Frequently Asked Questions

To reset your password, follow the prompts via ‘Forgot Username or Password’ after selecting ‘sign in’ in the navigation bar, or click here. You can also access forgot login from your mobile app. For further assistance, contact our customer service team at 800-742-2848. Our team is eager to assist you!

Membership at R.I.A. Federal Credit Union is open to our communities and surrounding areas. Anyone who lives, works, worships, or is a member of a fraternal organization in our community15, as well as civilian employees and military personnel (active or retired) of the U.S. Government who work, train or are stationed on the Rock Island Arsenal, or Ft. McCoy military installation are eligible to join. Contact us for additional ways to qualify for eligibility.

Credit unions are owned by its members and are not-for-profit, whereas banks have stock holders. Typically, credit unions have lower rates and fees than banks. As a not-for-profit, credit unions, like R.I.A., return profits to their members.

To report a lost or stolen card, contact us at 800-742-2848. You can also use your ‘card controls’ feature through your online banking or mobile app to temporarily turn your card off. To locate this feature from your online account, select ‘Debit Card Controls’ on the navigation bar. On your mobile app, access these controls under ‘more’.

For your convenience, payments can be made online, on the mobile app, in-branch, or over the phone at 800-742-2848.

R.I.A. customers have access to detailed guides (via our online banking application) that teach users more best practices for safely navigating the web. Topics include password management, protecting your identity, avoiding malware, email safety, wifi best practices and more.

The quicker you recognize fraud and take action the better. In addition to reporting the fraud to your local authorities, you will want to take any steps that will prevent any further damage. This will depend on the type of fraud, but could include changing online passwords, pausing your credit and / or debit card, and reaching out to other individuals or companies involved.

While anyone can become a victim of fraud, scammers will often times target the elderly or people that are more susceptible to emotional manipulation (e.g., people looking for a relationship, recent loss of a family member, etc.).

Yes! Fraud comes in many forms, but generally speaking, if someone you are interacting with is pressuring you and / or avoiding your questions, that is typically a red flag, especially if it is in response to an unsolicited call or email.

Another thing to avoid is opportunities that sound too good to be true – this is often a scammer trying to take advantage of your emotional response to what is being presented as a great opportunity.

While personal loans can be used for many reasons, they do require a lending purpose and have certain restrictions. For more detailed information contact our customer service team at 800-742-2848.

For your convenience, we offer same day decisions on personal loan applications in most cases. For more details on personal loans contact our customer service team at 800-742-2848.

R.I.A. Federal Credit Union is proud to offer extremely competitive rates with flexible payment terms. We offer vehicle loans up to 84 months11 to fit your financial needs.

Buying your first home can be overwhelming. To make the process a little easier, we do have first home buyer programs available. For full details contact our mortgage team.

The documentation needed for a vehicle loan is determined by our underwriters once they review your application, but typically includes a copy of the title, your driver’s license, and proof of insurance. Our team is always here to help guide you through the process. Contact us with questions any time!

Membership is not required to apply for a loan with R.I.A. Federal Credit Union. However, you will need to become a member to finalize the loan. When you open an account with us you become a member of our credit union.

Not necessarily. We’re committed to the financial well-being of our members. We do offer risk-based lending to better serve our community. Contact our team for further details on how risk-based lending works with R.I.A. Federal Credit Union.

In most cases, decisions are made on home loan applications in 24 hours. However, closing times vary. Contact our mortgage team for more details on home loans at 800-742-2848.

Our team is committed to helping you navigate the process of applying for a home loan. There are verification requirements that need to be met, but typically you will need some form of income verification. This can include a W2, 1099, pay stubs or your tax return. If you are refinancing your current mortgage, you may need your most recent mortgage statement. Contact a member of our mortgage team for more information.

We care about the well-being of our members, and therefore, offer a grace period on all loans, including credit cards. In some cases, however, late fees could be assessed. For more information on late payments contact us at 800-742-2848 or visit our fees schedule.

With some of the lowest rates in the area, R.I.A. Federal Credit Union offers credit cards to fit our members’ needs. While our rewards card offers great monthly incentives, what’s right for you depends on your goals. Our member service representatives are available to discuss your options. Contact us at 800-742-2848.