R.I.A. FCU - Information Desk

Club Accounts

This program teaches the value of saving and provides rewards for kids to reach their goals.

Just $5 will open an account at the credit union and membership is open to children 12 years or younger. KARS teaches kids how to save money. Earning rewards reinforces saving habits and short-term goals.

Meet Axle – As you reach each goal, “Axle” zooms into action to reward young savers!

Here is what you receive when you open a KARS club account:

· Official membership card
· Saver’s Punch Card to keep track of your savings
· Small gift to help watch your savings grow

IMPORTANT NOTICE: The punch system has changed so that each deposit will count as only one punch.
The credit union apologizes for any inconvenience this may have caused.

You can bring your punch card to any R.I.A. Federal Credit Union office to receive your rewards for saving.

Once you have saved up enough punches, redeem for these prizes:

Mood Pencil………………………….……..2 points
Carabiner Highlighter……………...……...10 points
Pocket Mirror/ Mini Football………….…..15 points
Water Bottle……………………….…….…25 points
Lunch Bag……………………………….…35 points
Tasty Treat ………………………..……... 45 points
Movie Pass…………………………..…….60 points

Payroll Deduction qualifies for earning points.

Here are some other things that kids get from KARS:

· Birthday Cards and a small gift
· Contests and events held throughout the year
· Fun games and educational information on our website (links directory)

Parents- please have verification of your child’s social security number as well as proof of address, verification of your own social security number, and a photo ID when you open an account at the credit union.

Spend ~ Save ~ Share

Youth Links

T.G.I.F. (Teens Getting Involved Financially)

Teens Getting Involved Financially is available to any member between 13 and 18 years old. TGIF helps young members save for their first car, learn how to balance a checkbook and establish a habit of making regular deposits with money earned from part time jobs.

Credit Cards - Credit Cards help young people just as they do older adults. With a parent's co-signature for a specified amount you may qualify for a Visa^® card to help pay for tuition, textbooks, school supplies, or a new career wardrobe.

Scholarship Programs - R.I.A. Federal Credit Union is proud to be able to offer two $1,000 scholarships to students continuing their education at a four-year, junior college or post-high school technical school. Scholarships are awarded based on academic excellence, citizenship, & community and school involvement. Applications are available in all offices beginning in April for the current year.

Share Draft / Checking - When shopping for a checking account, make sure to compare what different financial institutions offer based on the amount of money you plan to keep in your account and the number of checks you'll write each month.

Debit / ATM Cards - Debit cards may look like credit cards, but they're not. Used instead of writing a check, debit cards are accepted wherever a credit card purchase can be made. After signing a sales slip for the amount of your purchase, the funds are automatically deducted from your share draft / checking account. Debit cards can also be used as an ATM card.

Additional services offered to our TGIF members include Auto Loans and a variety of Savings plans along with various Share Certificates.

Sterling Silver Club

R.I.A. Federal Credit Union's motto has always been "Once a member, always a member" even if you change jobs or retire. So if you are age 55 or older and retired, you qualify for the credit union's exclusive Sterling Silver Club. As a club member you will receive the following:

Two free orders of personalized drafts each year
Free Money Orders
Free Notary Service
24 hour account access with DANA, ATM, and Internet Account Access
Direct Deposit