Apply for a loan online is a simple process.
These are a few important steps of the online loan application process.
You must be a member of RIA Federal Credit Union to apply for a loan.
The online application requires information about the applicant and co-applicant income and debts.
After submission of your application you can either:
All of our Visa cards have a 25 day Grace period on Purchases, No Annual Fee, No Minimum Finance Charge, and No Cash advance fee.
Line of Credit (Konstant Kash) Rate as low as 10.75% APR, as high as 18.00% APR. Based on your credit rating. Also used as an Overdraft protection for your draft account. Minimum credit line - $300.00
Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement or court decree relating to marital property may not adversely affect a creditor's interest, unless prior to the time credit is granted, the creditor is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision.
Read the disclosure information below to begin the loan application process.
By clicking the "I Agree" button I authorize RIA Federal Credit Union to check my credit history, and to share experience on this account with credit bureaus. I agree to be bound by the terms and conditions disclosed in the Credit Agreement Truth-in-Lending Disclosure Supplement for an open-end credit account which I must sign, if my application is approved. "I have read and agree to the above statements."
These are a few important steps of the online loan application process.
You must be a member of RIA Federal Credit Union to apply for a loan.
The online application requires information about the applicant and co-applicant income and debts.
After submission of your application you can either:
- Receive a call from a Loan Officer within the next business day to give you the loan decision. Or
- Call (563) 355-3800 or (800) 742-2848 regarding the status of your loan request. Please reference the application number provided to you upon completion of your web application.
| Visa Types | Fixed Annual Percentage Rate (APR) | Balance Computation Method | Over-the-limit, Late Payment, All other | Illinois Late Payment | Limits |
| Secured | 12.8% | Average Daily Balance | $10.00 | $15.00 | $500-2000 |
| Reverse Secured | 12.8% | Average Daily Balance | $10.00 | $15.00 | $500-2000 |
| Classic | 11.8% | Average Daily Balance | $10.00 | $15.00 | $500-5000 |
| Gold | 10.8% | Average Daily Balance | $10.00 | $15.00 | $5000-10,000 |
All of our Visa cards have a 25 day Grace period on Purchases, No Annual Fee, No Minimum Finance Charge, and No Cash advance fee.
Line of Credit (Konstant Kash) Rate as low as 10.75% APR, as high as 18.00% APR. Based on your credit rating. Also used as an Overdraft protection for your draft account. Minimum credit line - $300.00
Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement or court decree relating to marital property may not adversely affect a creditor's interest, unless prior to the time credit is granted, the creditor is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision.
Read the disclosure information below to begin the loan application process.
By clicking the "I Agree" button I authorize RIA Federal Credit Union to check my credit history, and to share experience on this account with credit bureaus. I agree to be bound by the terms and conditions disclosed in the Credit Agreement Truth-in-Lending Disclosure Supplement for an open-end credit account which I must sign, if my application is approved. "I have read and agree to the above statements."
