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R.I.A. Federal Credit Union


Overview / Commentary
www.riafcu.com
563-355-3800
4343 Utica Ridge Rd
Bettendorf, IA 52722

R.I.A. Federal Credit Union is headquartered in Bettendorf and is the 9th largest credit union in the state of Iowa. It is also the 628th largest credit union in the nation. It was established in 1935 and as of December of 2021, it had grown to 134 employees and 42,427 members at 11 locations. R.I.A. Federal Credit Union's money market rates are 36% higher than the national average, and it has an A 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.
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Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #17117
Year Chartered1935
Employees134
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD8.76%
Annual Interest Income$21.7MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$588.7MM$535.8MM
LoansQ4 2021vs Q4 2020$414.0MM$372.7MM
DepositsQ4 2021vs Q4 2020$541.7MM$490.0MM
Equity CapitalQ4 2021vs Q4 2020$45.2MM$44.2MM
Loan Loss AllowanceQ4 2021vs Q4 2020$3.6MM$3.4MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.8MM$2.3MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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%$250-X-Tra Kash
0.10%$5-myCA$H Share Account

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$250k*-Mega Share Money Market
OTHER TIERS: 0.30% → $25k - $50k | 0.40% → $50k - $100k | 0.55% → $100k - $250k
0.50%*$100k*-Super Share Account
OTHER TIERS: 0.15% → $2k - $10k | 0.25% → $10k - $25k | 0.35% → $25k - $100k

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%-$15kStart Smart Checking
0.20%$2.5k-Business Checking

R.I.A. Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-60 Month CD
0.65%$500-36 Month CD
0.55%$500-24 Month CD
0.45%$500-18 Month CD
0.40%$500-12 Month CD
0.35%$500-9 Month CD
0.30%$500-6 Month CD
0.20%$500-91 Day CD

R.I.A. Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-60 Month IRA
0.65%$500-36 Month IRA
0.55%$500-24 Month IRA
0.40%$500-12 Month IRA
Locations

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