R.i.a. Credit Union Moline IL | Affordable Vehicle Loans & ATM Services

Introduction

Community Commitment

We pride ourselves not only on our robust financial performance but also on our dedication to the community. Our friendly staff of 138 employees, led by CEO James Watts and Board President John Masengarb, works tirelessly to ensure that your banking experience is exceptional. We offer various products including personal checking and savings accounts, auto loans, mortgage options, and credit cards with rewards designed to benefit our members directly. While members can visit us at our Moline branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 4750, Rock Island, IL 61204-4750.

Join Us Today!

We invite you to explore how R.i.a. can enhance your financial journey. Whether you're looking for competitive loan rates or personalized service from a local team that cares about your success, we're here for you. Don't hesitate to reach out via phone at 563-355-3800 or visit us online at riafcu.com. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

Our dedication to community support runs deep. We actively participate in local events and outreach programs that foster growth and development within Moline and its neighboring areas. Collaborating with local organizations allows us to understand the needs of our community better and provide targeted support where it's needed most.

Looking Forward

As we continue to evolve with advancements in technology while ensuring compliance with ADA standards, we remain focused on enhancing the member experience through online banking services and mobile applications. Our goal is always to put our members first. We invite you to join R.i.a. today and experience firsthand how we can assist you on your financial journey. Explore the benefits of membership and see how we can make a difference together! For inquiries or assistance, feel free to call us at 563-355-3800 or visit our website at riafcu.com. Let's build a brighter future together!

Our Mission

At R.i.a., our mission is clear: we strive to empower our members by providing exceptional financial services while fostering community growth. We understand that each member's financial journey is unique, which is why we offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our commitment goes beyond just numbers; we believe in making a real impact in the lives of our members. While members can visit us at 4460 16th St for all their banking needs, official correspondence should be sent to PO Box 4750, Rock Island, IL 61204-4750.

Branch Location & Accessibility

Operating Hours

We understand that life gets busy! That's why we offer flexible operating hours designed to fit into your schedule. You can visit us Monday through Tuesday and Thursday from 8:30 AM to 5:00 PM, with extended hours on Friday until 6:00 PM. On Saturdays, we're open from 8:30 AM to 1:00 PM perfect for those weekend errands!

Parking & Accessibility

At R.i.a., we prioritize accessibility for all our members. Our branch features ample parking and is equipped with ADA-compliant facilities, including ramps and accessible entrances, ensuring everyone can enjoy our services without hassle. If you're in a hurry, take advantage of our drive-thru banking option for quick deposits and withdrawals.

Services Offered

At R.i.a., we provide a variety of banking services tailored just for you. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got everything you need under one roof. Our ATM is available for cash withdrawals and balance checks whenever you need it.

Visit Us Today!

Ready to experience the convenience of R.i.a.? Give us a call at 563-355-3800 or stop by during our operating hours. We look forward to welcoming you into our branch and assisting you with all your financial needs!

Member Eligibility

Becoming a member of R.i.a. is like joining a welcoming family that prioritizes your financial well-being. We believe everyone deserves access to quality banking services, and membership is open to anyone who lives, works, worships, or attends school in the Moline area. If you're looking for a supportive community that offers personalized service and a range of financial products, you've come to the right place! To learn more about the specific eligibility criteria, feel free to check out our detailed page at https://www.riafcu.com/resources/how-do-i-become-a-member/ . Opening an account is straightforward and designed with you in mind. All you need to do is visit our website at https://www.riafcuhb.com/tob/live/usp-core/app/register to get started. If you have any questions or need assistance along the way, don't hesitate to give us a call at (563) 355-3800. We're here to help you every step of the way as you embark on this exciting journey with R.i.a.!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $38 in non-member commercial loans, providing flexible financing solutions. Imagine having access to the funds you need for inventory, equipment, or even a new location. Our loans can help you turn those ideas into reality and drive your success forward.

Merchant Services for Everyday Transactions

In addition to loans, we offer merchant services designed to make transactions easier for you and your customers. Whether it's accepting credit cards or managing payments online, our solutions can streamline your operations. This means less time worrying about payment processing and more time focusing on what you do best running your business. Visit us at 4460 16Th St, Moline, IL 61265, or give us a call at 563-355-3800 to learn how R.i.a. can partner with you in achieving your business goals!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we offer tailored Business Banking services including merchant services and business loans designed to support your growth and success. We recognize the unique needs of businesses and strive to provide the resources necessary for thriving operations.

Community-Centric Approach

Located at 4460 16Th St Moline Il 61265, we pride ourselves on being more than just a financial institution; we are part of the community. Our friendly staff is always ready to assist you at every step of your financial journey. You can reach us at (563) 355-3800 if you have questions or need assistance. Whether you're just starting out on your financial journey or looking for advanced banking solutions, R.i.a. has something for everyone. Visit us today and discover how we can help make managing your finances easier and more rewarding! For more information about our services or to open an account online, please visit our website. We look forward to serving you!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why R.i.a. offers robust Online & Mobile Banking features. Manage your accounts from anywhere with ease! You can perform transactions, check balances, and even transfer money between accounts using our user-friendly platform. Our ATM services ensure that you have quick access to cash whenever you need it, along with basic drive-thru banking for deposits and simple transactions.

Lending Options

Life can throw unexpected expenses your way, which is why we provide Personal Loans & Debt Consolidation solutions to help you regain control of your financial situation. Additionally, our credit cards come with rewarding benefits, making it easier for you to earn while spending.

Personal Banking Solutions

We understand that managing your money effectively is crucial. That's why we offer Personal Banking options like checking and savings accounts that help you keep track of your finances. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing can assist you in making that dream a reality, often with competitive rates that fit your budget. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are here to guide you through the process smoothly.

Digital & Online Banking

Key Services

Our online banking features allow you to check your account balances, view transaction history, and transfer money all from the comfort of your home or on the go. You can easily set up e-statements, so you can keep track of your finances without the clutter of paper statements. Plus, with our person-to-person transfer option, sending money to friends or family is just a few clicks away. If you're always on the move, our mobile application makes banking even more convenient. Whether you're paying bills or checking your balance, everything is right at your fingertips. Although we currently do not support mobile payments, we are committed to providing a user-friendly experience that prioritizes your security and convenience.

Security and Accessibility

Security is our top priority. Our online services use advanced encryption technology to protect your personal information. You can bank with confidence knowing that your data is safe. Additionally, while electronic signature authorization is not available at this time, we ensure that all transactions are straightforward and secure. At R.i.a., we believe in making banking accessible for everyone. Our digital services are designed to fit seamlessly into your busy life, allowing you to manage your accounts in real-time with ease. Experience the freedom of banking on your terms explore all our digital offerings today!

Financial Strength

Commitment to Growth

We also take pride in having $49,455,643 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $6,530 in used auto loans and $463,211,365 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings Options

Your savings are secured through $149,301,646 in share certificates and $111,683,112 in money market shares, which provide 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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our performance is reflected in our $1,147,240, showcasing our operational efficiency. This success enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we have 129 full-time employees and 9 part-time employees dedicated to serving you with a knowledgeable and committed team.

Strong Capital Position

With a net worth of $53,970,774, we maintain robust financial health. This solid position enables us to offer better rates, lower fees, and enhanced member services. Furthermore, our net worth ratio of $884 demonstrates a strong capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partnership

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 4460 16Th St Moline Il 61265 or call (563) 355-3800 to learn more about how we can help you achieve your financial goals.

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're eyeing a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Lines and Unsecured Loans

For those who need more flexibility in managing their finances, we also offer credit lines totaling $48,774,436. This allows you to borrow only what you need when you need it. Additionally, we provide unsecured credit card loans with a total of $13,167,606, offering convenient payment options and rewards that can benefit your everyday spending. If you're considering refinancing any existing loans or exploring eligibility options for our various products, please reach out to us at 563-355-3800. Our experienced team is ready to guide you through the process and find the best solutions for your needs. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit us at R.i.a. today or explore our services online at riafcu.com to learn more about how we can assist you in reaching your financial goals!

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 tailored solutions that fit your budget and help you secure your dream home without unnecessary stress.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help users make informed financial decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing data 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 means that users can trust the offers they see are fair and transparent. Each loan option displayed is backed by verified data, giving you peace of mind as you navigate your borrowing options. One of the standout features of LendMesh is its commitment to unbiased results. There are no sponsored listings; lenders are not prioritized based on paid promotions. Instead, all loan offers are presented equally, allowing users to choose based on their specific needs rather than marketing influences. Additionally, LendMesh provides real-time rate comparisons, ensuring that users have access to the most current rates available across multiple institutions. 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!" This kind of feedback highlights how effective and user-friendly LendMesh can be in helping individuals secure better loan terms. 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