Online Banking

Finance 101

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:
Read More
- Savings
- Real World: Dollars and Sense
- Personal Finance
5 Tips to Help you Budget for a Wedding

Posted on January 15, 2019 by Jake Ward, CMSE – VP of Marketing

If you’re reading this, it’s either because you’re getting married, or a loved one is and you’re helping to pay for the wedding. Either way, congratulations! There are few life events happier than a wedding. At some point, though, you may find that the stress of wedding expenses clouds some of the joyousness of the occasion. It doesn’t have to be that way! Here are a few tips to help you manage that wedding budget and reduce your stress level.
Read More
- Savings
- Real World: Dollars and Sense
- Personal Finance
Small Savings Goals can Yield Big Dividends: Learning to Save

Posted on January 02, 2019 by Jake Ward, CMSE – VP of Marketing

Experts will tell you that you should have 3-6 months of living expenses saved up in case of an emergency. That’s great advice and definitely something to aspire to. But for many people, that goal is just too far-reaching, and can be so overwhelming that they’re discouraged from saving at all. If that’s you, then we encourage you to start with a smaller savings goal. For example, did you know that the typical loan from a payday lender is $300-$400? But if you have to borrow from a payday lender, the fees you pay to borrow the money can equal an annual percentage rate of 300-400%. That can be extremely difficult to overcome, especially for people living paycheck to paycheck. So if you are currently one of approximately 25% of Americans with little to no savings, now is a great time to change that! We encourage you to set a savings goal, even a small one that will keep you away from payday lenders. Once you develop a habit of savings, it will get much easier. Trust me.
Read More
- Savings
- Real World: Dollars and Sense
- Personal Finance
Emergency Funds...

Posted on December 07, 2015 by Claire Chouinard – Marketing Intern

Who needs an emergency fund? Chances are you will never have to use it, right? And the money could get put to better use, right? Wrong!
Read More
- Real World: Dollars and Sense
Welcome to the Real World

Posted on October 16, 2015 by Cleo Haynes – Executive Vice President

Hello! My name is Claire Chouinard and I am the newest voice for the Get it Together – Real World Dollars and Sense blog.
Read More
- Real World: Dollars and Sense
The Real World: Dollars and Sense - College is Expensive

Posted on March 03, 2015 by Maddi Carr – Marketing Intern

College. Is. Expensive. Whether you’re preparing to enter the college years or you’re already there, the high price of higher education is going to hit you at some point.
Read More
- Real World: Dollars and Sense
The Real World: Dollars and Sense - Becoming Financially Responsible

Posted on February 02, 2015 by Maddi Carr – Marketing Intern

An essential of becoming an adult is becoming financially responsible—two words that send shivers down the spines of young adults everywhere. Maddi Carr is here to help.
Read More
- Real World: Dollars and Sense

What members are saying

Attention to detail and a wonderfully friendly staff are just a few of the attributes I would use to describe the R.I.A. Federal Credit Union in Tomah.

One of the most unique qualities about the employees is that they are always looking out for my best interest. Unlike other lending institutions I have worked with, they will present you with multiple options when it comes to lending, explaining each along the way, so that I am able to make an educated decision rather than signing paperwork and 20 minutes later wondering what it is I signed. Peace of mind is invaluable when it comes to your finances, and I have found that at R.I.A. Federal Credit Union.
Michael, Tomah
I am now on my fifth auto loan through R.I.A. Federal Credit Union. Their staff are very knowledgeable, customer-friendly and always remember my name, and their interest rates are superb. I would recommend R.I.A. to everyone for any of their financial needs.
Chris, Tomah
I love the R.I.A. Federal Credit Union branch in Savanna because of the well trained and dedicated supervisor. The service representatives are very knowledgeable and helpful. The central location is desirable offering a wide range of quality financial services.
Irv, Savanna
So glad I made the switch to R.I.A. Federal Credit Union awhile ago. They take the time to remember their members names and even voice when they call in all the time. Super friendly staff and excellent customer service always! I absolutely love doing business with them.
Briana, Coal Valley
We opened our accounts in October of 2010. We immediately felt welcome into the R.I.A. Federal Credit Union family. The entire staff has been friendly, helpful with any and all problems or questions. Very professional to deal with.
Jerry & Rosann, Silvis
Our son being the Lil’ Saver at the Mallard’s game was such a great experience. Thank you so much! It really is an amazing opportunity that you do for the kids.
Amy, Moline

1-800-742-2848 (RIA-CU4U)

Find our Banking & Loan Services across the Quad Cities: Moline, Davenport, Bettendorf, and Rock Island.

With more credit unions in: Savanna, IL, Milan, IL, Silvis, IL, Wilton, IA, Tomah, WI, Fort McCoy, WI.