1. Mastercard Rewards Card

• See Mastercard® Credit Card Disclosure, Rewards Terms and Conditions and Rewards TIL Disclosures for full details and disclosures. 1.5% cash back is converted from points earned. You will automatically earn 1.5 points per $1.00 spent on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Points can be converted to cash back in increments of 500 points or $5.00. Points expire after 3 years. Points are redeemed via the UChoose website which can be accessed via RIAFCU online and mobile banking.

2. Mastercard Classic Card

• See Mastercard® Credit Card Disclosure and Classic TIL Disclosures for full details and disclosures.

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.

4. Basic Checking

• APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
• 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.

5. Business Checking

• APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
• Minimum deposit to open a Business Checking Account is $100.
• Balances over $2,500 earn dividends. $0.20 fee per draft. Low balance fee if balance falls below $1,000. 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.

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

7.Youth Accounts

• APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
• *Rates may change after the account is opened. Fees may reduce earnings on this account.
• (KARS Account) This account requires $5 to open. Earns dividends. Rates may change after the account is opened. Fees may reduce earnings on this account. 1 deposit equals 1 point. Points can be redeemed for prizes. Members under the age of 18 need a co-signer on the account.
• (My Cash Teen Account) This account requires $5 to open. Earns dividends. Rates may change after the account is opened. Fees may reduce earnings on this account.  Cash incentives are paid out when myCA$H member brings in membership card to verify incentive behavior has been completed. Direct deposit, E-statement, debit card, $500 saved and $1,500 saved incentives are paid once. Certain restrictions apply, not all will qualify. Members under the age of 18 need a co-signer on the account.
• 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.

8.Certificates

• (Share Certificate) Penalties may be imposed for early withdrawal. Rates accurate as of the last dividend declaration date. Fees may reduce earnings. $500 deposit required to open this account. $500 daily balance required to earn dividends.
• (IRA) Rates accurate as of the last dividend declaration date. Penalties may be imposed for early withdrawal. Fees may reduce earnings. IRA Certificates are available at the same interest rates as our regular Certificates. Certificates may be designated traditional or Roth IRAs. 91-day to 5-year terms available for IRA Certificates. Other restrictions and requirements may apply. Rates may change at maturity. $500 deposit required to open this account. $500 daily balance required to earn dividends.
• APY=Annual Percentage Yield. APYs accurate as of 4/1/2024; the last dividend declaration date. Rates may change at maturity. Fees may reduce earnings on the account.
• A penalty may be imposed for early withdrawal.
• 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.

9. Digital Banking Features

• (Mobile Banking) Message and data rates may apply; consult your carrier for further details. Not all mobile devices are supported.
• (Mobile Pay)
• Apple, the Apple logo, iCloud and Apple Pay are trademarks of Apple Inc.
• Google Pay is a trademark of Google LLC. Android, Google Pay and the Google Pay logo are trademarks of Google LLC.
• Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

10. Personal Loans

• Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
• Loans are subject to credit approval. Restrictions may apply.
• APR is Annual Percentage Rate. Rate is fixed (non-variable). This offer is for new money only, no internal refinances. 11.25% APR. Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $25.97 per $1,000 borrowed at 11.25% APR. All loans are subject to approval. 
• See Rates and Fees Schedule

11. Vehicle Loans

• Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications.
• Loans are subject to credit approval. Restrictions may apply.
• 67-75-month financing available only on loans of $12,000 or more only on 2018-2025 model year.
• 76-84-month financing available only on loans of $20,000 or more only on 2018-2025 model year.
• For example, a 48-month term on a new vehicle loan for $20,000 at 6.39% APR, the monthly payment will be approximately $473.29

12. Home Loans

• Rates, terms and conditions accurate as of 5/7/24, are subject to change and may vary based on creditworthiness and qualifications.
• Payments based upon a $125,000 purchase price with 20% down, loan amount of $100,000. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater.
• 5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate for the first five years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 5.674% APR, the first 60 payments are $567.16, with 12 payments at $698.53 if the rate were to adjust to 7.697%, 12 payments at $840.12 if the rate were to adjust to 9.724%, 12 payments at $989.53 if the rate were to adjust to 11.754%. The maximum lifetime cap is 6%.
• 10/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate for the first ten years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 5.937% APR, the first 120 payments are $583.57, with 12 payments at $716.41 if the rate were to adjust to 7.961%, 12 payments at $859.15 if the rate were to adjust to 9.988%, 12 payments at $1,009.41 if the rate were to adjust to 12.018%. The maximum lifetime cap is 6%.
• Loans are subject to credit approval. Restrictions may apply.

13. Home Equity

• Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
• Loans are subject to credit approval. Restrictions may apply.
• For example, a 60-month Fixed Home Equity Loan for $10,000 at a 6.409% APR, the monthly payment will be approximately $195.00. 
• For example, a 60-month Home Improvement Loan for $20,000 at a 7.413% APR, the monthly payment will be approximately $400.00.
• For example, a 120-month Power Equity Loan for $20,000 at a 6.715% APR, the monthly payment will be approximately $229.00.
• Home Equity Lines of Credit are variable-rate loans. Rates as low as 7.152% APR are based on an evaluation of credit history, CLTV (combined-loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The plan has a maximum APR of 18%. Closing costs vary by state and range from $100-$500. 
• A minimum fee of $85 for title search and recording will apply. $5 membership fee required.

14. Student Loans

• Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
• Loans are subject to credit approval. Restrictions may apply.

15. Membership qualifications

• Membership is based on qualifications. Where you live, work or worship are considerations for membership. Please call, email or stop into any of our locations with questions related to membership. You can also view our full membership eligibility charter for further details.

16. Community Development

• R.I.A. Federal Credit Union is committed to investing in the communities we serve. While we make every effort to sponsor community events and donate to as many causes as possible, we may not be able to participate every time. Submitting this request does not guarantee commitment.

17. Skip-A-Pay

• Only two skips per year on eligible loans. One payment must be made between skips. Credit card, credit builder auto, and mortgage payments do not qualify for our skip program. New loans are eligible after the first payment is made. Skips cannot be done back to back and delinquency will be a factor in not qualifying.
• Credit Builder Program loans, Mortgage loans, lines of credit (Konstant Kash & HELOC), and credit cards (Mastercard), do not qualify for Skip-A-Payment. Loan must be established, with at least one full month’s payment made from the new loan disbursement date or since the last payment skipped to be eligible. Borrowers or co-borrowers with delinquent loans, loans with a delinquent history, bankruptcy, charge off, or who have otherwise caused a loss to the credit union are not eligible. R.I.A. FCU reserves the right to deny any Skip-A-Payment request. If you elected warranty coverage, the coverage will not be extended beyond the original maturity date. Other Restrictions apply.
• Skip-A-Payment applies to skip one (1) monthly, two (2) biweekly/semi-monthly, or four (4) weekly payments. A $30.00 Skip Fee applies to the principal balance of each loan skipped, unless prior arrangements are made to pay alternatively. Loan term will be extended by one month and interest (finance charge) will continue to accrue on the unpaid balance, resulting in an increase in final payment. All borrowers, co-borrowers and co-signers on the referenced loan must sign form prior to processing. The completed request must be received by the credit union at least seven (7) days prior to the first payment skipped.

18. 1% Rate Reduction

• This 1% program is effective September 1, 2024, through February 28, 2025. To incent new and current members to bring their Auto and Other Secured loans to RIAFCU, we will offer a 1% rate reduction promo for any loan refinanced from another financial. All refinanced Auto loans and RV/Marine/Motorcycle loans are subject to a minimum rate APR equal to our lowest available loan rate in effect for the requested term at the time of loan application. Maximum rate of 18% APR for all loans.  Offer applies to closed end loans only. Eligible collateral includes 2004 and newer. Members must supply acceptable documentation or statement from current lender showing current rate and term. Standard credit granting guidelines, terms and conditions apply and all loans are subject to credit approval. RIAFCU will cover the lien recording fee for members who bring their loan to us through this promotion. Current loans financed at RIAFCU are not eligible for refinance under this promotion.

19. Zelle

• Mobile network carrier fees may apply.
• Must have a bank account in the U.S. to use Zelle®.
• Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
• In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
• Copyright © 2022 R.I.A. Federal Credit Union. All rights reserved. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Investment Services

• *Strategic Investment Services Financial Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), memberFINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.
• FR-2519647.2-0519-0621
• Specific individualized tax advice not provided. We suggest that you discuss your specific tax issues with a qualified tax advisor.