R.i.a. Credit Union Wilton IA | Best Auto Loans & Business Banking

Introduction

Welcome to R.i.a., your trusted financial partner located at 1111 W 5Th St, Wilton, IA 52778. Since our establishment in 1935, we have proudly served the community with dedication and commitment, growing our membership to over 40,429 individuals who count on us for their banking needs. With a robust asset base of $607,261,538, we offer a variety of services tailored to help you achieve your financial goals. At R.i.a., we understand that every member's journey is unique. Whether you're seeking personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, or need support for your business through our merchant services and business loans, we are here to help. Our total deposits amount to $14,129,844, reflecting the trust our members place in us as we work together towards financial success. Led by our dedicated CEO, James Watts, and Board President, John Masengarb, our team of 138 employees is committed to providing exceptional service. We pride ourselves on our strong net worth of $53,970,774 and the cash resources available to meet your needs currently totaling $4,801,178. While you can visit us at our branch for all your banking inquiries and transactions including access to an ATM and drive-thru services official correspondence should be sent to the same address: 1111 W 5th St, Wilton, IA 52778. Join us today and experience the difference at R.i.a.! Call us at 563-732-3646 or visit our website at riafcu.com to learn more about how we can serve you better. We look forward to being part of your financial journey!

Branch History & Mission

Welcome to R.i.a., a cornerstone of financial support in Wilton, IA. Established in 1935, our branch has grown alongside the community, nurturing relationships and fostering financial well-being for over 88 years. We proudly serve our members from our location at 1111 W 5th St, where we have become a trusted partner for countless individuals and families. From humble beginnings, R.i.a. has evolved into a thriving credit union with a total membership of 40,429 and assets exceeding $607 million. Our journey is marked by a commitment to providing personalized service and innovative financial solutions that cater to the diverse needs of our community. Our mission is clear: to empower our members with the tools and resources they need to achieve their financial goals while supporting local initiatives that enrich the lives of those around us. While you can visit us at our branch address, official correspondence should be directed to our mailing address at 1111 W 5th St, Wilton, IA 52778. This ensures that your communications reach us promptly and efficiently. Our operating hours reflect our dedication to convenience: we're open Monday through Thursday from 8:00 AM to 5:00 PM, Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. Whether you prefer in-person visits or utilizing our online banking services, we are here to make your banking experience as accessible as possible. With features like ATM availability and drive-thru banking options, we strive to meet your needs wherever you are. At R.i.a., we believe in giving back to the community that has supported us throughout the years. Our partnerships with local organizations highlight our commitment not just to financial services but also to community welfare. We actively participate in outreach programs aimed at enhancing education and promoting financial literacy among residents of Wilton and beyond. As we look ahead, we invite you to join our growing family at R.i.a. Experience firsthand the benefits of membership with a credit union that truly values its members' success. Visit us today or explore more about joining at Ria's website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At R.i.a., we prioritize accessibility for all members. Our branch is fully ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us without hassle. You'll find ample parking right outside, making it easy to pop in whether you're driving through or walking.

Convenient Location

Nestled in the heart of Muscatine County, our branch is just a stone's throw away from local favorites like Wilton High School and the bustling downtown area. This prime location ensures that you can easily fit your banking needs into your busy day.

Get in Touch

Have questions or want more information? Feel free to give us a call at 563-732-3646. Our friendly staff is ready to assist you with any inquiries or concerns. Come visit us at R.i.a. we can't wait to serve you!

Operating Hours

We know that life can get busy, so we strive to offer flexible hours to suit your schedule. Our lobby is open Monday through Thursday from 8:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday mornings from 9:00 AM to 12:00 PM. Our dedicated team is here during these hours to assist with everything from personal banking needs to inquiries about our various loan options.

Services Offered

At R.i.a., we provide a range of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we have the tools to help you achieve your financial goals. Plus, with our drive-thru banking option, you can handle simple transactions without leaving your car perfect for those days when you're on the go! If you need cash quickly, you'll be pleased to know that we have an ATM available at our location for easy withdrawals and balance checks.

Member Eligibility

Joining the R.i.a. family means becoming part of a welcoming community that truly values its members. At our branch located at 1111 W 5Th St Wilton Ia 52778, we believe in making banking accessible and supportive for everyone. To become a member, you simply need to meet a few friendly eligibility criteria. If you're a resident of our local area or work here, you're likely eligible to join us! For those curious about specific requirements, I invite you to check out the details on our website at https://www.riafcu.com/resources/how-do-i-become-a-member/. Becoming a member is not just about opening an account; it's about gaining access to a range of services designed to improve your financial well-being. Whether you're looking for personal loans, checking accounts, or even mortgage options, R.i.a. is here for you every step of the way. Ready to get started? You can easily open an account online by visiting https://www.riafcuhb.com/tob/live/usp-core/app/register or give us a call at (563) 732-3646 if you have any questions. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we have not yet issued member commercial loans, we proudly offer $38 in non-member commercial loans. This flexibility provides essential financing solutions for businesses looking to expand their operations or tackle new opportunities.

Merchant Services

In addition to loans, our merchant services empower you to streamline your transactions and enhance customer satisfaction. Imagine running a busy café where customers can pay quickly and easily through multiple payment options. With our merchant services, you can accept credit cards, mobile payments, and more, giving your patrons a hassle-free experience that keeps them coming back. If you're ready to take your business to the next level, visit us at 1111 W 5Th St, Wilton, IA 52778, or give us a call at 563-732-3646. Let's work together to build your vision into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

For those looking to get on the road, our auto loans and vehicle financing options are designed with you in mind. Whether you're purchasing a new car or refinancing an existing loan, we provide competitive rates that fit within your budget. Picture driving off in your new vehicle without the stress of overwhelming payments.

Business Banking

If you're a business owner, we have tailored solutions just for you! Our business banking services include merchant services and business loans designed to support your growth and success.

Convenient Access

In addition to our traditional banking services, we understand the importance of convenience in today's world. Our online and mobile banking platforms allow you to manage all these services anytime, anywhere. Plus, with our ATM access for quick cash withdrawals and basic drive-thru service for simple transactions, managing your money has never been easier. Our friendly staff at R.i.a. is eager to assist you with any questions about these services or how they can best serve your needs. Visit us during our operating hours: Monday-Thursday from 8:00 AM to 5:00 PM, Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. Ready to take the next step? Contact us today at (563) 732-3646 or explore more on our website at 8. Your financial future starts here!

Credit Cards with Rewards

Make everyday purchases rewarding with our credit cards that offer various benefits and cash-back options. Use them wisely, and watch how quickly points add up for travel rewards or statement credits!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans come with flexible terms and competitive interest rates. We guide you through every step of the process, from pre-approval to closing. If you already own a home, consider our refinancing options that can lower your monthly payments or help you tap into your home's equity.

Personal Banking

Starting with personal banking, we offer both checking and savings accounts designed to help you manage your everyday finances. Imagine having the peace of mind that comes with knowing your money is safe and easily accessible whenever you need it. Our accounts feature online banking capabilities, allowing you to check balances and make transfers right from your phone or computer.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way medical bills, home repairs, or education costs. That's where our personal loans come in handy. We also assist members with debt consolidation to simplify their payments and potentially lower interest rates. Imagine having just one easy payment each month instead of juggling multiple debts.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services, you can check your account balance, view transaction history, and manage your funds from the comfort of your home or on the go. Simply visit https://www.riafcu.com/ to log in and start taking control of your finances. Whether it's day or night, your accounts are just a click away.

Convenient Features for Everyday Needs

Need to send money to a friend? Our person-to-person transfer feature makes it simple to send funds quickly and easily. Plus, if you're always on the move, you can download our mobile application to access all these features right from your smartphone. Unfortunately, mobile payments are not available at this time, but we're continually looking for ways to improve your experience.

Paperless Options for Ease

Say goodbye to clutter with our e-statements! You can receive electronic statements directly to your inbox no more waiting for the mail. It's an eco-friendly way to keep track of your finances while enjoying the peace of mind that comes from going paperless.

Security You Can Trust

We prioritize your security with features like electronic signature authorization, ensuring that all transactions are safe and verified. Your sensitive information is protected with industry-standard security measures, allowing you to bank with confidence. In summary, R.i.a. offers modern digital banking solutions tailored for convenience and security. Dive into a world where managing your money is straightforward and accessible every day!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 73,505, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 1111 W 5Th St Wilton Ia 52778 or call (563) 732-3646 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our impressive $681,093 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 129 full-time employees and 9 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Your Future

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 robust lending capacity supports your financial goals across various sectors with $6,530 in used auto loans and $463,211,365 in total loans and leases.

Strong Financial Health

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. Whether you are purchasing a brand-new model or a reliable used car, our team is here to guide you through the process.

Credit Lines and Unsecured Loans

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. In addition, our total credit lines amounting to $48,774,436 provide additional support for those looking for extra flexibility in their borrowing options. If you're considering refinancing any existing loans or need assistance determining your eligibility for one of our products, our knowledgeable staff is ready to assist you every step of the way. For more information about our loan offerings or to discuss your financial goals with us directly, please call us at 563-732-3646. We are here Monday through Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 6:00 PM; Saturday hours are from 9:00 AM to 12:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At R.i.a., we're dedicated to providing the tools you need for your financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $59,045,468, make buying or refinancing simple. We provide flexible terms and expert guidance to help you navigate the home financing process seamlessly.

Loan Aggregator

Accurate Loan 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 fair and transparent offers for all users. By relying on verified data, LendMesh guarantees that users are viewing legitimate loan options that reflect current market conditions.

Benefits of Using LendMesh

- Verified Data: Loan offers come from trusted financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus is solely on delivering unbiased results to users. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly evaluate their options and choose what best fits their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of the platform in delivering valuable insights and savings. Ready to explore your loan options? 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 - Wilton, IA

Compare Loan Rates Near You

Loan rates in Wilton, IA (52778)