R.i.a. Federal Credit Union
Headquarters
Po Box 4750
Rock Island, IL 61204
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2024 Overview
General Credit Union Information
R.i.a. is an NCUA insured institution located in Rock Island, IL. It was founded in 1935 and has approximately $619.05 millions in assets.
Who can join?
Persons who live or work in Scott, Muscatine, Rock Island, and surrounding counties in Iowa and Illinois are eligible for membership, as are persons residing or employed in Monroe and parts of Juneau counties in Wisconsin. Select employee groups in Carroll County and Jo Daviess County in Illinois are also located within R.I.A. Federal Credit Union's field of membership.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 17117 |
| Date Established | 1935 |
| Assets | $619.05 million |
| Loans | $452.59 million |
| Deposits | $582.07 million |
| Capital | $53.75 million |
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.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.70% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Smart Checking | 2.00% | $0 | $0.00 | Learn More |
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for R.i.a.
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1429043 License#: RM.804500.000 |
6.415% | 6.250% | 0.75 | $5,600 | $1,971 | Learn More |
NMLS ID: 66247 |
6.576% | 6.500% | 0.75 | $2,544 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.953% | 6.875% | 0.63 | $2,534 | $2,103 | Learn More |
NMLS ID: 1907 |
7.093% | 7.000% | 1.00 | $3,002 | $2,129 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
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More Info |
Achieve Loans See Table |
Intro APR 10.625 % After Intro: 10.625 % |
$0 |
Learn More
More Info |
Note to R.i.a.
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are R.i.a. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
R.i.a. Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 406.82 | A | View Lobby Hours | |
| 411.46 | B | View Lobby Hours | |
| 412.37 | C | View Lobby Hours | |
| 413.62 | D | View Lobby Hours | |
| 413.95 | E | View Lobby Hours | |
| 415.30 | F | View Lobby Hours | |
| 416.47 | G | View Lobby Hours | |
| 440.45 | H | View Lobby Hours | |
| 485.99 | I | View Lobby Hours | |
| 493.99 | J | View Lobby Hours | |
| 1895.06 | K | View Lobby Hours |
Climate Policy and Initiatives
R.I.A. is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
R.i.a. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of R.i.a.. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| R.i.a. | U.S. Average |
|---|---|
| 13.28% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, R.i.a. had $7,216,066 in non-current loans and $564,059 in owned assets. To cover these potential losses it had $53,747,838 in net worth and $4,820,422 in loans loss reserves. That gives it a Texas Ratio of 13.28%.
Net Worth
| R.i.a. | U.S. Average |
|---|---|
| 8.74% | 13.93% |
R.i.a. FCU has a net worth of 8.74% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for R.i.a.
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