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%

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R.I.A. Federal Credit Union

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

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

R.I.A. Federal Credit Union's top rates as of October 9, 2026 are 3.92% APY on its 6 Month CD, 2.00% APY on savings, 2.02% APY on money market accounts, 2.00% APY on checking, 6.25% on its 5/1 Adjustable-Rate Mortgages (ARM), and personal loans from 11.00% APR, according to rates verified by MonitorBankRates. Other R.I.A. Federal Credit Union CD rates include 12 Month CD at 3.66%, 12 Month CD at 3.65%, and 18 Month CD at 3.45%. Other R.I.A. Federal Credit Union mortgage rates include 5 Year ARM at 6.25%, 7 Year ARM at 6.38%, and 10 Year ARM at 6.75%. 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 10/09/2026.

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 Q2 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

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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
6 Month Share Certificate	3.85%	3.92%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
12 Month Share Certificate	3.60%	3.66%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.66% ▲ 0.01 pts · high 3.66% / low 3.65% Oct 9, 20263.66%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
12 Month Share Certificate	3.60%	3.65%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
18 Month Share Certificate	3.40%	3.45%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
60 Month Share Certificate	3.00%	3.03%	60 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
36 Month Share Certificate	2.90%	2.93%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.93% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
24 Month Share Certificate	2.85%	2.88%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.88% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
9 Month Share Certificate	2.50%	2.53%	9 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
24 Month Share Certificate	2.25%	2.27%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.88% → 2.27% ▼ 0.61 pts · high 2.88% / low 2.27% Oct 9, 20262.27%▼ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Variable Share Certificate	0.25%	0.25%	Variable
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
91 Day Share Certificate	0.20%	0.20%	91 Days
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 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%
Min Balance $5,000 Details Balance: up to $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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: over $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 0.10% ▼ 1.90 pts · high 2.00% / low 0.10% Sep 21, 20260.10%▼ from 2.00% Sep 14, 20262.00%first recorded 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 3 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 3 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 3 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 3 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 Balance: over $500k Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.02% APY · checked 3 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 Balance: $250k - $500k Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.51% APY · checked 3 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 Balance: $100k - $250k Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.26% APY · checked 3 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 Balance: $50k - $100k Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 3 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 Balance: $25k - $50k Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.80% APY · checked 2 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%
Min Balance $15,000 Details Balance: up to $15,000.00 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Smart Checking	0.10%	0.10%
Min Balance $15,000 Details Balance: over $15,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Smart Checking	-	0.05%
Min Balance $0 Details Qualifications Required: 12 debit card purchases posted and settled; enrollment in eStatement notice; one automatic payment (ACH) or direct deposit posted and settled; 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. Balance: $0.00 - $15,000.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 3 times 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 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

R.I.A. Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/1 Adjustable-Rate Mortgages (ARM)	6.25%	-	6.25%	60 months
Details The maximum lifetime cap is 6%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
5 Year ARM	6.25%	-	6.442%	5 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.56% → 6.44% ▲ 0.88 pts · high 6.44% / low 5.56% Sep 25, 20266.44%▲ from 5.56% Sep 14, 20265.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
7 Year ARM	6.375%	-	6.569%	7 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.56% → 6.57% ▲ 1.01 pts · high 6.57% / low 5.56% Oct 9, 20266.57%▲ from 6.38% Sep 25, 20266.38%▲ from 5.56% Sep 14, 20265.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
10 Year ARM	6.75%	-	6.948%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.68% → 6.95% ▲ 1.26 pts · high 6.95% / low 5.68% Sep 25, 20266.95%▲ from 5.68% Sep 14, 20265.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
10 Year Fixed	7.50%	-	7.961%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.70% → 7.96% ▲ 1.26 pts · high 7.96% / low 6.70% Oct 9, 20267.96%▲ from 7.33% Sep 29, 20267.33%▲ from 6.70% Sep 14, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
15 Year Fixed	7.75%	-	8.084%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.70% → 8.08% ▲ 1.39 pts · high 8.08% / low 6.70% Oct 9, 20268.08%▲ from 7.45% Sep 29, 20267.45%▲ from 6.70% Sep 14, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
30 Year Fixed	7.875%	-	8.087%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.70% → 8.09% ▲ 1.39 pts · high 8.09% / low 6.70% Oct 9, 20268.09%▲ from 7.71% Sep 29, 20267.71%▲ from 6.70% Sep 14, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
20 Year Fixed	7.875%	-	8.147%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.14% → 8.15% ▲ 1.01 pts · high 8.15% / low 7.14% Oct 9, 20268.15%▲ from 7.64% Sep 29, 20267.64%▲ from 7.14% Sep 14, 20267.14%first recorded 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 Lines of Credit	6.65%	-	6.65%
Details Rates as low as 6.650% 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. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Home Equity Variable HELOC 80% LTV	6.49%	-	6.65%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Home Equity Variable HELOC 100% CLTV	7.49%	-	7.654%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.65% APR 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
2020-2027 Vehicle Loans	-	-	5.24%	24-48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Vehicle Loans	-	-	5.24%	49-66 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Vehicle Loans	-	-	5.24%	67-75 Months11
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 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%	76-84 Months11
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 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%	67-75 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Vehicle Loans	-	-	5.24%	76-84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Auto Loan	5.24%	-	5.24%	48-month
Details 67-75-month financing available only on loans of $12,000 or more only on 2020-2027 model year. 76-84-month financing available only on loans of $20,000 or more only on 2020-2027 model year. Last Updated 10/09/2026 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 Loan - 2017-2019 Loan	-	-	5.24%	24-66 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle - 2017-2019 Loan	-	-	5.24%	24-66 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Auto Loan	-	-	6.69%	Up to 66 Months
Details Model Year: 2020-2027; Footnote: 11 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.94% → 6.69% ▼ 0.25 pts · high 6.94% / low 6.69% Oct 9, 20266.69%▼ from 6.94% Sep 21, 20266.94%▲ from 6.69% Sep 17, 20266.69%▼ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Auto Loan - 2006-2016 Loan	-	-	6.74%	24-54 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle - 2006-2016 Loan	-	-	6.74%	24-54 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Auto Loan	-	-	6.94%	Up to 66 Months
Details Under $25,000; Model Year: 2020-2027; Amount: Under $25,000; Footnote: 11 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.94% → 6.94% ▼ 0.00 pts · high 6.94% / low 6.69% Sep 21, 20266.94%▲ from 6.69% Sep 17, 20266.69%▼ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	6.94%	Up to 66 Months
Details Model Year: 2020-2027 Under $25,000; Footnote 11 Last Updated 10/09/2026 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%
2020-2027 Auto Loan	-	-	7.44%	67-75 Months
Details Over $25,000; Model Year: 2020-2027; Amount: Over $25,000; Footnote: 11 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.44% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	7.44%	67-75 Months
Details Model Year: 2020-2027 Over $25,000; Footnote 11 Last Updated 10/09/2026 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%
2006-2019 Auto Loan	-	-	8.69%	Up to 66 Months
Details Model Year: 2006-2019; Footnote: 11 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 8.94% → 8.69% ▼ 0.25 pts · high 8.94% / low 8.69% Oct 9, 20268.69%▼ from 8.94% Sep 21, 20268.94%▲ from 8.69% Sep 17, 20268.69%▼ from 8.94% Sep 14, 20268.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2006-2019 Auto Loan	-	-	8.94%	Up to 66 Months
Details Under $25,000; Model Year: 2006-2019; Amount: Under $25,000; Footnote: 11 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 8.94% → 8.94% ▼ 0.00 pts · high 8.94% / low 8.69% Sep 21, 20268.94%▲ from 8.69% Sep 17, 20268.69%▼ from 8.94% Sep 14, 20268.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	8.94%	Up to 66 Months
Details Model Year: 2006-2019 Under $25,000; Footnote 11 Last Updated 10/09/2026 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%
2006-2019 Auto Loan	-	-	10.44%	67-75 Months
Details Over $25,000; Model Year: 2006-2019; Amount: Over $25,000; Footnote: 11 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.44% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loan	-	-	10.44%	67-75 Months
Details Model Year: 2006-2019 Over $25,000; Footnote 11 Last Updated 10/09/2026 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%

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

Product	Rate	APR	Term
Boats / Motors / Trailers Loan	6.94%	6.94%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Motorcycles / ATVs / Snowmobiles Loan	6.94%	6.94%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 Motorcycles Only Loan	-	7.19%	2027 months
Details Over $20,000; Model Year: 2020-2027; Footnote: 11 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2020-2027 RVs or Boats Only Loan	-	7.94%	76-120 Months
Details Over $25,000; Model Year: 2020-2027; Type: RVs or Boats Only; Amount: Over $25,000; Footnote: 11 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.94% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
RV or Boat Loan	-	7.94%	76-120 Months
Details Model Year: 2020-2027 RVs or Boats Only Over $25,000; Footnote 11 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2006-2019 Motorcycles Only Loan	-	10.19%	2019 months
Details Over $20,000; Model Year: 2006-2019; Footnote: 11 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
2006-2019 RVs or Boats Only Loan	-	10.94%	76-84 Months
Details Over $25,000; Model Year: 2006-2019; Type: RVs or Boats Only; Amount: Over $25,000; Footnote: 11 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.94% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
RV or Boat Loan	-	10.94%	76-84 Months
Details Model Year: 2006-2019 RVs or Boats Only Over $25,000; Footnote 11 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.94% APR 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 11.00% APR · checked 4 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
2025-2027 Only Loan	-	-	10.69%	76-84 Months
Details Over $25,000; Model Year: 2025-2027; Footnote: 11 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Classics (50 years old minimum) Loan	-	-	7.74%	50 Years
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Business Share	0.10%	-	0.10%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Smart Checking	-	-	0.10%
Min Balance $15,000 Details Qualifications Required: 12 debit card purchases posted and settled; enrollment in eStatement notice; one automatic payment (ACH) or direct deposit posted and settled; 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Smart Checking	-	-	2.00%
Min Balance $15,000 Details Qualifications Required: 12 debit card purchases posted and settled; enrollment in eStatement notice; one automatic payment (ACH) or direct deposit posted and settled; 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. Balance: $15,000.01 and over Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Super Share Account	0.40%	-	0.40%
Min Balance $0 Details Balance: up to $10k Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 3 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 3 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 3 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
X-Tra Kash Account	0.10%	-	0.10%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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.
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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

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

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

Customer Reviews

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

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.

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 October 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 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 Mortgage 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

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?

Current R.I.A. Federal Credit Union Rates

Compare to Other Credit Unions