The Smart Way to Build Up Your Savings
Account Options & Rates
Learn more about our different saving account options to see what works best for you.
| Feature | Regular Share | X-Tra Kash | Holiday Club | Super Share | Mega Share |
|---|---|---|---|---|---|
| Account Description | Use to grow your savings with a smaller balance | Use to save up for a large purchase | Use to save up for holiday spending | Use to grow your savings with a higher balance | Use to earn a higher dividend on a large balance |
| Minimum Opening Balance | $5 | $5 | $5 | $2,000 | $25,000 |
| Minimum Balance to Earn Dividends | $250 | $5 | $5 | $2,000 | $25,000 |
| Withdrawals | Up to 6 per month | Unlimited | Unlimited between 10/01-12/31 | Up to 3 per month | Up to 3 per month |
| ATM Card | |||||
| Online Banking | |||||
| E-Statements | |||||
| Direct Deposit | |||||
| 24/7 Bank by Phone | |||||
| Coverage | Up to $500,0006 | Up to $500,0006 | Up to $500,0006 | Up to $500,0006 | Up to $500,0006 |
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular Share Account | .10%6 | .10%6 |
| X-Tra Kash Account | .10%6 | .10%6 |
| Holiday Club Account | .10%6 | .10%6 |
| Super Share Account (up to $10k) | .40%6 | .40%6 |
| Super Share Account ($10-25k) | .60%6 | .60%6 |
| Super Share Account ($25-100k) | .75%6 | .75%6 |
| Super Share Account (over $100k) | 1.20%6 | 1.21%6 |
| Mega Share Money Market Account ($25,000-$49,999.99) | .80%6 | .80%6 |
| Mega Share Money Market Account ($50,000-$99,999.99) | 1.00%6 | 1.00%6 |
| Mega Share Money Market Account ($100,000-$249,999.99) | 1.25%6 | 1.26%6 |
| Mega Share Money Market Account ($250,000+) | 1.50%6 | 1.51%6 |
Jump Start Your Savings
Open a savings account with as little as $5 and start enjoying all the benefits.
Low Minimum Balance
Minimal balance requirements on most account types.
Free Online Banking
Get access to our online and mobile banking app.
Earn Dividends
Enjoy a healthy return on your savings balance.
Direct Deposit
Have your checks deposited directly into your account.
Multiple Ways To Save
Choose from a variety of saving account options.
24/7 Bank By Phone
Use our Day And Night Access (DANA) system for 24/7 support.
Ultimate Coverage
Mobile Banking Features
Our saving accounts give you access to a digital library of fast, secure and reliable mobile banking tools.
Free Credit Monitoring
Check your credit score daily with no impact on your credit and see how financial decisions will effect your credit score.
Mobile Wallets
Add your R.I.A. issued debit card to your mobile wallet and make purchases directly from your mobile device.
Mobile Check Deposit
Save time by depositing checks from the convenience of your own home with our mobile banking app.
Mobile Card Controls
Turn cards on and off, control transaction limits, manage notifications and more with our mobile card controls.
Savings Account FAQ
You have questions. We have answers. See below for a list of our most frequently asked savings account questions.
We have savings accounts for adults, as well as specified savings accounts for kids to educate them about saving money. These accounts offer kids rewards for savings milestones.
Yes. View the rates table for details on specific savings accounts.
As your share of membership, $5 must remain in your account.
As a member of R.I.A. FCU, you have a $5 share. When you open a savings account, this $5 is required to become a member. Therefore, you must deposit $5 upon opening an account.
When you open an account with R.I.A. Federal Credit Union you become a member of our credit union. We are a member-owned cooperative dedicated to meeting your financial needs!
Disclaimer
6. Savings Account
-
- APY=Annual percentage Yield. APYs accurate as of the last dividend declaration date. The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly.
- Fees may reduce earnings on the account.
- (Regular Share) Minimum balance to open account is $5. Minimum daily balance to earn dividends is $250.
- (Super Share) Minimum balance to open account is $2,000. Minimum deposit is $100. Minimum daily balance to earn dividends and avoid a service fee is $2,000. During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in fees of $5 per month, and account closure by the credit union.
- (Mega Share) Minimum balance to open account is $25,000. Minimum deposit is $100. Minimum daily balance to earn dividends and avoid a service fee is $25,000. During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in fees of $10 per withdrawal, and account closure by the credit union.
- (Xtra Kash) Minimum balance to open account is $5. Minimum daily balance to earn dividends is $250.
- (Holiday Club) Minimum balance to open account is $5. Minimum daily balance to earn dividends is $5.
- Deposits are insured up to $250,000 in insurance by NCUA.
- Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.
- View Smart Checking Qualification Calendar
Still Have Questions?
Open A Savings Account Today
Ready to start building your savings? Get started with our quick and easy online application.