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Contact Wave FCU

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Main Office

480 Greenwich Avenue
Warwick, RI 02886
PH: (401) 781-1020
FX: (401) 562-1290
TF: 1-888-492-8328

Warwick Avenue Office

1217 Warwick Avenue
Warwick, RI 02888
PH: (401) 463-9574
FX: (401) 463-5161
TF: 1-888-492-8328

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Retirement Seminar

Educational Seminar


Financial Planning Seminar

Wednesday, November 13th, 2019
@ 5:00 P.M.


 Presented by
IFP

Marco A. Moretti III, CLTC, CRPC®
Integrated Financial Partners

 
Get expert advice from trusted industry professionals to help you navigate financial planning.

There will be no charge for the seminar, however reservations are requested so we ensure we can accommodate all of our guests. SPOTS FILL UP FAST – to register for this event simply call us at 401-781-1020 or fill out the form to the right.

 
Insurance products offered through LPL Financial or its licensed affiliates. Wave Credit Union is not a registered broker/dealer and is not affiliated with LPL Financial. Securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through Integrated Financial Partners, a registered investment advisor and separate entity from LPL Financial. Chartered Retirement Planning Counselor (CRPC) conferred by College for Financial Planning.
Not NCUA Insured |Not Credit UnionGuaranteed | May Lose Value

Wave FCU Home Page

Maintainance NoticeIMPORTANT COVID-19 (CORONAVIRUS) INFORMATION

We are open for business. Per the statewide effort to slow the spread of COVID – 19, our lobby access will be limited to appointment only for everyone’s safety. We know these are stressful times for everyone and we are here to help you. The situation will be reevaluated when the state provides updated guidance. Continue Reading...

Important News

Wave FCU will be holding its
annual meeting on
January 27, 2020 at 5:30pm.

The meeting will be held at the
Wave Main Office located at:
480 Greenwich Ave,
Warwick, RI 02886.

  • 'Tis the season for giving

    Lets help the families of
    West Bay Community Action

    'Tis the season for giving

    November 18th - December 10th

    Learn More

  • What could you do?

    With rates this Low
    Let your home work for you

    What could you do?

    Do More with Wave!

    Learn More

  • Optimizer / Accelorator Loan

    With Wave's Low Rates
    Now is the time to

    Now Is The Time!

    Adjust your loan!

    Learn More

  • 60 Day No Pay Auto Loan

    Refinance your car loan
    Make No Payments for 60 Days

    Get A Great Low Rate!

    Don't Wait For Rates to Go Up

    Learn More

  • New/Used Car

    New/Used Car

    2.74/2.99%
    (as low as) 
    Annual Percentage Rate

    APPLY TODAY

  • Home Equity

    Home Equity

    2.49%
    (as low as)
    Annual Percentage Rate

    APPLY TODAY

  • CDs

    Certificate

    1.00%
    60 Month Certificates
    Annual Percentage Rate

    APPLY TODAY

  • Credit Card

    Credit Card

    11.99%
    Wave Credit Card
    Annual Percentage Rate

    APPLY TODAY

  • Test

    CHECKING ACCOUNTS

  • HOME EQUITY/LINE OF CREDIT

  • MORTGAGES

  • NEW & USED AUTO LOANS

Wave's Rate Special


Latest News

We Would Like Our Members To Be Aware Of The Upcoming Holiday Closing:

Thanksgiving Day, Thursday, November 26th

‘Tis the Season for Giving And The Community Needs Your Help!

It is time for our annual holiday tradition! Wave is proud to once again participate in the Giving Tree Gift Drive to benefit local at-risk families through West Bay Community Action. Learn More

During the holidays Digital Wallet makes purchasing safe!

A digital wallet also known as “e-Wallet” allows Wave FCU members to make purchases at a retail store while avoiding personal contact. Ask a Wave Advisor to see how you can connect your Wave account to your digital wallet. 

Automated Web Loan System

Our new automated web loan system makes it easier to apply online. To Apply go to https://internetloanapplication.cudl.com/wave/ or call us at (401) 781-1020.

Credit Union Members Have Access to MORE Savings

Go to lovemycreditunion.org to view all the ways Wave helps you save! Signing up is Simple, Easy and only takes minutes. Click here to sign up.

Member Resources

CO-OP ATMco op shared branch  ATM Connection  SUM ATM


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Home Equity Loans


Home Equity Loans

A loan for just about every purpose.

Whether for a new kitchen or rec room, a vacation, consolidating debt, education expenses, new car or for just about any purpose, a home equity loan can be the answer while also offering possible tax advantages.** Ours come with no points, no closing costs and no annual fees.** And, unlike many institutions that make you pay the old-fashioned way…monthly, or charge you a fee to pay more frequently, at Wave you can set up a weekly, bi-weekly or monthly payment plans and you can change it at any time…without penalty. You can also choose to pay interest only* or principal and interest.

So whether you are interested in a variable rate plan or a fixed-rate plan, put it on the house and let us help design the right loan program for you. Applying is easy; just bring in your verification of income, proof of ownership and an insurance binder and we’ll help with the rest. We can even provide a pre-approval within 24-hours.

Click Here For Current Home Equity Rates

  • Fixed Rate Home Equity Loans

    Wave home equity loans have fixed rates, set monthly payments and no annual fees or closing costs. 

    **They are ideal for borrowing a large amount at once and paying a pre-determined monthly amount.

  • Variable Rate Home Equity Lines

    Wave variable rate home equity lines can be accessed by simply writing a check or transferring funds via Wavenet, Waveline or a simple telephone call. You pay only on the amount you use and at a rate based on the Prime Rate. You can also choose to pay interest only or principal and interest. There are no annual fees or closing costs.

    **** Minimum borrowing requirements may apply

  • Fixed Rate Home Equity Loans

    Wave home equity loans have fixed rates, set monthly payments and no annual fees or closing costs. They are ideal for borrowing a large amount at once and paying a pre-determined monthly amount.

    Current borrowers can refinance with a minimum of $25,000 in new money to waive closing costs.

  • Home Equity Line Of Credit

    Wave variable rate home equity lines can be accessed by simply writing a check or transferring funds via Wavenet, Waveline or a simple telephone call. You pay only on the amount you use and at a rate based on the Prime Rate. You can also choose to pay interest only or principal and interest. There are no annual fees or closing costs.

    ** Minimum borrowing requirements may apply

  • Optimizer Home Equity Loans

    Wave optimizer home equity loans have fixed rates, set monthly payments and no annual fees or closing costs.

    *Available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. Applies to current advertised APR is lowest available.  Other rates and terms available. Property insurance (and flood insurance if applicable) required. Rates subject to change without notice. Account subject to individual approval.  Current borrowers can refinance with a minimum of $25,000 in new money to waive closing costs.

     

Start Your Application!

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*Subject to qualification. APR = Annual Percentage Rate. Home equity line of credit rate of 2.49% APR for 12 months from date of closing. On the 13th month, the rate on outstanding balances for the remaining draw period will revert to the Wall St Prime Rate or 4% APR, whichever is higher. Stated rate good for LTV’s up to 80% and is based on credit worthiness. A minimum $25,000 line required to waive closing costs. Other rates and terms available. Rate effective January 1, 2020 and subject to change without notice. Existing WFCU home equity lines/loans are not eligible for refinance with this promotion.
**You should consult your tax advisor or attorney regarding tax issues specific to your circumstances. Additional fee may apply depending on individual circumstances.

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History


Personal Finance Advisors

are here to assist you. Please call us (401) 781-1020.

Welcome to Wave!

Paul Archambault
President & CEO

Wave was originally established in 1938 as the Narragansett Electric Employee's Federal Credit Union. In 2003 we merged with Hasbro Employee's Federal Credit Union and in 2008 merged with Anchor Federal Credit Union, formerly Warwick Municipal Employee's Federal Credit Union. Then in 2011, we merged with Cottrell Federal Credit Union headquartered in Westerly, RI. Wave today is a financially strong, community-chartered institution with almost 7,000 members, $118 million in assets, a commitment to personal service and some of the most attractive rates anywhere. We offer the complete range of products including online/mobile banking, personal financial advising, and surcharge-free ATM access, as well as mortgage/equity products, and auto loans. In fact, where most institutions will offer only one or two ATM networks, we have three (MoneyPass, SUM and CO-OP) in addition to the RI Credit Union ATM connection.

In 2008, Wave became one of the first Rhode Island Credit Unions to join the CU Service Centers Network, a shared network of credit union branches…extensions of Wave FCU … throughout the US and on Military bases overseas. Services include deposits and withdrawals, loan payments and loan advances, VISA and MasterCard advances and much more.

I’m particularly proud of our employees. Most of them have been at Wave for a number of years and think of our members not just as names, but as “family”. I know they’ll make you feel right at home.

So come along and ride the Wave to your financial security.

Sincerely,

Paul Archambault
President & CEO

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Wave FCU Main Branch

Address: 480 Greenwich Ave, Warwick, RI 02886

Phone: (401) 781-1020
Fax: (401) 562-1290

Warwick Avenue Branch

Address: 1217 Warwick Ave, Warwick, RI 02888

Phone: (401) 463-9574
Fax: (401) 463-5161

 

MEMBER SUPPORT


If you need additional information or just want to give us feedback, please feel free to contact us.

 

BUSINESS HOURS

MAIN BRANCH
LOBBY HOURS
Mon-Wed: 9am - 4pm
Thurs-Fri: 9am - 5pm
Saturday: 9am - 12pm

Drive Up Opens
M-F: 8am / Sat: 9am

WARWICK AVENUE BRANCH
LOBBY HOURS
Mon-Wed: 9am - 4pm
Thurs-Fri: 9am - 5pm
Saturday: 9am - 12pm

Drive Up Opens
M-F: 8am / Sat: 9am

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