Billboard Disclaimers

3. Smart Checking

• APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.00%; and (3) balances over $15,000 earn 0.10% APY on portion of balance over $15,000, resulting in 2.00% to 0.19% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings on the account.
• All Checking Accounts are subject to approval. Must meet qualifications.
• Must be a member to open a checking account. Some restrictions apply.
• 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.
• Qualifications required to earn rewards include: (1) 12 debit card purchases posted and settled; (2) enrollment in eStatement notice; and (3) one automatic payment (ACH) or direct deposit posted and settled.

15. Persons eligible for membership must meet one of the following:

• • Persons who live, work or are members of a fraternal organization within a 30-mile radius of R.I.A. Federal Credit Union’s Davenport, Iowa or Wilton, Iowa location.
  • Persons who live or work in Monroe or Juneau County, Wisconsin.
  • Persons who live, work, worship or attend school in Carroll County, Illinois.
  • Member of the immediate family or household of any existing member meet qualifications for membership; including but not limited to spouses of persons who died within the field of membership.
  • *Persons not meeting the above criteria of membership may still join the credit union if they are a member of the Svithiod Club of Moline, Illinois. Ask us how to join.