An Experienced Lending Partner You Can Trust
Personal Loans
- Quick and easy application process
- No pre-payment penalties
- Low rates and flexible loan terms10
- Use your personal loan for just about anything10
Vehicle Loans
Take the first step toward that new or used vehicle with attractive loan options from R.I.A.
- Easy loan application process with quick approvals
- Low rates and flexible loan terms11
- Pre-approvals available11
- Loan options for cars, boats and other recreational vehicles
Why Choose R.I.A.?
When it comes to choosing a lender, we understand you have options. But finding the right lending partner goes well beyond the numbers. Below are just a few reasons why R.I.A. is a step above the competition.
Experience
When you work with R.I.A., you’re not just working with one individual — you are getting the benefit of 85 years of industry experience.
Service
We take pride in our ability to provide the highest level of service to meet the unique needs of every customer.
Community
Our business was built on serving local communities. It’s part of our history and something we continue to do each and every day.
Trustworthy
We work hard to earn the trust of every member by delivering unparalleled customer service coupled with financial excellence.
Home Loans
Connect with one of our mortgage experts to start your home buying journey today.
- Easy online mortgage application
- Wide array of loan options available
- Competitive rates with flexible terms12
- Low closing costs
Student Loans
See if we can boost your financial aid package with a personalized student loan from R.I.A.
- Quick 15 minute application process
- Borrow up to $160,000 for all your education needs14
- No origination fee
- Interest rate reduction with auto payment setup
Lending FAQ
You have questions. We have answers. See below for a list of our most frequently asked lending questions.
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.
Disclaimer
10. Personal Loans
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- 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
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- 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
- Home Loans
- Rates, terms and conditions 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.
14. Student Loans
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- 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.
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