Wave Federal Credit Union, located at 480 Greenwich Ave, Warwick, Rhode Island, is a member-owned financial cooperative that operates as a not-for-profit organization guided by the principle of serving its members. Established to provide accessible financial services, the institution emphasizes democratic governance, with members holding equity and voting rights in annual meetings. Its core mission centers on supporting the financial well-being of individuals who share common community ties, rather than maximizing profits for outside shareholders.
Historically, Wave Federal Credit Union evolved from a cooperative model that sought to pool resources for affordable financial products. The organization offers a range of basic and routine banking services designed to meet everyday financial needs, including deposit accounts and payments processing. Its operational scope encompasses local members within the Rhode Island region, with services structured to promote financial inclusion and stability through a cooperative framework that prioritizes member interests and community stewardship.
Better than 62% of providers in Warwick
In addition to the primary service, Wave Federal Credit Union also offers:
Other providers in Warwick with similar ratings:
Wave Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Wave Federal Credit Union is listed as a financial service provider in Warwick, RI and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Wave Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Wave Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Wave Federal Credit Union with other providers in Warwick and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Wave Federal Credit Union has a rating of 4.1, which is better than 62% of providers in Warwick.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Wave Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Wave Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Wave Federal Credit Union also offers: Federal credit union, ATM, Bank, Business banking service, Credit union, Mortgage lender.