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Finance 101

  • Smart Checking: The Right Choice For You

    Posted on January 16, 2020 by Jake Ward, CMSE – VP of Marketing
    What’s important to you? Is it quality time with family? Activities with friends? Achieving goals? We’ll help you make it happen with extra cash from R.I.A. Federal Credit Union. Start earning when you open a Smart Checking Account, today!
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  • R.I.A. Federal Credit Union: Relationships, Integrity and Action

    Posted on January 16, 2020 by Jake Ward, CMSE – VP of Marketing
    Our name reflects who we are and what we value. It’s about understanding your needs and building lasting relationships. We’re focused on you – your hopes, your dreams, your right now and your future. We have the tools and the expertise to help you get there.
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  • Last-Minute Budgeting Tips for the Holidays

    Posted on October 28, 2019 by Jake Ward, CMSE – VP of Marketing
    Holiday budgeting. We all say we’re going to do it around July. Then October rolls around and – uh oh. That holiday savings account didn’t happen. The National Retail Federation reports that the average consumer spends around $1,000 during the holiday season. Festive food, decorations and of course, gifts, make the holidays jolly. But if you’re not financially ready, November and December – and the bills in January – can make the holidays a headache.
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  • Keeping you and your family safe using the internet!

    Posted on September 24, 2019 by Lauren Morrissey – Marketing Assistant
    The internet has become an imperative part of our society therefore exhibiting new threats and challenges to you and your family! Get started with personal online security today to protect yourself tomorrow!
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  • Is a Private Student Loan Right for You?

    Posted on June 04, 2019 by Kaylyn Maher – Marketing Assistant
    Whether you’re a parent or a soon-to-be high school graduate, the rising tuition cost of colleges and universities is overwhelming. There’s often a gap between the amount of funding a student receives and the cost of their chosen school, adding to the stress of the college experience. Many of you are all too aware of the FAFSA (Free Application for Federal Student Aid) process. For some though, the federal borrowing limits will be too low, or you just won’t qualify. In those cases, private student loans may be a good option for you. Offered by private lenders, these loans can be used for tuition, books and supplies, or living expenses. Before you apply for a private student loan, you should ask yourself a couple of questions:
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  • 3 Reasons to Teach Your Kids About Money

    Posted on April 02, 2019 by Jake Ward, CMSE – VP of Marketing
    April is National Credit Union Youth Month! There is not a better time to talk to your kids about money, encourage them to save, and open them a youth savings account if you haven't already! I've had the privilege to talk to students of all ages about money, cash, cheddar...you get it. The biggest takeaway is that a lot of kids are left in the dark in terms of some basic financial concepts. I am shocked by the number of teenagers who have not had a bank account or know if they have one.
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  • First-Time Home Buyer Tips

    Posted on February 28, 2019 by Brooke Keck – Mortgage Loan Originator
    Buying a house is probably the biggest investment you’ll ever make. It can be scary—not just because you don’t want to have buyer’s remorse with such a huge purchase, but also because it’s a complex process with lots of terms you’ve never heard before. Suddenly people are talking about "points" and "closing costs" and "escrow." Worse—they’re looking at you like you know what they’re talking about! Here’s the good news: we have a great mortgage team at R.I.A. FCU and we want to help you. Let’s start with a few basic tips:
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  • 4 Things to Do with Your Tax Return

    Posted on February 01, 2019 by Jake Ward, CMSE – VP of Marketing
    Last year, more than 70% of Americans got a refund on their federal income taxes. Are you one of the many who’s expecting a tax refund this year? There are a lot of smart choices that you can make with your refund. Let’s go over a few:
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