The Smart Way to Build Up Your Savings

Account Options & Rates

Learn more about our different saving account options to see what works best for you.

Feature Regular Share X-Tra Kash Holiday Club Super Share Mega Share
Account Description Use to grow your savings with a smaller balance Use to save up for a large purchase Use to save up for holiday spending Use to grow your savings with a higher balance Use to earn a higher dividend on a large balance
Minimum Opening Balance $5 $5 $5 $2,000 $25,000
Minimum Balance to Earn Dividends $250 $5 $5 $2,000 $25,000
Withdrawals Up to 6 per month Unlimited Unlimited between 10/31-12/31 Up to 3 per month Up to 3 per month
ATM Card
Online Banking
E-Statements
Direct Deposit
24/7 Bank by Phone
Coverage Up to $500,0006 Up to $500,0006 Up to $500,0006 Up to $500,0006 Up to $500,0006
Account TypeDividend RateAPY
Regular Share Account.10%6.10%6
X-Tra Kash Account.10%6.10%6
Holiday Club Account.10%6.10%6
Super Share Account (up to $10k).15%6.15%6
Super Share Account ($10-25k).25%6.25%6
Super Share Account ($25-100k).35%6.35%6
Super Share Account (over $100k).50%6.50%6
Mega Share Money Market Account ($25,000-$49,999.99).30%6.30%6
Mega Share Money Market Account ($50,000-$99,999.99).40%6.40%6
Mega Share Money Market Account ($100,000-$249,999.99).55%6.55%6
Mega Share Money Market Account ($250,000+).60%6.60%6

Jump Start Your Savings

Open a savings account with as little as $5 and start enjoying all the benefits.

Low Minimum Balance

Minimal balance requirements on most account types.

Free Online Banking

Get access to our online and mobile banking app.

Earn Dividends

Enjoy a healthy return on your savings balance.

Direct Deposit

Have your checks deposited directly into your account.

Multiple Ways To Save

Choose from a variety of saving account options.

24/7 Bank By Phone

Use our Day And Night Access (DANA) system for 24/7 support.

Ultimate Coverage

Your deposit funds are insured up to $500,000⁶.

Mobile Banking Features

Our saving accounts give you access to a digital library of fast, secure and reliable mobile banking tools.

Free Credit Monitoring

Check your credit score daily with no impact on your credit and see how financial decisions will effect your credit score.

Mobile Wallets

Add your R.I.A. issued debit card to your mobile wallet and make purchases directly from your mobile device.

Mobile Check Deposit

Save time by depositing checks from the convenience of your own home with our mobile banking app.

Mobile Card Controls

Turn cards on and off, control transaction limits, manage notifications and more with our mobile card controls.

Savings Account FAQ

You have questions. We have answers. See below for a list of our most frequently asked savings account questions.

How old do you have to be to open a savings account?

We have savings accounts for adults, as well as specified savings accounts for kids to educate them about saving money. These accounts offer kids rewards for savings milestones.

Does a savings account earn dividends?

Yes. View the rates table for details on specific savings accounts.

How much money is required to keep a savings account open?

As your share of membership, $5 must remain in your account.

Is there a fee to open a savings account?

As a member of R.I.A. FCU, you have a $5 share. When you open a savings account, this $5 is required to become a member. Therefore, you must deposit $5 upon opening an account.

Do I need to be a member to open an account?

When you open an account with R.I.A. Federal Credit Union you become a member of our credit union. We are a member-owned cooperative dedicated to meeting your financial needs!

Disclaimer

6. Savings Account

    • APY=Annual percentage Yield. APYs accurate as of the last dividend declaration date. The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly.
    • Fees may reduce earnings on the account.
    • (Regular Share) During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in account closure by the credit union.
    • (Super Share) During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in account closure by the credit union.
    • (Mega Share) During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in fees of $10 per withdrawal, and account closure by the credit union.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

Still Have Questions?

Open A Savings Account Today

Ready to start building your savings? Get started with our quick and easy online application.