R.i.a. Credit Union Rock Island IL | Quick Personal Loans & ATM Services

Introduction

Welcome to R.i.a., your trusted financial partner located at the Rock Island Arsenal Building 61, Rock Island, IL 61299. Since our establishment in 1935, we have been dedicated to serving our community with a personal touch and reliable financial solutions. With a strong commitment to our members, we proudly support over 40,429 members and manage total assets of $607,261,538. At R.i.a., we understand that your financial needs are unique. That's why we offer a wide range of services tailored to help you achieve your goals whether it's securing an auto loan, opening a savings account, or exploring business banking options. Our total loans amount to 31,406, while our deposits stand at an impressive $14,129,844. We maintain a net worth of $53,970,774, ensuring stability and reliability for all our members. Our leadership team is here for you. Under the guidance of CEO James Watts and Board President John Masengarb, we strive to create an environment where every member feels valued and supported. With 138 employees ready to assist you from Monday to Friday between 7:30 AM and 4:30 PM, we're just a phone call away at 563-355-3800. While you can visit us at our branch location, if you need to send official correspondence, please use our mailing address: PO Box 4750, Rock Island, IL 61204-4750. Explore how R.i.a. can make a difference in your financial journey by visiting our website at riafcu.com. We invite you to reach out or stop by let's work together towards a brighter financial future!

Branch History & Mission

At R.i.a., our story is one of community, commitment, and growth. Founded in 1935, we have proudly served the Rock Island community for decades, becoming a trusted partner in financial well-being. Our branch, located at Rock Island Arsenal Building 61, Rock Island, IL 61299, has been a beacon of support for over 40,000 members who rely on us for their financial needs. As we evolved over the years, our mission has remained clear: to empower our members through accessible and reliable financial services while actively supporting our local community. With total assets reaching an impressive $607,261,538, we are dedicated to not just meeting but exceeding the expectations of those we serve. From the beginning, R.i.a. has prioritized member satisfaction and community involvement. We strive to provide a welcoming environment where everyone feels valued. Our operating hours from Monday to Friday, 7:30 AM to 4:30 PM, reflect our commitment to being available when you need us most. R.i.a. stands out not only for our robust range of services ranging from personal banking options like checking and savings accounts to auto loans and business banking but also for how we embrace modern technology. Our online banking platform allows members to manage their finances anytime and anywhere while ensuring ADA compliance so that all members can access our services easily. In addition to our financial offerings, we believe in giving back. Through various outreach programs and partnerships with local organizations, we work hard to uplift the community that has supported us throughout the years. While members can visit us at Rock Island Arsenal Building 61 for all their banking needs, official correspondence should be sent to PO Box 4750, Rock Island, IL 61204-4750. Join us at R.i.a., where your financial goals meet our commitment to service. Experience the difference that a credit union can make in your life today! For more information or to become a member, call us at 563-355-3800 or visit our website at www.riafcu.com.

Branch Location & Accessibility

Convenient Access and Features

At R.i.a., we prioritize your convenience. Our branch features dedicated parking for easy access and is designed with accessibility in mind. If you need assistance, our friendly staff is always ready to help. Our operating hours are Monday through Friday from 7:30 AM to 4:30 PM, allowing you plenty of time during the week to stop by and meet with our team. Feel free to call us at 563-355-3800 if you have any questions or need assistance before your visit.

Services Available

We offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, our goal is to provide valuable resources for every member. Plus, with ATM availability right here at the branch, accessing your cash is quick and easy. Although we don't have drive-thru banking services, our lobby is welcoming and designed for your comfort. Visit us today and discover how R.i.a. can support you on your financial journey! We can't wait to welcome you in person! Come see us soon at R.i.a., where we're committed to serving our community with care and dedication.

Member Eligibility

At R.i.a., we believe that joining our community is like opening the door to a world of support and financial empowerment. Becoming a member is straightforward, and we welcome anyone who meets our eligibility criteria. If you live, work, or worship in certain areas or are related to someone who does, you're likely eligible to join us! This means you can take advantage of all the wonderful benefits we offer, from personalized banking services to competitive loan rates. For more detailed information on membership requirements, feel free to check out our eligibility page at https://www.riafcu.com/resources/how-do-i-become-a-member/. Opening an account with us is just as easy! Simply visit our online account opening portal at https://www.riafcuhb.com/tob/live/usp-core/app/register, or give us a call at (563) 355-3800 if you have any questions. Our friendly team is here to help guide you through every step of the process. Join us today at our branch located at Rock Island Arsenal Building 61 Rock Island Il 61299, and let's work together towards your financial goals!

Business Banking & Commercial Services

Commercial Loan Options

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 securing funding for your next big project or expansion without the hassle of complicated processes. With us, you can focus on what truly matters running your business effectively.

Merchant Services

We also offer merchant services that simplify transactions for your business. Whether you're accepting payments in-store or online, our services ensure that your customers have a smooth experience, helping you increase sales and customer satisfaction. By choosing R.i.a. at Rock Island Arsenal Building 61 Rock Island Il 61299, Rock Island, IL, you're not just getting a bank; you're gaining a partner dedicated to your success. Reach out today at (563) 355-3800 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Accessing Services

At R.i.a., we value your time and strive to make banking easy. Our branch hours are Monday through Friday from 7:30 AM to 4:30 PM, so you can visit us at your convenience during the week. If you're unable to come by in person, feel free to reach us at 563-355-3800 for any inquiries or assistance. As part of our dedication to serving you better, we invite you to explore all our offerings on our website here. If you're ready to join our community or learn more about how we can assist with your financial goals, please check out our membership eligibility here or start opening an account here. Join us at R.i.a., where your financial success is our mission!

Business Banking

For entrepreneurs and small business owners, our business banking services, including merchant services and business loans, provide the tools you need to succeed. We understand the unique challenges businesses face, and we're committed to helping you thrive.

Credit Cards

We know rewards matter! That's why our credit cards with rewards are designed to give back as you spend. Enjoy benefits like cash back or travel rewards, making every purchase count toward something special.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. Need quick access to cash? Our ATM services ensure that withdrawing funds or checking balances is hassle-free. Plus, with features like person-to-person payments, sending money to friends or family is simple.

Personal Banking

Our personal banking options make it easy for you to manage your money effectively. With checking and savings accounts, you can easily deposit your earnings and save for those special moments in life. We understand that purchasing a vehicle is a big decision; that's why we offer auto loans and vehicle financing to help you get behind the wheel without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options provide flexibility and competitive rates tailored just for you. For those looking to consolidate debt or cover unexpected expenses, our personal loans are straightforward and accessible, making financial relief just a few clicks away.

Digital & Online Banking

Key Services

One of the standout features of our online banking service is the ability to access your accounts 24/7. Whether you want to check your balance, transfer funds, or pay bills, you can do it all with just a few clicks. Our platform also supports person-to-person transfers, making it simple to send money to friends or family without any hassle. For those who prefer managing their accounts on the go, our mobile application is available for download. This app provides a secure and easy way to handle your banking needs right from your smartphone. Plus, while we don't offer mobile payments just yet, you can still enjoy the convenience of e-statements to keep track of your transactions effortlessly.

Security and Accessibility

We take security seriously at R.i.a.. While we currently do not offer electronic signature authorization, our online banking system is designed with multiple layers of protection to ensure that your information remains safe. You can feel confident when accessing your accounts from any device. With features like e-statements available for those who prefer going paperless, you can stay organized while reducing clutter. Our digital services are crafted to enhance accessibility and ease-of-use, ensuring that managing your finances feels straightforward rather than overwhelming. In summary, whether you're logging in from home or on the go with our mobile application, R.i.a. makes it easy to stay on top of your financial life. Explore all that we have to offer at https://www.riafcu.com/ today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 73,505, showing a strong and growing member base that trusts us with their finances. This trust is what drives us to continually improve our services. 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 Rock Island Arsenal Building 61 Rock Island Il 61299 or call (563) 355-3800 to learn more about how we can help you achieve your financial goals.

Our Solid 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.

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 Earnings and Supportive Lending

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 $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $80,475,830 in used vehicle loans and $87,177,299 in new vehicle loans, helping members get on the road with affordable financing options. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our team can guide you through the application process and find the right loan to fit your budget.

Credit Card Loans

Managing day-to-day expenses can sometimes require extra help. We also offer flexible terms on unsecured credit card loans, with a total of $13,167,606 in loans available to help members manage their finances effectively. These cards come with competitive rates and rewards programs that can benefit your spending habits.

Credit Lines

For those who need ongoing access to funds, our total credit lines amounting to $48,774,436 offer financial flexibility when you need it most. This option allows you to borrow what you need while only paying interest on what you use. Our goal at R.i.a. is to provide tailored lending solutions that fit your lifestyle and financial 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. If you're ready to take the next step towards achieving your financial goals or would like more information about any of our loan products, feel free to visit us or give us a call at 563-355-3800!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With $59,045,468 in Junior Lien 1-4 Family Residential Properties loans available, we provide flexible terms that cater to both first-time buyers and seasoned homeowners. If you're considering refinancing your existing mortgage or exploring eligibility options for your first loan, our knowledgeable staff is here to assist you every step of the way.

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 commitment ensures that all loan offers are fair and transparent. By relying on verified financial institutions, LendMesh provides users with trustworthy information they can depend on.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you get a true picture of available loan options without any hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. You won't waste time sifting through outdated information or irrelevant offers. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. 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 - Rock Island, IL

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