R.i.a. Credit Union Silvis IL | Affordable Auto Loans & ATM Access

Introduction

Welcome to R.i.a., your trusted partner in financial well-being, located at 2001 5Th St Ste 8, Silvis, IL 61282. Since our establishment in 1935, we have been committed to serving our community and providing our members with the financial tools they need to succeed. With a total membership of 40,429 individuals, we pride ourselves on being more than just a credit union; we are a part of your journey towards achieving your financial dreams. At R.i.a., we understand that every member has unique needs. That's why we offer a variety of services ranging from personal banking and auto loans to mortgage financing and credit cards with rewards. Our total assets currently stand at an impressive $607,261,538, demonstrating our stability and reliability as a financial institution. With total deposits amounting to $14,129,844 and a net worth of $53,970,774, you can rest assured that your money is in safe hands. Our dedicated team, led by CEO James Watts and Board President John Masengarb, is here to support you every step of the way. We employ 138 skilled professionals who are ready to assist you with personalized service tailored to your financial goals. Whether you're looking to open a new account or apply for a loan, our friendly staff is always available to guide you through the process. While members can visit us at the branch for all their banking needs, official correspondence should be sent to the same address: 2001 5th St Ste 8, Silvis, IL 61282-2903. Feel free to reach out via phone at 563-355-3800 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Join us today and experience the difference that comes with being a member of R.i.a.! Explore our services or learn more about becoming a member by visiting our website at riafcu.com. We look forward to helping you achieve your financial goals!

Branch History & Mission

Embracing Modern Banking

We're proud to embrace modern technology while ensuring accessibility for all. Our digital advancements make banking easier than ever with online and mobile banking options available for your convenience. Plus, we offer ATM services so you can access your funds whenever you need them. As part of our ongoing effort to enhance customer experience, we've ensured that our facilities are ADA compliant so everyone can enjoy our services comfortably.

Join Us Today!

R.i.a. is more than just a credit union; it's a community hub where your financial goals become reality. If you're ready to take the next step towards better financial health, we invite you to join us today! Experience firsthand how R.i.a. can help you achieve your dreams while being an active participant in a caring and supportive community. For more information on membership eligibility or to open an account, please visit our website or call us at 563-355-3800. Together, let's build a brighter future!

Our Mission

At R.i.a., our mission is clear: we strive to provide exceptional financial services while fostering a strong sense of community support. We believe that everyone deserves access to the tools needed for financial success. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, our team is here for you. Our commitment extends beyond just banking; we actively engage in community outreach efforts that uplift and empower those around us. We understand that when our community thrives, we all benefit. While members can visit us at our Silvis location, official correspondence should be sent to 2001 5th St Ste 8, Silvis, IL 61282-2903. This ensures that your important communications reach us without delay.

Branch Location & Accessibility

Finding Us

Nestled in the heart of Rock Island County, our branch is just a stone's throw away from local landmarks like the Silvis Public Library and Riverside Park. You'll find plenty of parking available to make your visit hassle-free. For those who need assistance, we are proud to be ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours

We understand that life can get busy, which is why we offer flexible banking hours. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to noon. Feel free to drop by during these hours; we're here to help with everything from checking and savings accounts to auto loans and mortgage refinancing.

Services We Offer

At R.i.a., we provide a variety of banking services tailored for your needs. You can take advantage of our ATM services for easy cash withdrawals and balance checks any time of day. While we don't have a drive-thru service, our staff is always ready to assist you inside the branch. For members looking for more convenience, we also offer online and mobile banking options so you can manage your finances on the go! If you have any questions or need assistance, don't hesitate to reach out! Call us at 563-355-3800 or visit our website at riafcu.com. We look forward to serving you at R.i.a.!

Member Eligibility

Becoming a member of R.i.a. feels like joining a close-knit family where your financial needs are truly understood. If you're looking to join us, you'll find that eligibility is quite straightforward! Our doors are open to individuals who live, work, worship, or attend school in the areas we serve. This means that if you're part of our local community here at 2001 5Th St Ste 8 Silvis Il 61282, you're likely already eligible! Plus, being a member comes with fantastic benefits such as competitive rates on loans and savings products, personalized service, and access to various financial tools designed to help you succeed. Ready to take the next step? Opening an account is easy! You can learn more about the details and even start the process by visiting our website at https://www.riafcuhb.com/tob/live/usp-core/app/register. If you have any questions or need assistance, don't hesitate to give us a call at (563) 355-3800. For more information on eligibility criteria, feel free to check out our resource page at https://www.riafcu.com/resources/how-do-i-become-a-member/. We can't wait for you to join our community!

Business Banking & Commercial Services

Loan Options Tailored for Your 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 being able to purchase new equipment that boosts productivity or secure a larger space to accommodate growing operations. These aren't just dreams; they're achievable goals with the right funding.

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Picture this: your customers can pay easily and securely, allowing you to focus on what you do best running your business. Located at 2001 5Th St Ste 8 Silvis Il 61282, Silvis, IL, we're here to partner with you every step of the way. Reach out to us at (563) 355-3800 to learn how we can support your business ambitions today!

Comprehensive List Of Services

Business Banking Services

If you're an entrepreneur or small business owner, our business banking services can help take your operations to the next level. From merchant services that simplify payment processing to competitive business loans, we are committed to supporting your business's growth.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. With features like ATM access for cash withdrawals and balance checks, banking has never been easier.

Credit Options That Reward You

Credit cards can be a great tool for managing purchases, especially when they come with rewards! Our credit cards with rewards make it easier to earn points while shopping for everyday items. You can use these points for travel, cash back, or other exciting benefits.

Personal Banking Solutions

Our personal banking options are designed with you in mind. We offer various checking and savings accounts that can help you manage your day-to-day finances effectively. Imagine having easy access to your funds while earning interest on your savings! If you're considering purchasing a new car, our auto loans and vehicle financing services can assist you in getting behind the wheel quickly and affordably. For those looking to invest in a home, our mortgage loans and refinancing options ensure that you find the perfect fit for your budget and lifestyle. Additionally, if you need financial support for unexpected expenses or wish to consolidate existing debts, our personal loans and debt consolidation services provide flexible solutions tailored just for you.

Visit Us Today!

We invite you to visit us at R.i.a. in Silvis or give us a call at 563-355-3800 to learn more about how our comprehensive list of services can benefit you. Let us help you achieve your financial goals today!

Digital & Online Banking

Key Features

Our members can enjoy E-Statements, which provide a convenient way to keep track of your financial activity without the clutter of paper statements. This eco-friendly option helps you stay organized while ensuring that your information is always accessible. For those who want to send money to friends or family, our person-to-person transfers feature makes it simple and hassle-free. Whether it's splitting a bill or sending a gift, you can do it all with just a few taps on your mobile device. Speaking of mobile devices, our mobile application offers all the features you need right at your fingertips. From depositing checks to managing payments, you can handle everything related to your accounts without ever stepping foot in a branch. While we currently do not offer mobile payments, we prioritize the security of your transactions through robust measures in our online services. We also provide an electronic signature authorization option for added convenience when signing documents digitally. At R.i.a., we are committed to making banking easier for you while keeping security at the forefront. With our comprehensive digital services, managing your finances has never been more accessible or safer!

Financial Strength

Commitment to Growth

Our financial stability is further highlighted by our $49,455,643 in undivided earnings. This 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 members' financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts stand at 73,505, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, which reflects our commitment to ensuring that your deposits work for you. 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 2001 5Th St Ste 8 Silvis Il 61282 or call (563) 355-3800 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our success is also reflected in our $681,093, showcasing our operational efficiency which enables 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 serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Your savings are secure with us. We have $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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Foundations

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 provide flexible terms and competitive rates to ensure you drive away satisfied.

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. These cards come with various benefits and rewards to make your spending more rewarding.

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 are here to guide you through the process and help you secure a loan that fits your budget.

Other Loan Products

In addition to auto and mortgage loans, we provide total credit lines amounting to $48,774,436. This gives our members access to funds when they need them most without the hassle of applying for new loans each time. If you're considering refinancing options or want more information about eligibility for our various products, feel free to visit our website or give us a call. Our team is ready to assist you! For performance insights and financial data related to our services and offerings, we source our information from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore the possibilities with R.i.a. today!

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

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