1. Mastercard Rewards Card

• See Mastercard® Credit Card Disclosure, Rewards Terms and Conditions and Rewards TIL Disclosures for full details and disclosures. 1.5% cash back is converted from points earned. You will automatically earn 1.5 points per $1.00 spent on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Points can be converted to cash back in increments of 500 points or $5.00. Points expire after 3 years. Points are redeemed via the UChoose website which can be accessed via RIAFCU online and mobile banking.

3. Smart Checking –

• • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.00%; and (3) balances over $15,000 earn 0.10% APY on portion of balance over $15,000, resulting in 2.00% to 0.19% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings on the account.
  • All Checking Accounts are subject to approval. Must meet qualifications.
  • Must be a member to open a checking account. Some restrictions apply.
  • Deposits are insured up to $250,000 in insurance by NCUA.
  • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.
  • View Smart Checking Qualification Calendar
  • Qualifications required to earn rewards include: (1) 12 debit card purchases posted and settled; (2) enrollment in eStatement notice; and (3) one automatic payment (ACH) or direct deposit posted and settled.

8. Certificates

• • (Share Certificate) Penalties may be imposed for early withdrawal. Rates accurate as of the last dividend declaration date. Fees may reduce earnings. $500 deposit required to open this account. $500 daily balance required to earn dividends.
  • (IRA) Rates accurate as of the last dividend declaration date. Penalties may be imposed for early withdrawal. Fees may reduce earnings. IRA Certificates are available at the same interest rates as our regular Certificates. Certificates may be designated traditional or Roth IRAs. 91-day to 5-year terms available for IRA Certificates. Other restrictions and requirements may apply. Rates may change at maturity. $500 deposit required to open this account. $500 daily balance required to earn dividends.
  • APY=Annual Percentage Yield. APYs accurate as of 9/21/2024; the last dividend declaration date. Rates may change at maturity. Fees may reduce earnings on the account.
  • A penalty may be imposed for early withdrawal.
  • Deposits are insured up to $250,000 in insurance by NCUA.
  • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.

9. Digital Banking Features

• • • (Mobile Banking) Message and data rates may apply; consult your carrier for further details. Not all mobile devices are supported.
    • (Mobile Pay)
      • Apple, the Apple logo, iCloud and Apple Pay are trademarks of Apple Inc.
      • Google Pay is a trademark of Google LLC. Android, Google Pay and the Google Pay logo are trademarks of Google LLC.
      • Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

10. Personal Loans

• • • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • APR is Annual Percentage Rate. Rate is fixed (non-variable). This offer is for new money only, no internal refinances. 8.75% APR. Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $24.77 per $1,000 borrowed at 8.75% APR. All loans are subject to approval.
    • See Rates and Fees Schedule

11. Vehicle Loans

• • • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • 67-75-month financing available only on loans of $12,000 or more only on 2015-2022 model year.
    • 76-84-month financing available only on loans of $20,000 or more only on 2015-2022 model year.
    • For example, a 48-month term on a new recreational vehicle loan for $10,000 at 2.64% APR, the monthly payment will be approximately $219.76.

12. Home Loans

• Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
• Payments based upon a $125,000 purchase price with 20% down, loan amount of $100,000. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater.
• 5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate for the first five years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 5.421% APR, the first 60 payments are $551.58, with 12 payments at $681.50 if the rate were to adjust to 7.444%, 12 payments at $821.95 if the rate were to adjust to 9.471%, 12 payments at $970.50 if the rate were to adjust to 11.500%. The maximum lifetime cap is 6%.
• 10/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate for the first ten years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 5.937% APR, the first 120 payments are $583.57, with 12 payments at $716.41 if the rate were to adjust to 7.961%, 12 payments at $859.15 if the rate were to adjust to 9.988%, 12 payments at $1,009.41 if the rate were to adjust to 12.018%. The maximum lifetime cap is 6%.
• Loans are subject to credit approval. Restrictions may apply.

13. Home Equity

• Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
• Loans are subject to credit approval. Restrictions may apply.
• For example, a 60-month Fixed Home Equity Loan for $10,000 at a 6.409% APR, the monthly payment will be approximately $195.00. 
• For example, a 60-month Home Improvement Loan for $20,000 at a 7.413% APR, the monthly payment will be approximately $400.00.
• For example, a 120-month Power Equity Loan for $20,000 at a 6.599% APR, the monthly payment will be approximately $228.00.
• Home Equity Lines of Credit are variable-rate loans. Rates as low as 7.152% APR are based on an evaluation of credit history, CLTV (combined-loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The plan has a maximum APR of 18%. Closing costs vary by state and range from $100-$500. 
• A minimum fee of $85 for title search and recording will apply. $5 membership fee required.

19. Zelle

• • Mobile network carrier fees may apply.
  • Must have a bank account in the U.S. to use Zelle®.
  • Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®
  • In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®
  • Copyright © 2022 R.I.A. Federal Credit Union. All rights reserved. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.