Welcome to R.I.A.
Thanks for joining! Explore a better banking experience.
We’re Glad You’re Here!
Are you looking to improve your banking experience? We’re here to help people like you meet their financial needs. With a suite of tools designed to bring technology to your fingertips, learn how we can simplify your finances. You established membership through Upgrade so we could invest in your loan, but we have so much more to offer.
Use Any ATM Nationwide
Save up to $300 every year in Nationwide ATM fee refunds3. Plus, earn up to 2.00% APY3 for up to an additional $300 per year. You choose which ATM to use3.
Vehicle Loans Made Easy
Flexible Home Loans
A Checking Account Built for You
- Save up to $300 every year in Nationwide ATM Fee Refunds3
- Earn up to 2.00% APY3 for up to an additional $300 per year
- Access to free credit score monitoring
- Make bill payments easier with EZ Bill Pay
- Contactless Payments
- No monthly fees
- Apple Pay, Google Pay, Samsung Pay
- Secure Access via Touch ID and Eyeprint ID
- Mobile wallet with advanced card controls
Free Credit Monitoring
Understand your credit score, factors that impact it, and what you can do to strengthen it, all within online banking and mobile banking. Access your score wherever you are.
Pre-Approved Vehicle Loans Made Easy
Driving a new vehicle is fun. Purchasing one can be stressful. Our team is here to answer questions and guide you through the process. Apply for pre-approval11 for more purchasing power.
- Competitive rates11
- Flexible payment terms
- Pre-Approvals11 to guide your purchase
- Vehicle loans up to 84 months11
Digital Banking on Your Time
Take your finances with you, wherever you go. With digital banking tools, managing your money is always at your fingertips.
We’ve Got A Home Loan for That
From pre-approvals on your first home purchase to cashing out on a home equity loan, we offer flexible loan options to fit your needs. Our team is here to walk you through every step.
- Know what you can afford with a pre-approval12
- Flexible loan options including fixed-rate mortgages, adjustable rate loans, FHA, VA, and USDA loans
- Refinance to save on a shorter term
- Access the cash you need with a home equity loan13
- Use your home’s equity with a home equity line of credit13
Checking, Vehicle Loan and Home Loan FAQ
You have questions. We have answers. See below for a list of our most frequently asked questions.
Not only do we have a large selection of ATM locations, we also offer up to $25 in Nationwide ATM Fee Refunds³. This way you can use any ATM you want, no matter where you are.
Yes, our checking accounts are free. Enjoy no minimum balance and no monthly fees.
Yes, you will receive a temporary debit card at the time of opening an account. We will mail you a permanent debit card shortly after.
Yes, we offer debit cards. We even have convenient card features like Mobile Wallet, Mobile Card Controls and Contactless Payment to streamline your banking experience.
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!
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.
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.
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.
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.
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
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.
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.
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 6.24% APR, the monthly payment will be approximately $471.90.
- 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.