☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
R.I.A. Federal Credit Union

iAdvertiser Disclosure

R.I.A. Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at R.I.A. Federal Credit Union?

Current rates for R.I.A. Federal Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.45%, 24-Month CD: 2.27%, 60-Month CD: 3.03%, Savings: 2.00%, MMA: 2.02%

Q: What CD terms does R.I.A. Federal Credit Union offer?

R.I.A. Federal Credit Union CD rates are 3.92% APY for a 6 month CD, 3.65% APY for a 12 month CD, 3.45% APY for an 18 month CD, 2.27% APY for a 2 year CD, 2.93% APY for a 3 year CD and 3.03% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with R.I.A. Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

R.I.A. Federal Credit Union's CD - 6 month rates are at 3.92%, CD - 12 month rates are at 3.65%, CD - 18 month rates are at 3.45%, CD - 60 month rates are at 3.03%, CD - 36 month rates are at 2.93%. R.I.A. Federal Credit Union's savings rates are at 2.00%. R.I.A. Federal Credit Union's money market rates are at 2.02%. R.I.A. Federal Credit Union's checking rates are as high as 2.00%. R.I.A. Federal Credit Union's Personal Loan Rates are as low as 11.00%. R.I.A. Federal Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of R.I.A. Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.99%. Rates last updated and verified on 10/29/2026.

R.I.A. Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at R.I.A. Federal Credit Union? Share your experience about R.I.A. Federal Credit Union by leaving a review below, or read customer reviews before you decide to use R.I.A. Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.99%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

R.I.A. Federal Credit Union
1

4343 Utica Ridge Rd
Bettendorf, IA 52722

https://riafcu.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

R.I.A. Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 6 month	3.85%	3.92%	6 Months
Min Balance $500 Details Dividend Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.92% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA Certificate - 12 month	3.60%	3.66%	12 Months
Min Balance $500 Details Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Share Certificate - 12 month	3.60%	3.65%	12 Months
Min Balance $500 Details Dividend Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Share Certificate - 18 month	3.40%	3.45%	18 Months
Min Balance $500 Details Dividend Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA Certificate - 60 month	3.00%	3.03%	60 Months
Min Balance $1,000 Details Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Share Certificate - 60 month	3.00%	3.03%	60 Months
Min Balance $1,000 Details Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA Certificate - 36 month	2.90%	2.93%	36 Months
Min Balance $500 Details Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.93% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Share Certificate - 36 month	2.90%	2.93%	36 Months
Min Balance $500 Details Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.93% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Share Certificate - 24 month	2.85%	2.88%	24 Months
Min Balance $500 Details Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 2.28% → 2.88% ▲ 0.60 pts · high 2.88% / low 2.27% Oct 5, 20262.88%▲ from 2.27% Sep 21, 20262.27%▼ from 2.28% Sep 14, 20262.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Share Certificate - 9 month	2.50%	2.53%	9 Months
Min Balance $500 Details Dividend Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA Certificate - 24 month	2.25%	2.27%	24 Months
Min Balance $500 Details Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA Certificate - Variable	0.25%	0.25%	Variable
Min Balance $5 Details Dividend Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Share Certificate - 91 Days	0.20%	0.20%	91 Days
Min Balance $500 Details Dividend Frequency: Maturity Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	1.98%	2.00%
Details Balance up to $5,000.00 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Mega Share Money Market Account	1.50%	1.51%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Mega Share Money Market Account	1.25%	1.26%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Super Share Account	1.20%	1.21%
Min Balance $100,000 Details Balance: over $100k Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Mega Share Money Market Account	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Mega Share Money Market Account	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Super Share Account	0.75%	0.75%
Min Balance $25,000 Details Balance: $25-100k Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Super Share Account	0.60%	0.60%
Min Balance $10,000 Details Balance: $10-25k Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Super Share Account	0.40%	0.40%
Details Balance: up to $10k Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Holiday Club Account	0.10%	0.10%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Regular Share Account	0.10%	0.10%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Youth Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.01 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share	0.10%	0.10%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Money Market Rates

Product	Rate	APY
Mega Share Money Market Account	1.50%	1.51%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Mega Share Money Market Account	1.25%	1.26%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Mega Share Money Market Account	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Mega Share Money Market Account	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.00%	2.02%
Min Balance $500,000 Details over $500k; Balance: over $500k Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Business Money Market	1.50%	1.51%
Min Balance $250,000 Details $250k - $500k; Balance: $250k - $500k Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Business Money Market	1.25%	1.26%
Min Balance $100,000 Details $100k - $250k; Balance: $100k - $250k Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Business Money Market	1.00%	1.00%
Min Balance $50,000 Details $50k - $100k; Balance: $50k - $100k Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Business Money Market	0.80%	0.80%
Min Balance $25,000 Details $25k - $50k; Balance: $25k - $50k Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Checking Rates

Product	Rate	APY
Smart Checking	1.98%	2.00%
Details Balance: $0.00 - $15,000.00 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 2.00% ▲ 1.95 pts · high 2.00% / low 0.05% Oct 13, 20262.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Smart Checking	0.10%	0.10%
Details over $15,000; Balance: $15,000.01 and over Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 2.00% / low 0.05% Oct 23, 20260.10%▼ from 2.00% Oct 13, 20262.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Basic Checking	0.00%	0.00%
Details Dividend Rate; Nationwide ATM Refunds: Not Included Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Charitable Checking	0.00%	0.00%
Details Dividend Rate; Roundups to charity; Nationwide ATM Refunds: Not Included Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Premier Business Checking	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000.00 and over; Dividend rate and APY footnote reference 23 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan	5.99%	-	5.99%
Details As Low As; Home Equity Rates; fixed home equity loans Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Home Equity Line of Credit	-	-	6.65%
Details As Low As; Variable-rate; based on credit history, CLTV, loan amount and occupancy; maximum APR 18%; $5 membership fee required Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.15% → 6.65% ▼ 0.50 pts · high 7.15% / low 6.65% Sep 25, 20266.65%▼ from 7.15% Sep 14, 20267.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Home Equity Variable HELOC 80% LTV	6.49%	-	6.65%
Details As Low As; Home Equity Rates; Variable HELOC Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Home Equity Variable HELOC 100% CLTV	7.49%	-	7.654%
Details As Low As; Home Equity Rates; Variable HELOC Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2017-2019 Vehicle Loans	-	-	5.24%	24-66 Months
Details As Low As; Vehicle loan, auto; Model year 2017-2019 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Vehicle Loans	-	-	5.24%	24-48 Months
Details As Low As; Vehicle loan, auto Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Vehicle Loans	-	-	5.24%	49-66 Months
Details As Low As; Vehicle loan, auto Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Vehicle Loans	-	-	5.24%	67-75 Months
Details As Low As; Vehicle loan, auto Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Vehicle Loans	-	-	5.24%	76-84 Months
Details As Low As; Vehicle loan, auto Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Auto Loan	-	-	5.24%
Details As Low As; 2020-2027 model year vehicle loans; terms up to 84 months Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Auto Vehicle Loan	-	-	5.24%
Details As Low As; Rates as low as 5.24%; Auto vehicle loans Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	5.24%	24-48 Months
Details As Low As; Model Year: 2020-2027 Vehicle Loans Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	5.24%	49-66 Months
Details As Low As; Model Year: 2020-2027 Vehicle Loans Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	5.24%	67-75 Months
Details As Low As; Model Year: 2020-2027 Vehicle Loans Last Updated 10/29/2026 Rate History 3 changes since Sep 21, 2026 · 7.19% → 5.24% ▼ 1.95 pts · high 7.44% / low 5.24% Oct 23, 20265.24%▼ from 7.19% Oct 13, 20267.19%▼ from 7.44% Oct 9, 20267.44%▲ from 7.19% Sep 21, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	5.24%	76-84 Months
Details As Low As; Model Year: 2020-2027 Vehicle Loans Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 10.69% → 5.24% ▼ 5.45 pts · high 10.69% / low 5.24% Oct 23, 20265.24%▼ from 10.69% Sep 21, 202610.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	5.24%	24-66 Months
Details As Low As; Model Year: 2017-2019 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan - 2020-2027	-	-	6.69%	Up to 66 Months
Details As Low As; Model Year: 2020-2027 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2006-2016 Vehicle Loans	-	-	6.74%	24-54 Months
Details Vehicle loan, auto; Model year 2006-2016 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	6.74%	24-54 Months
Details Model Year: 2006-2016 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Boats / Motors / Trailers Vehicle Loan	-	-	6.94%
Details As Low As; Rates as low as 6.94% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Motorcycles / ATVs / Snowmobiles Vehicle Loan	-	-	6.94%
Details As Low As; Rates as low as 6.94% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	6.94%	Up to 66 Months
Details As Low As; Model Year: 2020-2027; Under $25,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 6.69% → 6.94% ▲ 0.25 pts · high 6.94% / low 6.69% Oct 9, 20266.94%▲ from 6.69% Sep 21, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan - Motorcycles 2020-2027	-	-	7.19%	67-75 Months
Details As Low As; Model Year: 2020-2027; Motorcycles Only; Over $20,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	7.44%	67-75 Months
Details As Low As; Model Year: 2020-2027; Over $25,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 7.19% → 7.44% ▲ 0.25 pts · high 7.44% / low 7.19% Oct 9, 20267.44%▲ from 7.19% Sep 21, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	7.74%	24-63 Months
Details Model Year: Classics (50 years old minimum) Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	7.74%	64-72 Months
Details Model Year: Classics (50 years old minimum); Over $20,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	7.94%	76-120 Months
Details As Low As; Model Year: 2020-2027; RVs or Boats Only Over $25,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan - 2006-2019	-	-	8.69%	Up to 66 Months
Details As Low As; Model Year: 2006-2019 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	8.94%	Up to 66 Months
Details As Low As; Model Year: 2006-2019; Under $25,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 8.69% → 8.94% ▲ 0.25 pts · high 8.94% / low 8.69% Oct 9, 20268.94%▲ from 8.69% Sep 21, 20268.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan - Motorcycles 2006-2019	-	-	10.19%	67-75 Months
Details As Low As; Model Year: 2006-2019; Motorcycles Only; Over $20,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 10.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	10.44%	67-75 Months
Details As Low As; Model Year: 2006-2019; Over $25,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 10.19% → 10.44% ▲ 0.25 pts · high 10.44% / low 10.19% Oct 9, 202610.44%▲ from 10.19% Sep 21, 202610.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan - 2025-2027	-	-	10.69%	76-84 Months
Details As Low As; Model Year: 2025-2027; Only Over $25,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 10.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	10.94%	76-84 Months
Details As Low As; Model Year: 2006-2019; RVs or Boats Only Over $25,000 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 10.69% → 10.94% ▲ 0.25 pts · high 10.94% / low 10.69% Oct 13, 202610.94%▲ from 10.69% Sep 21, 202610.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles / ATVs / Snowmobiles Loan	-	6.69%	Up to 66 Months
Details As Low As; Model Year: 2020-2027 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Boat, Motor and Trailer Loan	-	6.94%
Details As Low As; RVs or Boats Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Motorcycle, ATV and Snowmobile Loan	-	6.94%
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Motorcycles / ATVs / Snowmobiles Loan	-	7.19%	67-75 Months
Details As Low As; Model Year: 2020-2027; Motorcycles Only; Over $20,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Motorcycles / ATVs / Snowmobiles Loan	-	8.69%	Up to 66 Months
Details As Low As; Model Year: 2006-2019 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Motorcycles / ATVs / Snowmobiles Loan	-	10.19%	67-75 Months
Details As Low As; Model Year: 2006-2019; Motorcycles Only; Over $20,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 10.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Motorcycles / ATVs / Snowmobiles Loan	-	10.69%	76-84 Months
Details As Low As; Model Year: 2025-2027; Over $25,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 10.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.00%	Up to 48 Months
Details $5,000; As Low As; Personal Loan Greater than $5,000 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Classics (50 years old minimum) Loan	-	-	7.74%	50 Years
Details Vehicle loan, classic vehicle; Age: 50 years old minimum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
X-Tra Kash Account	0.10%	-	0.10%
Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

R.I.A. Federal Credit Union’s Texas Ratio fell from 5.56% in Q3 2023 to 4.99% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$749M	4.99%	5.0	A+
March 31, 2026	$674M	4.87%	5.0	A+
December 31, 2025	$659M	6.05%	5.0	A
September 30, 2025	$642M	6.26%	5.0	A
June 30, 2025	$636M	5.75%	5.0	A+
March 31, 2025	$642M	5.18%	5.0	A+
December 31, 2024	$618M	7.17%	5.0	A
September 30, 2024	$607M	6.04%	5.0	A
June 30, 2024	$619M	6.49%	5.0	A
March 31, 2024	$614M	5.51%	5.0	A+
December 31, 2023	$611M	7.18%	5.0	A
September 30, 2023	$602M	5.56%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for R.I.A. Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather R.I.A. Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with R.I.A. Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name R.I.A. Federal Credit Union

Website https://riafcu.com

Address 4343 Utica Ridge Rd, Bettendorf, IA 52722

Phone 563-355-3800

Fax 563-355-9680

President William Patterson

CEO James Watts

Full-Time Employees 164

Part-Time Employees 13

Branch Locations 13

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.99%

Return on Assets (ROA)

0.1812%

Return on Equity (ROE)

2.0770%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

749,123,333

Total Amount of Shares and Deposits

692,085,100

Total Shares and Deposits < 1 Year

658,080,132

Total Shares and Deposits 1 3 Years

28,462,442

Total Shares and Deposits > 3 Years

5,542,526

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

36,638,869

Total Uninsured Shares and Deposits > $250K (F+J)

36,638,869

Total Insured Shares and Deposits > $250K (item 17 less item K)

655,446,231

Total Interest Expense (Sum of items 6 8)

5,633,410

Share Certificates

5,879

Number of Accounts for Share Drafts

26,705

IRA KEOGH Accounts

1,112

Number of Accounts for Regular Shares

54,291

Non Member Deposits

Money Market Shares

1,780

Net Income (unless the amount is already included in Undivided Earnings)

1,357,453

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

46,054,672

Total Liabilities

694,752,130

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

R.I.A. Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/ria-federal-credit-union-rates-review-17117">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for R.I.A. Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for R.I.A. Federal Credit Union

Frequently Asked Questions About R.I.A. Federal Credit Union

Does R.I.A. Federal Credit Union offer CDs?

Yes. R.I.A. Federal Credit Union current CD rates include its CD - 6 month at 3.92% APY, its CD - 12 month at 3.65% APY and its CD - 18 month at 3.45% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from R.I.A. Federal Credit Union NCUA insured?

Yes. R.I.A. Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at R.I.A. Federal Credit Union?

The highest R.I.A. Federal Credit Union CD rate is its CD - 6 month at 3.92% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does R.I.A. Federal Credit Union offer?

R.I.A. Federal Credit Union CD rates are 3.92% APY for a 6 month CD, 3.65% APY for a 12 month CD, 3.45% APY for an 18 month CD, 2.27% APY for a 2 year CD, 2.93% APY for a 3 year CD and 3.03% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with R.I.A. Federal Credit Union for its full lineup.

What is the highest savings rate at R.I.A. Federal Credit Union?

The highest R.I.A. Federal Credit Union savings rate is its Youth Savings at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at R.I.A. Federal Credit Union?

The highest R.I.A. Federal Credit Union money market rate is its Business Money Market at 2.02% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at R.I.A. Federal Credit Union?

The highest R.I.A. Federal Credit Union checking rate is its Smart Checking at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at R.I.A. Federal Credit Union?

The lowest R.I.A. Federal Credit Union auto loan rate is its 2017-2019 Vehicle Loans at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at R.I.A. Federal Credit Union?

The lowest R.I.A. Federal Credit Union personal loan rate is its Personal Loan at 11.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does R.I.A. Federal Credit Union operate?

R.I.A. Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join R.I.A. Federal Credit Union?

Yes, to access services at R.I.A. Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, R.I.A. Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, R.I.A. Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does R.I.A. Federal Credit Union offer online and mobile banking?

Most modern institutions like R.I.A. Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://riafcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do R.I.A. Federal Credit Union rates compare?

R.I.A. Federal Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. R.I.A. Federal Credit Union's top rates are its CD - 6 month at 3.92% APY, its Youth Savings at 2.00% APY, its Business Money Market at 2.02% APY, its Smart Checking at 2.00% APY and its Personal Loan at 11.00% APR, verified by MonitorBankRates on October 29, 2026.

Current R.I.A. Federal Credit Union Rates

12-Month CD3.65%
18-Month CD3.45%
24-Month CD2.27%
60-Month CD3.03%
Savings2.00%
MMA2.02%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

R.I.A. Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

R.I.A. Federal Credit Union Texas Ratio

R.I.A. Federal Credit Union Health Trend

R.I.A. Federal Credit Union CD Rates

R.I.A. Federal Credit Union Savings Rates

R.I.A. Federal Credit Union Business Savings Rates

R.I.A. Federal Credit Union Money Market Rates

R.I.A. Federal Credit Union Business Money Market Rates

R.I.A. Federal Credit Union Checking Rates

R.I.A. Federal Credit Union Business Checking Rates

R.I.A. Federal Credit Union Home Equity & HELOC

R.I.A. Federal Credit Union Auto Loan Rates

R.I.A. Federal Credit Union RV, Boat and Powersport Loan Rates

R.I.A. Federal Credit Union Personal Loan Rates

R.I.A. Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

R.I.A. Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About R.I.A. Federal Credit Union

Does R.I.A. Federal Credit Union offer CDs?

Are CDs from R.I.A. Federal Credit Union NCUA insured?

What is the highest CD rate at R.I.A. Federal Credit Union?

What CD terms does R.I.A. Federal Credit Union offer?

What is the highest savings rate at R.I.A. Federal Credit Union?

What is the highest money market rate at R.I.A. Federal Credit Union?

What is the highest checking rate at R.I.A. Federal Credit Union?

What is the lowest auto loan rate at R.I.A. Federal Credit Union?

What is the lowest personal loan rate at R.I.A. Federal Credit Union?

How many branches does R.I.A. Federal Credit Union operate?

Is a member application needed to join R.I.A. Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does R.I.A. Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do R.I.A. Federal Credit Union rates compare?

Current R.I.A. Federal Credit Union Rates

Compare to Other Credit Unions