R.i.a. Credit Union Fort McCoy WI | Best Auto Loans & Business Banking

Introduction

Welcome to R.i.a., your trusted financial partner in Fort McCoy, WI! Established in 1935, our credit union has been serving the community for nearly nine decades with a commitment to providing personalized banking solutions tailored to your needs. Located at 1501 S 10Th Ave, we pride ourselves on being more than just a place for transactions; we're a hub for financial growth and community support. At R.i.a., we understand that banking is about relationships. With over 40,000 members and total assets of $607,261,538, we are dedicated to offering services that empower you financially. Whether you're looking for checking accounts, auto loans, or even mortgage refinancing, our experienced team is here to guide you every step of the way. Under the leadership of CEO James Watts and Board President John Masengarb, our staff of 138 employees is committed to ensuring that you receive exceptional service. We are proud to offer a range of services including personal loans, business banking, and online banking options for your convenience. While members can visit us at our branch address, official correspondence should be sent to 1501 S 10th Ave, Fort McCoy, WI 54656-5115. Have questions or need assistance? Don't hesitate to reach out at 608-388-2171. Join us today and experience the R.i.a. difference where you are not just a member but part of a family dedicated to helping you succeed! For more information on becoming a member or opening an account, visit us online at riafcu.com. We look forward to serving you!

Branch History & Mission

Welcome to R.i.a., a cornerstone of the Fort McCoy community in Wisconsin. Since opening our doors in 1935, we have dedicated ourselves to serving our members and fostering financial well-being for all. With a proud history spanning over eight decades, our journey has been marked by growth, commitment, and an unwavering focus on community support. Located at 1501 S 10th Ave, Fort McCoy, WI 54656, our branch is easily accessible for anyone in the area. As we continue to grow, we are thrilled to serve over 40,429 members with total assets exceeding $607 million. This achievement reflects not only our commitment to providing valuable financial services but also the trust and loyalty of our members. At R.i.a., our mission is clear: to empower individuals and families through exceptional financial services while supporting the local community. We believe that banking should be more than just transactions; it should foster relationships and help people achieve their dreams. Whether it's through personal banking, auto loans, or business financing, our goal is to make every member feel valued and supported. While members can visit us at 1501 S 10th Ave, official correspondence should be sent to 1501 S 10th Ave, Fort McCoy, WI 54656-5115. Our branch operates with convenient hours Monday through Wednesday from 9:30 AM to 12:45 PM and again from 1:15 PM to 2:00 PM; Thursday and Friday from 9:30 AM to 12:45 PM and from 1:45 PM to 5:00 PM. We are committed to providing modern conveniences such as online banking and mobile applications for easy access to your accounts. Additionally, our ATM service ensures that you can manage your finances on-the-go. Although we do not currently offer drive-thru banking or shared service centers, we prioritize accessibility and customer satisfaction in every aspect of our service. Community outreach is also central to who we are. We actively partner with local organizations and participate in events that uplift those around us. By doing so, we strengthen the bonds within Fort McCoy while ensuring that our members receive the best possible support. As we look toward the future, we invite you to join R.i.a. Experience firsthand how we're not just a credit union but a community partner dedicated to making your financial dreams a reality. To learn more about membership or open an account today, visit us online at Ria FCU. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to R.i.a., your trusted financial partner located at 1501 S 10th Ave in Fort McCoy, Wisconsin. Nestled in the heart of Monroe County, our branch is conveniently positioned near local landmarks, making it easy for you to drop by. Whether you're coming from the nearby Fort McCoy or traveling through the scenic surroundings, we're here to serve you with a smile. At R.i.a., we understand that accessibility is key. Our branch features ADA-compliant facilities, including ramps and ample parking to ensure everyone can easily visit us. If you need to send any official correspondence, please note that our mailing address is also 1501 S 10th Ave, Fort McCoy, WI 54656-5115. Our operating hours are designed to fit your busy schedule. We welcome you Monday through Wednesday from 9:30 AM to 12:45 PM and then again from 1:15 PM to 2:00 PM. On Thursdays and Fridays, we're here from 9:30 AM to 12:45 PM and then open until 5:00 PM for your convenience. Need cash? You'll find an ATM on-site for quick withdrawals and balance checks without needing to step inside. Although we don't offer drive-thru banking at this location, our friendly team is always ready to assist you in person with a range of services from personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards. If you have questions or want more information about how we can help you manage your finances better, feel free to give us a call at (608) 388-2171. We look forward to welcoming you soon!

Member Eligibility

At R.i.a., we're thrilled to welcome you into our community of members who support each other and thrive together. Joining us is simple! To become a member, you need to meet a few friendly eligibility criteria that mainly revolve around your connection to the local community. This includes individuals who live, work, or worship in the area, as well as those related to existing members. We believe everyone deserves access to financial services tailored for their needs. For more details on what qualifies you for membership, feel free to check out our comprehensive guide at https://www.riafcu.com/resources/how-do-i-become-a-member/. Once you know you're eligible, opening an account is a breeze! Just visit us at our branch located at 1501 S 10Th Ave Fort Mccoy Wi 54656 or give us a call at (608) 388-2171 if you have any questions. You can also start the process online by visiting https://www.riafcuhb.com/tob/live/usp-core/app/register. We can't wait to help you take your first step towards becoming part of our supportive family at R.i.a.!

Business Banking & Commercial Services

Loan Options That Empower 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 the financial backing to expand your operations, purchase new equipment, or invest in marketing strategies that elevate your brand. Our loans are designed to help you achieve these goals seamlessly.

Practical Merchant Services

In addition to loans, we offer essential merchant services that simplify transactions for your business. Whether you're a local shop or an online retailer, our services help you accept payments efficiently, keeping your cash flow smooth and reliable. By streamlining payment processing, you can focus more on what you do best growing your business. Located at 1501 S 10Th Ave Fort Mccoy Wi 54656 in Fort Mccoy, WI, we invite you to discover how our business banking and commercial services can fuel your entrepreneurial journey. For more information, give us a call at (608) 388-2171 or visit us online at Ria.

Comprehensive List Of Services

Business Services

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are tailored to help you succeed. Whether you need capital for expansion or tools to manage transactions more efficiently, we're here to support your business journey.

Credit Options

For those looking for flexible borrowing solutions, we offer personal loans and debt consolidation options. These can provide a great way to manage expenses or consolidate higher-interest debts into one manageable payment. Plus, our credit cards with rewards allow you to earn benefits while making everyday purchases.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why online and mobile banking are at the forefront of our service offerings. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go. Our ATM and cash withdrawal services ensure that you have access to your money whenever you need it.

Get Started Today!

With so many services designed just for you, there's no better time to explore what R.i.a. has to offer! If you're ready to take control of your finances or simply have questions about how we can assist you further, don't hesitate to reach out. Call us at 608-388-2171 or visit us online at riafcu.com. Join us today and discover how we can help make your financial goals a reality!

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. We understand that everyone has different saving goals whether it's setting aside funds for a vacation or building an emergency fund. Our accounts come with features that make managing your money easy and efficient. When it comes to financing your vehicle, our auto loans and vehicle financing options are competitive and straightforward. We work with you to secure the best rates possible, making it easier for you to drive away in the car you want. Additionally, if you're considering buying a home or refinancing your existing mortgage, our mortgage loans and refinancing services can help turn those dreams into reality.

Digital & Online Banking

Key Services

Our online banking platform at https://www.riafcu.com/ provides everything you need to stay in control of your finances. You can check balances, transfer funds, and pay bills without stepping foot in a branch. Plus, with our 24/7 online banking services, you never have to wait for business hours to get the information you need. If you're looking for efficient ways to send money to friends or family, our person-to-person transfer feature makes it quick and hassle-free. You can also enjoy the convenience of e-statements, allowing you to view your account statements electronically whenever you want no more paper clutter!

Security and Accessibility

Your security is our top priority. While we don't currently support electronic signature authorization, rest assured that all your transactions are protected with robust security measures. Our user-friendly mobile application further enhances your banking experience by allowing you to manage your accounts right from your phone. Although mobile payments aren't available yet, our commitment to keeping things straightforward means that accessing your funds and making transactions is always easy. With real-time account management features, you can track your spending and stay on top of your financial goals. Experience the convenience of banking with R.i.a. today! For more information about our digital services, visit us at https://www.riafcu.com/ or give us a call at (608) 388-2171.

Financial Strength

Growing Membership Base

Total Share Accounts: 73,505, showing a strong and growing member base that trusts us with their finances. This trust allows us to operate effectively while meeting your needs. 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 1501 S 10Th Ave Fort Mccoy Wi 54656 or call (608) 388-2171 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 Your Benefit

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 members' 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. We provide flexible terms that can fit your budget and lifestyle.

Credit Lines

For those who need ongoing access to funds, our total credit lines amount to $48,774,436. This product provides you with the flexibility to borrow as needed while only paying interest on what you use. If you're interested in refinancing options or want to explore eligibility criteria for our loan products, please don't hesitate to ask. We strive to find solutions that meet your specific needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our commitment is to provide you with quality service and competitive rates across all our loan offerings. Visit us today or check out our website for more information!

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 offer competitive rates and support throughout the process to ensure a smooth experience.

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. This option is perfect for those looking to consolidate debt or make larger purchases without collateral.

Loan Aggregator

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R.I.A. FEDERAL CREDIT UNION - Fort Mccoy, WI

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