Pawtucket Credit Union


Updated: September 7, 2019


Pawtucket Credit Union

Pawtucket Credit Union appears to be an American credit union, which serves customers on the Rhode Island. Currently, this is one of the largest credit unions in New England. On this page, you can find out all sorts of information about Pawtucket CU, including its routing number, phone number, mailing address, bank accounts and credit cards offered by it. At the end of this page, you can find out about Pawtucket Credit Union online banking.

Routing Number & Other Info

Headquarters: Pawtucket, Rhode Island

Website: Open URL

Mobile AppsAndroid and iOS

Routing Number: 211590260

SWIFT Code: None

Phone Number: (401) 722 22 12

Main Office: 1200 Central Ave, Pawtucket, RI 02861-2200

Locations: 15 branches

ATM & Branch LocatorOpen Locator


Credit Cards

When it comes to the Pawtucket CU credit cards, the choice is really impressive. At the present time, this credit union offers 6 credit cards. That is actually the reason why we will make credit card reviews short in this section.

Visa Platinum Card

Annual fee: $0.

Purchase APR: from 13.99% to 22.99% (based on your creditworthiness).

Recommended credit score: from 680 to 850.

Best for: balance transfers.

Credit card features:

Apply Here

As a matter of fact, this is the most basic credit card this credit union can offer. Yet, this credit card is good for certain purposes and, as you may notice, requires a pretty high credit score. Let’s consider the details of this credit union in this review.

Basically, we recommend you to get this credit card only if you are going to make a big purchase or you need to make a balance transfer – in that case, a 15-month long intro APR period will definitely help. Keep in mind that if you decide to make a balance transfer, the balance transfer fee (of 3% or $5) is still applicable. Besides, this card comes with typical Visa card features, which is an advantage.


Visa Signature Real Rewards Card

Annual fee: $0.

Purchase APR: from 15.99% to 24.99% (based on your creditworthiness).

Recommended credit score: from 680 to 850.

Best for: everyday spending.

Credit card features:

Apply Here

In fact, this is a credit card that offers quite decent rewards – you will receive 1.5% cash back on your purchases, which is the market’s average. Additionally, you will earn 2,500 points (equal to $25) after making your first purchase. At the time of writing this article, the initial first-purchase bonus was raised till $100 (effective until November 30, 2019).

On top of that, you will also get to enjoy a 6-month long intro APR period on both balance transfers and purchases. After it expires, however, you will have to pay a pretty hefty interest. Therefore, we recommend you to stay in the grace period.


Visa College Real Rewards Card

Annual fee: $0.

Purchase APR: from 15.99% to 24.99% (based on your creditworthiness).

Recommended credit score: from 600 to 850.

Best for: everyday spending, credit history building.

Credit card features:

Apply Here

Actually, this credit card is quite similar to the Visa Signature Real Rewards. It also comes with a zero annual fee, equal APR, and bonuses. The only difference is that this credit card is designed for those customers who only start their financial life. So, if you have little or no credit history, you are encouraged to get this credit card.

While the reward rate is definitely not bad, there is a snag. Unlike the Visa Signature Real Rewards, this credit card grants you only 2,500 points after making your first purchase. Then, those points can be redeemed towards cash back, merchandise, gift cards, or travel savings.


Cash Rewards AmEx Card

Annual fee: $0.

Purchase APR: from 15.99% to 24.99% (based on your creditworthiness).

Recommended credit score: from 680 to 850.

Best for: category spending.

Credit card features:

Apply Here

Obviously, this is an outstanding credit card for those customers who do really spend a lot on everyday categories (such as gas and supermarkets). Considering that you will get 3% cash back at gas stations for the first $6,000 spent in a year, you may potentially get $180 in cash back only from this category.

 If, however, you don’t spend a lot at supermarkets and gas stations, then this credit card might look quite bleak for you. Also, it is worth to note that the first-purchase bonus remains quite low and stands at $25 – that is far below the bonuses of $100-$200, offered by top-tier credit cards. Hopefully, though, the additional AmEx features (such as extended warranty and rental car insurance) spices this card up a bit.


Premier Rewards AmEx Card

Annual fee: $0 first year, $99 every next year.

Purchase APR: from 15.99% to 24.99% (based on your creditworthiness).

Recommended credit score: from 680 to 850.

Best for: restaurant and travel spending.

Credit card features:

Apply Here

This is just another amazing credit card from AmEx, and you should definitely consider getting this credit card. Indeed, it comes with an annual fee of $99 (waived during the first year). On the other hand, it will definitely be paid off if you spend at least $2,500 per year at restaurants. All the other cash back you will earn is yours.

It is also worth to note that, unlike the previous AmEx credit card, this card provides you with a decent sign-up bonus of $100. However, we don’t recommend you to get this card as long as you are not sure about spending $1,000 within the first 3 months. All in all, this is a great credit card for dining and travel, but can be used for everyday spending, too.


Visa Secured Card

Annual fee: $35.

Purchase APR: 22.99%.

Recommended credit score: from 350 to 679.

Best for: credit building.

Credit card features:

Apply Here

Even if you have a poor credit history, we still think that there are better credit cards on the market for re-building credit. For instance, Discover and Capital One offer far better credit card for this purpose, and those cards typically come with at least meager cash back rewards and no annual fee. So, that’s definitely not a great credit card for credit building.


Bank Accounts & CDs

Here, we will disclose both checking and savings accounts that are available at Pawtucket Credit Union. Also, you can find out about the certificates of deposit, too.

Pawtucket CU Checking Accounts

Simple Checking:

  • $4.95 monthly fee
  • $25 minimum opening deposit
  • No interest
  • Free unlimited check writing
  • No minimum balance
  • Free ATM/debit card
  • No free use at foreign ATMs
  • Direct deposit is not required.

Spectrum Checking:

  • No monthly fee if the balance of at least $12 is maintained
  • $25 minimum opening deposit
  • No interest
  • Free unlimited check writing
  • Minimum balance required: $1,000 average daily in checking or $5,000 average daily in combination with PCU deposits, loans and mortgage accounts
  • Free ATM/debit card
  • Free withdrawals at foreign ATMs (special conditions apply)
  • Direct deposit is not required.

Direct Plus Checking:

  • No monthly fee if the balance of at least $10 is maintained
  • $25 minimum opening deposit
  • Interest on your funds
  • Free unlimited check writing
  • No minimum balance required
  • Free ATM/debit card
  • Free unlimited withdrawals at foreign ATMs
  • Direct deposit is required.

Debit Card Checking:

  • No monthly fee if the balance of at least $10/$12 is maintained
  • $25 minimum opening deposit
  • Interest on your funds
  • Free unlimited check writing
  • No minimum balance required
  • Free ATM/debit card
  • Free unlimited withdrawals at foreign ATMs
  • Direct deposit is required.

Pawtucket CU Savings Accounts & CDs

Certificates of Deposit:

  • Guaranteed fixed rate savings
  • Terms from 3 months to 60 months
  • Minimum opening deposit of $1,000
  • Higher interest rates than with savings accounts.

Statement Savings Accounts:

  • Debit card for ATM withdrawals
  • Minimum opening deposit of $5
  • Interest credited monthly
  • Low interest (compared with CDs and other options).

IRAs:

  • Different types of IRA accounts available: Traditional, Education and Roth.
  • Minimum opening deposit of $25
  • IRA CDs require a minimum deposit of $500
  • High yields.

Money Market Accounts:

  • The highest interest rates on your savings
  • Easy on-demand access to your funds
  • Interest credited on a monthly basis.

Pawtucket Credit Union Locations Near Me

As you could read on this page right above, there are currently 15 Pawtucket Credit Union branches – all of them are located in the state of Rhode Island. Actually, these are the cities and towns where you an find Pawtucket Credit Union locations:

  • Pawtucket (Rhode Island): 4
  • Cranston (Rhode Island): 2
  • Cumberland (Rhode Island): 1
  • East Greenwich (Rhode Island): 1
  • East Providence (Rhode Island): 1
  • North Kingstown (Rhode Island): 1
  • North Providence (Rhode Island): 1
  • Rumford (Rhode Island): 1
  • Smithfield (Rhode Island): 1
  • Warwick (Rhode Island): 2.

So, if you live in any of those cities/towns or somewhere around them, you can definitely become a customer of the PCU – it will definitely be convenient for you! In that case, this map will display the nearest Pawtucket Credit Union locations near me:


Pawtucket Credit Union Online Login

In fact, you are able to access your bank account with this credit union anytime. For that, you must be a member of Pawtucket CU and be registered in its online banking system. Then, you can make a login in a fairly quick way and access your bank account 24/7.

This is how you can sign in to your online banking account with this credit union:

  • In the first place, you should access the website of the Patwucket Credit Union by going to the following URL: https://pcu.org/.

Pawtucket Credit Union Login

  • Once you have accessed that website, you will notice the website menu at the top. Right beneath it, you will get to see a yellow field – you have to click on the “Online Banking” option there.

Pawtucket Credit Union online banking login

  • Right after that, you will be redirected to the page with the Pawtucket Credit Union online login form (you can see it on the page’s left side). So, that’s the place where you can actually sign in to your online banking account.
  • At first, you have to enter the login ID of your account in the first field of the form.

Pawtucket Credit Union sign in

  • Next, you should enter the password of your online banking account in the next field.
  • Once you are done with that, you can finalize the login procedure by clicking on “Login.”

Pawtucket Credit Union online banking sign in

  • If you have provided correct details, you will access your online banking account in a matter of seconds.

Enroll in the Online Banking

In case you haven’t signed up for Pawtucket Credit Union online banking yet, you can register your account for this purpose pretty quickly and easily. In fact, the entire process should take somewhere between 5 and 10 minutes. Yet, keep in mind that you need to know all the details about your bank account.

You can register your online banking account with this credit union by following these instructions:

  • First of all, you have to go to this credit union’s website: https://pcu.org/.

Apply for Pawtucket Credit Union

  • After you have entered the website of this credit union, you will get to see the “Online Banking” option in the right-upper part of the page. So, just click on that option and proceed further.
  • Then, the next page will display the Pawtucket Credit Union online login form to you – you can see it on the left. Instead of using that form to access an online banking account, you have to click on the “Enroll Here” text button (placed beneath the “Password” field).

Sign up for Pawtucket Credit Union online banking

  • Next, you will get to see the enrollment form – you need to fill it out in order to register your online banking account. So, you must provide the following information: the login ID you would like to have, your last name, date of birth, social security number, and mother’s maiden name. Once you are done with filling out that form, click on the “Submit Enrollment” button.

Pawtucket Credit Union locations

  • If you have provided the details correctly, you will get to see a notification, saying that you have signed up for online banking. Then, you will be mailed the password and other details for the Pawtucket CU online banking.

Pawtucket Credit Union near me

  • After you will obtain the password of your online banking account, you will be able to access your bank account online. For more detailed instructions, see the section above.

Recover Password

If you are not able to sign in to your online banking account because of the lost password, you can fix this matter. Actually, this credit union allows you to recover your password within minutes. Nonetheless, keep in mind that you must have access to your email address and/or phone number, linked to the account.

You are able to recover your Pawtucket online banking password by sticking to these guidelines:

  • So, you can start the entire recovery process by entering the website of the Pawtucket Credit Union: https://pcu.org/.

Pawtucket Credit Union routing number

  • On that website, you will get to see the website’s menu at the top. Right beneath it (to the right side), you have to click on the “Online Banking” option.
  • Then, you will get to see the page with the online login form, placed on the left side. At that point, you should click on the “Forgot Password” text button in that form.

Pawtucket Credit Union review

  • On the next page, you will be able to start the recovery process. For that purpose, you should enter the login ID of your online banking account. Then, click on the “Submit” button.
  • After doing that, you will get to see a secret question on that next page. Answer that question correctly and click on “Submit.”

Recover Pawtucket CU account

  • If you have entered the correct answer, you will be able to recover the password. Then, you should select an option how you would like to receive it: via the email address or phone number. After that, click on “Submit.”
  • After doing so, you will receive a temporary password on your email address or phone number. Now, you can use the temporary password and your login ID for accessing your online banking account (see the guidelines above).

Recover Pawtucket CU online banking password

  • Once you have accessed your bank account online, you will be able to change the temporary password for a new one.

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