R.i.a. Credit Union Davenport IA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to R.i.a., your trusted financial partner located at 3509 N Harrison St, Davenport, IA 52806. Established in 1935, we have proudly served our community for over eight decades, growing alongside our members and adapting to their needs. With a strong membership base of 40,429 individuals, we are dedicated to providing personalized services that foster financial well-being. At R.i.a., we believe in the power of community and the importance of making financial services accessible and trustworthy. Our total assets of $607,261,538 reflect our commitment to stability and growth for our members. We offer a wide range of products from checking and savings accounts to auto loans and mortgages designed to help you achieve your financial goals. With total deposits amounting to $14,129,844, our members can rest easy knowing their money is safe with us. Leadership plays a vital role in shaping our mission. Under the guidance of CEO James Watts and Board President John Masengarb, R.i.a. continues to prioritize the needs of its members while maintaining a solid net worth of $53,970,774. Our dedicated team of 138 employees is here to provide exceptional service every step of the way. While you can visit us at our branch for all your banking needs, please remember that official correspondence should be directed to our mailing address: PO Box 4750, Rock Island, IL 61204-4750. We invite you to explore everything R.i.a. has to offer by visiting our website at riafcu.com. Whether you're looking for assistance with loans or simply want to learn more about how we can support your financial journey, don't hesitate to reach out! Call us today at 563-355-3800 or stop by during our convenient operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to 1:00 PM. Join us as we continue building a brighter financial future together!

Branch History & Mission

Welcome to R.i.a., a cornerstone of financial support in Davenport, IA. Established in 1935, R.i.a. has a rich history that reflects our commitment to our members and the community. Over the years, we have grown from a small credit union into a thriving institution with total assets reaching an impressive $607,261,538 and a dedicated membership of 40,429 individuals. Located at 3509 N Harrison St, our branch is easily accessible and surrounded by familiar landmarks that make it a convenient stop for your banking needs. Whether you're visiting us for personal banking services or seeking guidance on auto loans and mortgages, our friendly team is here to assist you. At R.i.a., our mission is simple yet profound: to empower our members through reliable financial services while fostering a supportive community environment. We strive to offer not only traditional banking products but also innovative solutions like online and mobile banking, ensuring that your financial journey is as smooth as possible. While members can visit us at 3509 N Harrison St, official correspondence should be sent to PO Box 4750, Rock Island, IL 61204-4750. Our operating hours are designed with your convenience in mind: Monday through Tuesday and Thursday from 8:30 AM to 5:00 PM, Wednesday from 11:00 AM to 5:00 PM, and Friday from 8:30 AM to 6:00 PM. We pride ourselves on being a fully inclusive organization. Our facilities are ADA compliant, ensuring that everyone can access our services without barriers. Additionally, we offer drive-thru banking for quick transactions and ATM availability for easy cash withdrawals. Community involvement is at the heart of what we do. We partner with local organizations to support initiatives that uplift those around us, demonstrating our commitment not just to financial success but also to social responsibility. If you're looking for a credit union that truly values its members and invests in the community, consider joining R.i.a. Experience firsthand how we can help you achieve your financial goals while making a positive impact on the world around you. For more information about membership and services, feel free to call us at 563-355-3800 or visit our website at riafcu.com. Join us today!

Branch Location & Accessibility

Accessibility Features

At R.i.a., we understand the importance of accessibility. Our branch is fully ADA compliant, featuring ramps and ample parking to ensure all members can visit us comfortably. If you prefer not to enter the branch, we offer a drive-thru banking option for quick and simple transactions without leaving your vehicle.

Nearby Landmarks

Situated conveniently near local landmarks, R.i.a. is close to popular spots like the Davenport Public Library and the NorthPark Mall. This makes us an easy stop during your errands or while enjoying a day out in town!

Operating Hours

We want to be there for you when you need us! Our lobby hours are Monday, Tuesday, and Thursday from 8:30 AM to 5:00 PM, Wednesday from 11:00 AM to 5:00 PM, and Friday from 8:30 AM to 6:00 PM. On Saturdays, our drive-thru service is open from 8:30 AM until 1:00 PM. Feel free to call us at 563-355-3800 if you have any questions about our services or hours.

Services Offered

R.i.a. offers a wide range of services tailored to meet your financial needs from personal checking and savings accounts to auto loans and mortgages. We also provide online banking options for those who prefer managing their finances from home. While members can visit us at 3509 N Harrison St, official correspondence should be sent to PO Box 4750, Rock Island, IL 61204-4750 if needed. We invite you to come by R.i.a., where friendly service meets financial solutions. Whether you're looking for advice or simply need to withdraw cash from our ATM (which is available on-site), we're here for you!

Member Eligibility

At R.i.a., we believe that everyone deserves a supportive financial community. Becoming a member is straightforward and welcoming! If you live, work, or worship in our area, you can join us and enjoy the many benefits of membership. Whether you're looking for personalized banking services, great loan rates, or just a friendly place to manage your finances, we're here for you. For more details on eligibility criteria, feel free to check out our resource page at https://www.riafcu.com/resources/how-do-i-become-a-member/. Ready to take the next step? Opening an account with us is easy! You can start your journey by visiting our account opening page at https://www.riafcuhb.com/tob/live/usp-core/app/register. If you have any questions or need assistance, don't hesitate to call us at (563) 355-3800. We're excited to welcome you into the R.i.a. family!

Business Banking & Commercial Services

Loan Options for Every Need

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $38 in non-member commercial loans, providing flexible financing solutions. Imagine a local café looking to upgrade its equipment or a retail store needing funds for seasonal inventory; we're here to help make those visions a reality.

Merchant Services Made Easy

In addition to loans, we offer practical merchant services that simplify transactions. Picture this: your customers can pay easily with various options, making their experience smoother and enhancing customer satisfaction. This not only boosts sales but also helps build lasting relationships with your clientele. At R.i.a., located at 3509 N Harrison St Davenport Ia 52806 in Davenport, IA, we're dedicated to being more than just a financial institution we're your partner in success. Reach out to us at (563) 355-3800 to learn how we can help your business thrive!

Comprehensive List Of Services

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options that allow you to access your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills, everything is just a few clicks away. Additionally, our ATM & Cash Withdrawal Services ensure that you can access your cash whenever you need it. With drive-thru banking available for quick deposits and withdrawals, getting banking done has never been easier. If you have questions or need assistance with any of our services, don't hesitate to call us at 563-355-3800. Our friendly team is here to help during lobby hours from Monday to Friday and even on Saturday mornings! At R.i.a., we believe in supporting our community by offering comprehensive financial solutions tailored just for you. Explore all that we have to offer today by visiting us at riafcu.com and take the first step toward achieving your financial goals!

Empowering Local Businesses

We also cater to small businesses through our Business Banking services. From merchant services to business loans, we provide the tools necessary for local entrepreneurs to thrive in Davenport and beyond.

Home Financing Solutions

For those thinking about buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services provide flexible terms and personalized assistance. We aim to simplify the process so you can focus on what really matters making your new house a home.

Personal Banking Made Easy

Whether you're opening your first checking account or looking for a reliable savings option, our Personal Banking services have you covered. With checking and savings accounts tailored for every lifestyle, you can easily manage your day-to-day transactions while saving for the future. If you're considering purchasing a new car, our Auto Loans & Vehicle Financing options offer competitive rates that make driving off in your dream vehicle a reality.

Rewards That Matter

Our Credit Cards with Rewards allow you to earn points on everyday purchases. It's like getting paid back for spending! You can enjoy perks that enhance your shopping experience while keeping track of your finances effortlessly.

Support for Your Financial Goals

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services help you tackle those challenges head-on. Whether it's consolidating debt or financing a special project, we work with you to find solutions that fit your budget.

Digital & Online Banking

Mobile Access

For those who prefer using their smartphones, our mobile application is here to help. With it, you can manage your accounts right from your pocket. While mobile payments are not currently available, our app still gives you access to essential features like account monitoring and transaction history. Security is also a top priority for us at R.i.a.. Although we don't use electronic signature authorization at this time, rest assured that all online transactions are protected with robust security measures. Your peace of mind matters. In summary, whether you're using our website or mobile app, managing your finances has never been easier or more secure at R.i.a.. Join us today and experience the convenience of modern banking!

Online Banking Services

Accessing your accounts is easy with our 24/7 online banking service available at https://www.riafcu.com/. Whether you want to check your balance, transfer funds, or pay bills, everything you need is just a click away. Our user-friendly platform ensures you can navigate through your options without any hassle.

Real-Time Management

Need to send money to a friend? With our person-to-person transfer feature, it's as easy as sending a text! You can quickly and securely send money to anyone with just a few taps on your screen. Plus, if you're looking for paperless convenience, we offer e-statements that allow you to view your account statements online no more clutter from paper statements!

Financial Strength

Commitment to Growth

With $49,455,643 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $6,530 in used auto loans and $463,211,365 in total loans and leases. Our operational efficiency is reflected in our $681,093, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 129 full-time employees and 9 part-time employees who are always ready to assist you with knowledgeable service.

Member Trust

Total Share and Deposit Accounts: 73,505, showing a strong and growing member base that trusts us with their finances. This trust allows us to manage $0 effectively while continuing to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, R.i.a. is your trusted partner. Visit us at 3509 N Harrison St Davenport Ia 52806 or call (563) 355-3800 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $149,301,646 in share certificates and $111,683,112 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $43,755,023, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Foundation

With a net worth of $53,970,774, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.84% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $80,475,830 in used vehicle loans and $87,177,299 in new vehicle loans already helping members get on the road, we make financing your next vehicle easy and affordable. Whether you're interested in a brand-new model or a reliable used option, we have flexible terms and competitive rates that fit your budget.

Credit Lines

For those who need extra flexibility in their finances, our total credit lines amount to $48,774,436. This service is perfect for unexpected expenses or planned purchases that require additional support. If you're considering refinancing any existing loans or exploring eligibility options for our products, don't hesitate to reach out! Our knowledgeable staff can guide you through the process and help determine what works best for your financial situation. To learn more about our loan offerings or to speak with a representative directly, call us at 563-355-3800. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let R.i.a. assist you in achieving your financial dreams today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $59,045,468, making buying or refinancing simple. We pride ourselves on offering straightforward processes and supportive guidance to help you secure your dream home.

Unsecured Credit Card Loans

Managing everyday expenses? We also offer flexible terms on unsecured credit card loans, with a total of $13,167,606 in loans helping members manage their finances effectively. This option gives you access to funds when you need them without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

LendMesh provides several key benefits that build trust with users: - Verified Data: All loan offers come from reputable financial institutions, ensuring you receive transparent information. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to deliver unbiased results. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions tailored to their financial needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that the offers displayed are fair and transparent. By using verified data from legitimate financial institutions, LendMesh maintains high standards for accuracy in loan comparisons.

Take Action Today

Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

R.I.A. FEDERAL CREDIT UNION - Davenport, IA

Compare Loan Rates Near You

Loan rates in Davenport, IA (52806)