R.i.a. Federal Credit Union
Po Box 4750
Rock Island, IL 61204
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2023 Overview
General Credit Union Information
R.i.a. is an NCUA insured institution located in Rock Island, IL. It was founded in 1935 and has approximately $596.94 millions in assets.
Who can join?
Persons who live or work in Scott, Muscatine, Rock Island, and surrounding counties in Iowa and Illinois are eligible for membership, as are persons residing or employed in Monroe and parts of Juneau counties in Wisconsin. Select employee groups in Carroll County and Jo Daviess County in Illinois are also located within R.I.A. Federal Credit Union's field of membership.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 17117 |
| Date Established | 1935 |
| Assets | $596.94 million |
| Loans | $447.79 million |
| Deposits | $559.07 million |
| Capital | $52.33 million |
Field of Membership Restrictions
Deposit Rates - June 7, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.70% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Smart Checking | 2.00% | $0 | $0.00 | Learn More |
Loan Rates - June 7, 2023
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for R.i.a.
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
5.910% | 5.750% | 0.75 | $4,375 | $1,459 | Learn More |
NMLS ID: 2890 License#: MC-3098 |
6.367% | 6.250% | 0.88 | $3,095 | $1,540 | Learn More |
NMLS ID: 1907 |
6.794% | 6.625% | 0.75 | $4,375 | $1,601 | Learn More |
NMLS ID: 1984206 License#: #: MC-7440 |
7.167% | 6.999% | 1.00 | $4,492 | $1,664 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to R.i.a.
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are R.i.a. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Ashburn,Virginia
Climate Initiatives
R.I.A. is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
R.i.a. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of R.i.a.. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| R.i.a. | U.S. Average |
|---|---|
| 12.41% | 5.90 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2022, R.i.a. had $6,260,851 in non-current loans and $831,735 in owned assets. To cover these potential losses it had $52,333,407 in net worth and $4,820,422 in loans loss reserves. That gives it a Texas Ratio of 12.41%.
Net Worth
| R.i.a. | U.S. Average |
|---|---|
| 8.77% | 12.75% |
R.i.a. FCU has a net worth of 8.77% versus the BestCashCow average of 12.75. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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