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

Introduction

Welcome to R.i.a., your trusted partner in financial wellness, located at 1024 N Superior Ave, Tomah, WI 54660. Since our establishment in 1935, we have been dedicated to serving our community and helping our members achieve their financial goals. With a membership of over 40,429 individuals and total assets reaching an impressive $607,261,538, we are proud to offer a wide range of services tailored to meet your needs. At R.i.a., we understand that every member's journey is unique. That's why we provide personalized banking options such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our commitment to exceptional service is evident in our team of 138 dedicated employees, led by CEO James Watts and Board President John Masengarb. For those seeking reliable financial solutions, our total deposits stand at $14,129,844, ensuring that your funds are secure with us. Additionally, with a net worth of $53,970,774 and cash in hand amounting to $4,801,178, you can trust that R.i.a. is built on a strong foundation of stability and growth. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 1024 N Superior Ave, Tomah, WI 54660. As you explore what we have to offer, we encourage you to reach out via phone at (608) 372-9277 or visit us online at riafcu.com. Join us today and experience the difference that community-focused banking can make in your life!

Branch History & Mission

Welcome to the inspiring journey of R.i.a., a cornerstone of financial support in Tomah, Wisconsin. Since our doors first opened in 1935, we have dedicated ourselves to serving our community with integrity and compassion. Nestled at 1024 N Superior Ave, we are proud to be a part of this vibrant city, helping families and individuals achieve their financial goals. Over the decades, R.i.a. has grown from a small credit union to a trusted institution with a membership base of 40,429 members and total assets reaching an impressive $607,261,538. Our commitment to our members has always been at the heart of what we do. We provide a wide range of services, including personal banking, auto loans, mortgages, and business financing all designed to meet the diverse needs of our community. Our mission is simple yet powerful: to empower our members through accessible financial services while supporting local initiatives that strengthen our community. We believe that by investing in our members' futures, we contribute to the overall well-being of Tomah and beyond. Whether you're looking for assistance with everyday banking or exploring options for substantial loans, R.i.a. is here for you. While members can visit us at 1024 N Superior Ave, official correspondence should be sent to 1024 N Superior Ave, Tomah, WI 54660. Our operating hours are convenient for everyone: Monday through Thursday from 7:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday until 12:00 PM. In addition to traditional banking services, R.i.a. embraces technology with features like online banking and mobile applications that make managing your finances easier than ever. Our commitment extends to ensuring that all members have access to our facilities, proudly maintaining ADA compliance throughout our branch. We also recognize the importance of community involvement. Over the years, we've partnered with local organizations and participated in outreach programs aimed at uplifting those around us. From educational workshops on financial literacy to sponsorships of local events, R.i.a. aims to be more than just a bank; we strive to be an active participant in making Tomah a better place. As we continue this journey together, we invite anyone looking for a supportive financial partner to join us at R.i.a.. Experience firsthand how our dedication can help you reach your dreams because at R.i.a., it's not just about transactions; it's about relationships and building a brighter future together. For more information or to become a member today, call us at 608-372-9277 or visit our website. Join us in shaping the future of finance in Tomah!

Branch Location & Accessibility

Convenient Location

Nestled right in the heart of Tomah, our branch is easily reachable from nearby landmarks like the Tomah Public Library and the local parks, making it simple for you to drop by while running errands or enjoying a day out. Ample parking is available right outside, ensuring your visit is hassle-free. Plus, we've made sure our facility meets ADA compliance standards, with ramps and accessible entrances to welcome everyone.

Get in Touch!

Have questions or need assistance? Don't hesitate to reach out! Call us at (608) 372-9277 we're here to help! We invite you to visit R.i.a., where banking is friendly and accessible. Come see how we can support your financial journey today!

Operating Hours

At R.i.a., we value your time. Our lobby hours are designed to fit your busy schedule. Join us Monday through Thursday from 7:30 AM to 5:00 PM, Fridays from 7:30 AM to 6:00 PM, and Saturdays from 7:30 AM until noon. We want to make banking as convenient as possible for you!

Services Offered

We offer a variety of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, R.i.a. has got you covered. Need quick cash? Our ATM is available on-site for withdrawals and balance checks, so you can get what you need without delay. If you prefer face-to-face interactions, our drive-thru banking allows you to handle deposits and withdrawals quickly and safely. While members can visit us at 1024 N Superior Ave Tomah Wi 54660, official correspondence should be sent to 1024 N Superior Ave, Tomah, WI 54660.

Member Eligibility

At R.i.a., we believe that everyone deserves a chance to be part of a supportive community. If you're looking to join us, you'll find that becoming a member is simple and welcoming! To qualify, individuals must reside or work in our local area, which includes Monroe County and surrounding regions. We also invite family members of existing members to join our credit union family. Being part of R.i.a. comes with fantastic benefits like competitive loan rates, personalized service, and access to various financial products designed just for you. Ready to take the next step? Opening your account is easy! You can start the process by visiting us at our branch located at 1024 N Superior Ave Tomah Wi 54660, or you can call us at (608) 372-9277 if you have any questions. For detailed eligibility criteria, check out our website at https://www.riafcu.com/resources/how-do-i-become-a-member/. We can't wait to welcome you into the R.i.a. family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer essential merchant services that simplify transactions for your customers. Whether you're processing payments at a storefront or online, our solutions are designed to enhance your cash flow and customer experience. Located conveniently at 1024 N Superior Ave Tomah Wi 54660, Tomah, WI, we invite local business owners to connect with us. Let's work together to build a stronger business community! For more information, call us at (608) 372-9277 or visit our website at https://www.riafcu.com/.

Supporting 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 needing to expand your operations or invest in new technology. With our competitive loan options, you can secure the funds necessary to make those goals a reality. Our team is here to guide you every step of the way, ensuring you find the right financing for your needs.

Comprehensive List Of Services

Business Banking Made Easy

For local entrepreneurs and businesses, we offer specialized Business Banking solutions that include merchant services and business loans. This way, whether you're just starting out or looking to expand, you can count on us for support tailored specifically for businesses like yours.

Convenient Access Anytime

We also prioritize convenience with services like our ATM and cash withdrawal facilities available at all hours. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle perfect for busy days when every minute counts. As we embrace modern banking solutions, we encourage you to take advantage of our online tools that enhance accessibility and ease of use. Whether you prefer in-person visits or digital transactions, R.i.a. aims to meet you where you are. If you're ready to explore these services further or want to become a member, visit us online at riafcu.com or stop by our branch today! Let us help you achieve your financial goals with confidence and ease.

Credit Options Tailored for You

When unexpected expenses arise or when you're looking to consolidate debt, our Personal Loans & Debt Consolidation services provide a straightforward path to financial relief. Plus, enjoy the benefits of our Credit Cards with Rewards, allowing you to earn points on everyday purchases while managing your spending effectively.

Personal Banking Solutions

We understand that managing your finances is a personal journey. That's why we offer Personal Banking options including checking and savings accounts designed to fit your lifestyle. Imagine easily accessing your funds through our robust Online & Mobile Banking platforms, where you can check balances, transfer money, and pay bills right from your smartphone or computer. For those considering larger purchases or investments, our Auto Loans & Vehicle Financing make it simple to drive away in your dream car with affordable rates and flexible terms. If homeownership is on your horizon, our Mortgage Loans & Refinancing options will guide you through the process smoothly.

Digital & Online Banking

Key Features

One standout feature is our person-to-person transfer option, which makes sending money to friends or family simple and hassle-free. Need to share expenses for dinner? No problem! Just log in and send funds directly from your account. While electronic signature authorization isn't available at this time, we ensure that all transactions are secure and straightforward. For members who prefer going paperless, we offer e-statements that allow you to view and manage your statements online helping you stay organized while reducing clutter. This feature is especially handy for those looking to keep track of their spending without the physical paperwork.

Security You Can Trust

We prioritize your security with advanced technology designed to protect your information. Our online banking services provide peace of mind so you can focus on what matters most managing your finances effectively without worrying about security threats. At R.i.a., we strive to make banking as accessible and easy as possible. With our comprehensive digital offerings, managing your money has never been more convenient. Experience the difference today by visiting us online!

Financial Strength

Commitment to Growth

Our $49,455,643 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Additionally, with $6,530 in used auto loans and $463,211,365 in total loans and leases, we have the capacity to support your financial goals across various sectors.

Member-Focused Savings

Your 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 Excellence

Our impressive $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 who ensure that our branches are always ready to serve you with a knowledgeable, committed team.

Our 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. This robust foundation is further highlighted by our net worth ratio of 8.84%, which demonstrates our ability to sustain operations and support our members even during uncertain economic times.

Strong Member Base

The trust placed in us is evident through our 73,505 total share accounts, showcasing a strong and growing member base that believes in our mission. 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 1024 N Superior Ave Tomah Wi 54660 or call (608) 372-9277 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 interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process.

Conclusion

At R.i.a., we're committed to providing personalized service tailored to your unique situation. Feel free to reach out at 608-372-9277 if you have any questions about our loan offerings or would like assistance in starting your application process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our website at riafcu.com for more information on eligibility and how to become a member. We're excited to help you take the next step towards achieving your financial goals!

Credit Lines and Unsecured Loans

For those looking for more flexibility in managing expenses, we offer credit lines totaling $48,774,436. This product allows you to borrow as needed while only paying interest on what you use. Additionally, our unsecured credit card loans total $13,167,606, providing members with an easy way to manage day-to-day purchases without collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $59,045,468, ensuring that you have access to the funds necessary for your dream home. We also provide refinancing options if you want to lower your monthly payments or tap into your home's equity.

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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 users receive fair and transparent offers. By gathering information from reputable lenders, LendMesh guarantees that all loan comparisons are accurate and reliable.

R.I.A. FEDERAL CREDIT UNION - Tomah, WI

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