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R.I.A. Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.riafcu.com
800-742-2848
4343 Utica Ridge Rd
Bettendorf, IA 52722

R.I.A. Federal Credit Union is headquartered in Bettendorf and is the 10th largest credit union in the state of Iowa. It is also the 663rd largest credit union in the nation. It was established in 1935 and as of September of 2024, it had grown to 129 employees and 40,429 members at 11 locations. R.I.A. Federal Credit Union's money market rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in R.I.A. Federal Credit Union is open to the following: (1) those who live, work, or worship within thirty miles of the Wilton or Davenport branch locations; (2) live or work in Monroe and parts of Juneau counties in Wisconsin; (3) select employee groups Carroll County and Jo Daviess County in Illinois; (4) military personnel (active or retired) or civilian employees of the U.S. Government who work, train or are stationed on the Rock Island Arsenal or Ft McCoy military installation.
See current membership details

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Health
B

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #17117
Year Chartered1935
Employees129
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD3.97%
Annual Interest Income$25.1MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$607.3MM$602.2MM
LoansQ3 2024vs Q3 2023$463.2MM$455.6MM
DepositsQ3 2024vs Q3 2023$566.2MM$565.5MM
Equity CapitalQ3 2024vs Q3 2023$38.5MM$34.6MM
Loan Loss AllowanceQ3 2024vs Q3 2023$7.6MM$4.6MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$3.7MM$3.3MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

R.I.A. Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5-Variable IRA
0.10%$5-KARS Share Account
0.10%$5-Holiday Club Account
0.10%$250-Regular Share Account
0.10%$5-X-Tra Kash
0.10%$5-myCA$H Share Account

R.I.A. Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$250k*-Mega Share Money Market
OTHER TIERS: 0.80% → $25k - $50k | 1.00% → $50k - $100k | 1.26% → $100k - $250k
1.21%*$100k*-Super Share Account
OTHER TIERS: 0.40% → $2k - $10k | 0.60% → $10k - $25k | 0.75% → $25k - $100k

R.I.A. Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0$15kSmart Checking
0.20%$2.5k-Business Checking

R.I.A. Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.80%$500-6 Month CD
4.07%$500-9 Month CD
2.53%$500-12 Month CD
2.53%$500-18 Month CD
2.27%$500-24 Month CD
1.91%$1k-60 Month CD
1.76%$500-36 Month CD
0.20%$500-91 Day CD

R.I.A. Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.52%$500-12 Month IRA
2.27%$500-24 Month IRA
1.91%$1k-60 Month IRA
1.76%$500-36 Month IRA
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