and Vacation Club Accounts earn a BONUS WEEK in lieu of interest.
50 equal deposits are required to earn the BONUS WEEK.
You must be a Member of Coventry Credit Union with a Share Account.
Withdrawals on the Holiday or Vacation Club Accounts are not allowed.
At the end of the Holiday or Vacation Club Account, your funds and BONUS WEEK (if applicable), will be deposited into your CCU Share Account.

Visit or call your local branch and speak to a Member Service Representative to enroll in a Coventry Credit Union Holiday or Vacation Club Account.

For most people, a home is the most expensive purchase you will ever make. That is why choosing the right mortgage is almost as important as finding the right home.

At Coventry Credit Union, we offer you a personalized service, which you will not find at those large banks and mortgage companies. At Coventry Credit Union, we offer you a simple variety of mortgage choices without the confusion. We also pride ourselves in being flexible to meet the needs of our members. Our variety of products will offer you options you may have felt you did not have.

Our product offerings include:

Competitive Rates
15, 20 and 30-year mortgage options
80% cash-out refinances
Low closing costs
FHA and VA Loans
USDA Guaranteed Rural Housing Loans
Rhode Island Housing Mortgages

Contact Denise Warburton at 401-392-2363 for a FREE prequalification appointment.

Home Equity Line of Credit

Whether funding a college education, making home improvements, taking a vacation of a lifetime or consolidating debt, Coventry Credit Union's Home Equity Line of Credit puts it all within your reach. We offer:

Financing up to 70% value of residence
Prime rate with no closing costs
Fast turn around and friendly service

Closed End Equity Loan

Fixed Rate Term Loans are offered
Financing up to 70% value of residence

Select Current Rates for a listing of current rates and terms that are available.

If you have questions about your current Mortgage or Equity Loan please click on the banner below and follow instructions.

Click here for your existing mortgage or equity loan information

Personal Loans

Competitive rates*
Maximum Term 36 months

*Rates subject to change at any time. Rate based on prior credit history.

Auto and Consumer Loans
You'll find that our rates and terms help meet your goals and keep your payments affordable. We offer new and used auto loans with flexible terms and competitive rates. We will even pre-approve you before you go shopping!

Our product offerings include:

New & Used Car Financing
Personal Loans
Boats & Recreational Vehicles
VISA CLASSIC, VISA GOLD, & VISA PLATINUM
First Mortgage Real Estate Loans
Home Equity Loans & Lines of Credit
Student Loans

The Sallie Mae Smart Option Student Loan® can provide the money you need if you still have a gap after scholarships, grants, and federal aid. With the Smart Option Student Loan®, you can significantly reduce your total loan cost and free yourself from student loan debt faster.

The Smart Option Student Loan® is designed to help shorten the amount of time it takes you to pay off the loan and avoid capitalized interest, the Smart Option Loan® requires interest-only payments while you are in school. This means you can save significantly by selecting the smartest student loan.

Applying is quick and easy. Twenty minutes should be all the time you need to complete the application and you could have your credit decision in a short amount of time.

Pay a little now, save a lot later.
Select the Smart Option Student Loan® today.

Please click here to start the online application process.

Buying your next car , click here for exciting deals on wheels

Select Current Rates for a listing of current rates and terms that are available.
Select Loan Calculator
Select Loan Application and apply today

Coventry Credit Union VISA Card

We offer a variety of credit cards to meet your needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. Click the link below to learn more and apply online.

Learn More and Apply now

Online account access provides the quickest and easiest way to:

Activate your credit card
Make payments
View Statements
And much more

Once you receive your credit card, simply access your account by clicking on the link below.
Click here to access your account and credit card services.

Privacy Statement

Your Rights and Our Obligations Under the Law. The attached Privacy Policy informs you of what we do to protect your information and also some steps you can take to protect your personal and financial information. Please click to review the entire Coventry Credit Union Privacy Policy.

Funds Availability Policy

Your Rights and Our Obligations Under the Law. The attached Funds Availability Policy informs you of recent changes to our funds availability policy. Please click to review the entire Funds Availability Policy.