--- title: "R.i.a. Credit Union Rates - Illinois" description: "Current mortgage, vehicle loan, heloc, personal loan, and savings & cd rates from R.i.a. Credit Union in Illinois. Updated daily with source verification. See who can join R.i.a. Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/ria" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # R.i.a. Credit Union Rates - Illinois ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.875% | — | Standard | | **5/1 ARM** 5 1 arm | — APR | 6.250% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 6.375% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.625% | — | Standard | | **10/1 ARM** 10 1 arm | — APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 7.250% | — | Standard | R.i.a. Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Auto Loan (2020–2027)** auto_any_48mo | — APR | 5.240% | 48 mo | Standard | | **2020-2027 Motorcycles Only Over $20,000** motorcycle_any_75mo | — APR | 7.190% | 75 mo | Standard | | **Classics (50 years old minimum)** auto_any_63mo | — APR | 7.740% | 63 mo | Standard | | **2006-2019 Motorcycles Only Over $20,000** motorcycle_any_75mo | — APR | 10.190% | 75 mo | Standard | | **2025-2027 Only Over $25,000** auto_any_84mo | — APR | 10.690% | 84 mo | Standard | R.i.a. Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **5 Year Home Equity (up to 80% LTV)** heloc | — APR | 5.990% | — | Standard | | **10 Year Home Equity (up to 80% LTV)** heloc | — APR | 6.490% | — | Standard | | **Variable HELOC 80% LTV** heloc_variable | — APR | 6.490% | — | Standard | | **5 Year Home Equity (up to 100% CLTV)** heloc | — APR | 6.990% | — | Standard | | **10 Year Home Equity (up to 100% CLTV)** heloc | — APR | 7.240% | — | Standard | | **Variable HELOC 100% CLTV** heloc_variable | — APR | 7.490% | — | Standard | R.i.a. Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Personal Loan Greater than $5,000** personal_unsecured_48mo | — APR | 11.000% | 48 mo | Standard | R.i.a. Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 28 offers | Product | Published | Rate | Term / condition | Status | | **Regular Share Account** share_savings | — APY | 0.10% | — | Standard | | **Youth Savings (over $5,000)** savings | — APY | 0.10% | — | Eligibility restricted | | **Smart Checking (over $15,000)** checking | — APY | 0.10% | — | Standard | | **Certificate Terms & Rates (91 Days)** share_certificate | — APY | 0.20% | — | Standard | | **Certificate Terms & Rates (Variable*)** share_certificate | — APY | 0.25% | — | Standard | | **Super Share Account (up to $10k)** share_savings | — APY | 0.40% | — | Standard | | **Super Share Account ($10-25k)** share_savings | — APY | 0.60% | — | Standard | | **Super Share Account ($25-100k)** share_savings | — APY | 0.75% | — | Standard | | **Business Money Market ($25k - $50k)** money_market | — APY | 0.80% | — | Eligibility restricted | | **Mega Share Money Market Account ($25,000-$49,999.99)** money_market | — APY | 0.80% | — | Standard | | **Business Money Market ($50k - $100k)** money_market | — APY | 1.00% | — | Eligibility restricted | | **Mega Share Money Market Account ($50,000-$99,999.99)** money_market | — APY | 1.00% | — | Standard | | **Super Share Account (over $100k)** share_savings | — APY | 1.20% | — | Standard | | **Mega Share Money Market Account ($100,000-$249,999.99)** money_market | — APY | 1.25% | — | Standard | | **Business Money Market ($100k - $250k)** money_market | — APY | 1.25% | — | Eligibility restricted | | **Mega Share Money Market Account ($250,000+)** money_market | — APY | 1.50% | — | Standard | | **Business Money Market ($250k - $500k)** money_market | — APY | 1.50% | — | Eligibility restricted | | **Smart Checking (up to $15,000)** checking | — APY | 1.98% | — | Standard | | **Youth Savings (up to $5,000)** savings | — APY | 2.00% | — | Eligibility restricted | | **Business Money Market (over $500k)** money_market | — APY | 2.00% | — | Eligibility restricted | | **24-Month Certificate** share_certificate_24mo | — APY | 2.25% | 24 mo | Standard | | **9-Month Certificate** share_certificate_9mo | — APY | 2.50% | 9 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 2.90% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 3.00% | 60 mo | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 3.40% | 18 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 3.60% | 12 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 3.85% | 6 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 4.75% | 24 mo | Standard | R.i.a. Credit Union savings & cd rates as of November 12, 2026 ### Other rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Rates as low as 5.24% (24-66 Months)** other | — % | 5.240% | — | Standard | | **Rates as low as 5.24% (76-84 Months 11)** other | — % | 5.240% | — | Standard | | **Rates as low as 5.24% (67-75 Months 11)** other | — % | 5.240% | — | Standard | | **Rates as low as 5.24% (49-66 Months)** other | — % | 5.240% | — | Standard | | **Rates as low as 5.24% (24-48 Months)** other | — % | 5.240% | — | Standard | | **Rates as low as 6.94% (Up to 66 Months)** other | — % | 6.690% | — | Standard | | **Rates as low as 5.24% (24-54 Months)** other | — % | 6.740% | — | Standard | | **Rates as low as 6.94% (67-75 Months)** other | — % | 7.190% | — | Standard | | **Rates as low as 5.24% (24-63 Months)** other | — % | 7.740% | — | Standard | | **Rates as low as 5.24% (64-72 Months (over $20,000))** other | — % | 7.740% | — | Standard | | **Rates as low as 6.94% (76-84 Months)** other | — % | 10.690% | — | Standard | R.i.a. Credit Union other rates as of November 12, 2026 R.i.a. Credit Union is a credit union in Illinois. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/ria) , verified from [R.i.a. Credit Union's official website](https://www.riafcu.com/) Loading branch locator… ## About R.i.a. Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 39.9K Assets $674.1M Founded 1935 Locations reported 11 NCUA charter 17117 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**I. H. Mississippi Valley** Competition Drive · Bettendorf · IA · 52722 Branch in the same ZIP](https://rateapi.dev/credit-unions/illinois/i-h-mississippi-valley) [**Vibrant** Bettendorf · Bettendorf · IA · 52722 Branch in the same ZIP](https://rateapi.dev/credit-unions/illinois/vibrant) [**The Family** Bettendorf · Bettendorf · IA · 52722 About 1.0 miles away](https://rateapi.dev/credit-unions/iowa/the-family) [**Ascentra** East 53rd · Bettendorf · IA · 52722 About 1.5 miles away](https://rateapi.dev/credit-unions/iowa/ascentra) [**Greenstate** Bettendorf · Bettendorf · IA · 52722-6207 About 1.7 miles away](https://rateapi.dev/credit-unions/iowa/greenstate) [**Dutrac Community** BETTENDORF · Bettendorf · IA · 52722 About 1.8 miles away](https://rateapi.dev/credit-unions/iowa/dutrac-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join R.i.a. Credit Union Membership eligibility from R.i.a. Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on R.i.a. Credit Union's website. Check the membership page below to confirm whether you qualify. - Location monroe, juneau, carroll — IA, WI, IL - Employer R.I. Arsenal, Ft. McCoy - Association Svithiod Club of Moline, Illinois, Svithiod Club of Moline Verified from [R.i.a. Credit Union's membership page](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for R.i.a. Credit Union Geography 3 counties · Employers 2 · Associations 2 · Military · Family 2 19 published paths to membership, last verified August 27, 2026, quoted from R.i.a. Credit Union’s own published criteria. ### Geography 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Carroll County, IL - Davenport, IA - Juneau County, WI - Monroe County, WI - Wilton, IA “Persons who live, work or are members of a fraternal organization within a thirty-mile radius of R.I.A. Federal Credit Union’s Davenport, Iowa or Wilton, Iowa location.” > [source ↗](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of R.I. Arsenal “Civilian employees and military personnel on the R.I. Arsenal or Ft. McCoy are eligible to join” > [source ↗](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) - Employee of R.I. Arsenal - Employee of Ft. McCoy “Civilian employees and military personnel on the R.I. Arsenal or Ft. McCoy are eligible to join” > [source ↗](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) - Employee of Ft. McCoy ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Svithiod Club of Moline, Illinois “Persons not meeting the above criteria of membership may still join the credit union, if they are a member of the Svithiod Club of Moline, Illinois.” > [source ↗](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) - Member of Svithiod Club of Moline, Illinois - Member of Svithiod Club of Moline “* Persons not meeting the above criteria of membership may still join the credit union, if they are a member of the Svithiod Club of Moline, Illinois.” > [source ↗](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) - Member of Svithiod Club of Moline ### Military 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Military affiliation “Civilian employees and military personnel on the R.I. Arsenal or Ft. McCoy are eligible to join” > [source ↗](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) - Military: military personnel ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family, household member “Members of the immediate family or household of any existing member meet qualifications for membership” > [source ↗](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) - Family member (immediate family, household member) of a member - Family Of Deceased surviving spouse “Members of the immediate family or household of any existing member meet qualifications for membership; including but not limited to spouses of persons who died within the field of membership.” > [source ↗](https://www.riafcu.com/about-us/membership/how-do-i-become-a-member/) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for R.i.a. Credit Union? Yes No ## Work at R.i.a. Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where R.i.a. Credit Union ranks against Illinois peers. - See which AI assistants fetched R.i.a. Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ria&state=illinois&code=IL&name=R.i.a.%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does R.i.a. Credit Union offer? R.i.a. Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are R.i.a. Credit Union rates updated? RateAPI verifies R.i.a. Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get R.i.a. Credit Union's rate data? Rate data is collected directly from R.i.a. Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join R.i.a. Credit Union? R.i.a. Credit Union publishes its membership criteria on its own website. RateAPI tracks 19 published membership paths covering 3 counties, 2 employers, 2 associations and 1 military for R.i.a. Credit Union, each quoted from R.i.a. Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare R.i.a. Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois mortgage rate leaders](https://rateapi.dev/mortgage-rates/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.riafcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track R.i.a. Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for R.i.a. Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /ria " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## R.i.a. Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/ria Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp