R.i.a. Credit Union Savanna IL | Quick Personal Loans & ATM Access

Introduction

At R.i.a., we understand that your financial journey is unique and deserves personalized attention. Since our establishment in 1935, we have proudly served the Savanna community from our branch located at 103 3Rd St, Savanna, IL 61074. With a total membership of 40,429, we are dedicated to providing tailored banking solutions that empower you to achieve your goals. As a trusted partner in financial well-being, our credit union boasts impressive assets of $607,261,538 and total deposits reaching $14,129,844. We are here to help you navigate life's financial milestones with confidence. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards designed to fit your lifestyle. While members can visit us at our branch address, official correspondence should be sent to the same location: 103 3rd St, Savanna, IL 61074. This ensures you have direct access to the support and resources you need. Under the leadership of our CEO James Watts and Board President John Masengarb, we prioritize community engagement and member satisfaction. With a dedicated team of 138 employees, we strive to create an environment where every member feels valued and supported. Our commitment goes beyond numbers; it's about building relationships based on trust and understanding. Whether you're looking for ways to save or seeking advice on loans our knowledgeable staff is here for you. Ready to take the next step? Visit us or give us a call at (815) 273-7741 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. Let us help you turn your financial dreams into reality! For more information about our services or to explore membership options, check out our website at riafcu.com.

Branch History & Mission

Join Us Today!

R.i.a. is more than just a credit union; it's a community hub where your financial well-being matters most. We invite you to join us and experience the benefits of membership firsthand. Together, let's build a brighter financial future! For more information on how to become a member or open an account with us today, please visit our website or check out eligibility details.

Modern Banking with Community Roots

As we embrace technological advancements, we ensure that our services remain user-friendly and accessible. Our online banking platform allows members to manage their finances conveniently from anywhere. We also offer ATM services and drive-thru banking at our location for those who prefer face-to-face interactions. While you can visit us at 103 3rd St for all your banking needs, any official correspondence should be sent to the same address. Feel free to reach out at (815) 273-7741 during our operating hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM.

Our Mission

At R.i.a., our mission is clear: to empower our members by providing top-notch financial services while fostering a strong sense of community. We believe that everyone deserves access to affordable banking options that can lead to financial stability and growth. Our services include checking and savings accounts, auto loans, personal loans, and business banking solutions all tailored to meet the unique needs of each member. We also understand the importance of being there for our community beyond banking. That's why we actively engage in outreach efforts and partnerships aimed at making a positive impact on local initiatives. Whether it's supporting local events or providing educational resources about financial literacy, we strive to be more than just a financial institution; we want to be a trusted partner in your journey.

Branch Location & Accessibility

Welcome to R.i.a., your friendly neighborhood credit union located at 103 3Rd St, Savanna, IL 61074. Our branch is conveniently situated near local landmarks like the Savanna Park and just a short drive from the scenic Mississippi River, making it easy for you to drop by whether you're running errands or enjoying a day out. At R.i.a., we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can comfortably access our services. You'll find ample parking available right outside the building, so you won't have to worry about finding a spot when you visit us. We understand that your time is valuable, which is why we offer convenient operating hours. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 8:30 AM to 12:00 PM. Whether you need assistance with personal banking, auto loans, or any of our other services, our friendly staff is here to help during these hours. For those who prefer quick service, we also provide a drive-thru option where you can take care of deposits and withdrawals without leaving your vehicle. Plus, our ATM is available for cash withdrawals and balance checks anytime you need it. While members can visit us at our physical location for all banking needs, official correspondence should be sent to the same address: 103 3rd St, Savanna, IL 61074. If you have any questions or need assistance before your visit, feel free to give us a call at 815-273-7741. We look forward to welcoming you into the R.i.a. family!

Member Eligibility

At R.i.a., we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family. To become a member, you'll need to meet a few simple eligibility criteria. If you live, work, or worship in the area around 103 3Rd St Savanna Il 61074, or if you have a family member who is already a member, you're likely eligible to join us. We welcome individuals from all walks of life and look forward to helping you with your financial needs. To make the process even easier for you, we invite you to check out the detailed eligibility requirements on our website at https://www.riafcu.com/resources/how-do-i-become-a-member/. Once you confirm your eligibility, opening an account is a breeze! You can start your application online by visiting https://www.riafcuhb.com/tob/live/usp-core/app/register or give us a call at (815) 273-7741 if you have any questions. We can't wait to welcome you into the R.i.a. family!

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'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. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Navigating daily transactions shouldn't be a hassle. Our merchant services simplify payment processing so you can focus on what you do best running your business. Imagine seamlessly accepting payments from customers, whether it's through credit cards or digital wallets, making every sale easier and faster. This not only enhances customer experience but also boosts your bottom line. Whether you're just starting out or looking to expand, R.i.a. is here to help you thrive. Explore our business banking options today! For more information, call us at (815) 273-7741 or visit us online at https://www.riafcu.com/.

Comprehensive List Of Services

Business Banking Services

For local businesses, we understand the importance of reliable banking solutions. That's why we offer comprehensive Business Banking services, including Merchant Services and tailored Business Loans. We strive to support entrepreneurs and small businesses with the tools they need to thrive in today's economy.

Convenient Online and Mobile Banking

In this digital age, convenience is key. At R.i.a., we offer robust Online & Mobile Banking features so you can manage your accounts anytime, anywhere. With easy access to your account information, bill pay options, and secure transactions through our mobile app and online portal, banking has never been easier. You can also utilize our ATM & Cash Withdrawal Services for quick access to your funds whenever you need them.

Drive-Thru and ATM Access

For those who prefer face-to-face interactions but need a quick solution, our Drive-Thru Banking allows for simple transactions like deposits and withdrawals without leaving your car. Additionally, with basic ATM access available for balance checks and withdrawals, you have flexibility at your fingertips. We invite you to visit us at our branch located at 103 3rd St, Savanna IL 61074, or give us a call at 815-273-7741 for more information about any of these services or how we can assist you better. At R.i.a., we're here to help you navigate your financial journey with ease and confidence! Explore all that we offer today by checking out our website at riafcu.com. Let's achieve your financial dreams together!

Personal Banking Solutions

For individuals and families, we offer various Personal Banking services designed to simplify your financial life. Our Checking & Savings Accounts make it easy to manage your everyday finances, while our competitive Auto Loans & Vehicle Financing help you get on the road without breaking the bank. If you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans provide flexible options to fit your budget. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans can provide the relief you need. Plus, with our Credit Cards with Rewards, you can earn points on your purchases that can be redeemed for exciting rewards.

Digital & Online Banking

Convenient Services at Your Fingertips

Our online banking platform lets you view your account balances, transfer funds, and pay bills with just a few clicks. Plus, if you prefer keeping track of your statements electronically, you'll be pleased to know we offer e-statements for quick and easy access to your financial records. Say goodbye to paper clutter! If you're on the go, our mobile application is here to help. Download it today to manage your accounts right from your smartphone. You can even make person-to-person transfers effortlessly, ensuring you can send money to friends or family in seconds.

Easy Payments Made Simple

Although we currently do not support mobile payments, our other features provide ample ways for you to handle your finances easily. Whether you're checking in on your accounts or transferring money between them, you'll find our services user-friendly and straightforward. In summary, R.i.a. is committed to offering accessible digital banking solutions that make managing your money easier than ever. Experience the convenience of online banking today by visiting us at https://www.riafcu.com/!

Security You Can Trust

We prioritize your security with every transaction. While electronic signature authorization isn't available at this time, rest assured that all our online services are built with robust security measures in place. Your information stays safe so you can bank with peace of mind.

Financial Strength

Growing Member Base

Total Share Accounts stand at 73,505, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $0. In summary, 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 103 3Rd St Savanna Il 61074 or call (815) 273-7741 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Operational Efficiency

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.

Reinvestment for Better Services

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 commitment to lending is reflected in our $6,530 in used auto loans and $463,211,365 in total loans and leases. This capacity supports members' financial goals across various sectors.

Solid 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

Additional Financing Options

For those seeking more specialized financing solutions, we have total credit lines available amounting to $48,774,436, catering to various financial needs beyond traditional lending options. If you're considering refinancing or want to learn about eligibility requirements for any of our loan products, please don't hesitate to reach out. You can contact us at 815-273-7741 during our operating hours: Monday - Friday from 9:00 AM to 5:00 PM and Saturday from 8:30 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. Let R.i.a. be your partner in achieving your financial dreams!

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, you can trust us to provide competitive financing options for your next vehicle purchase.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $59,045,468. We make buying or refinancing simple so that you can focus on what truly matters turning your house into a home.

Unsecured Credit Card 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, our credit cards come with rewards that can make everyday spending even more beneficial.

Loan Aggregator

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R.I.A. FEDERAL CREDIT UNION - Savanna, IL

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