Online Banking

Reverse Secured Visa

Apple Pay
If you're caught in the credit crunch and are looking for ways to establish or rebuild your credit, R.I.A. Federal Credit Union has the answer!

With a Reverse Secured Visa® card you have the same purchasing power as a regular credit card, as well as plenty of other benefits, like online account access and the convenience of using your card at any one of our ATMs.


  • Credit limits from $500 to $2,000
  • 12.8% APR*
  • Use share accounts to secure credit
  • Accepted worldwide
  • Build your credit history
  • No annual fee
  • No cash advance fee
  • No minimum finance charge
  • No default rates
  • Rebate dollar program
  • 25-day grace period on purchases
  • Visa fraud protection
  • Verified by Visa Checkout
  • Visa online access 24/7
  • Auto rental collision insurance
  • Same rate for purchases and cash advances
  • Pay by phone, mail, local office, or online
  • Credit Cards are subject to credit approval
  • Some restrictions may apply
  • Must be a credit union member to receive a credit card
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications
*APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. 


  • Annual Fee None
  • Balance Tranfer None
  • Cash Advance None
  • Foreign Transaction None
  • Late Payment Up to $15
  • Over the Credit Limit None
  • Returned Payment None

Paying Interest
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.



Visa Checkout

Your VISA Card has many layers of security, making it the safe way to pay for online purchases. At participating online merchants, every transaction is protected with Visa Checkout, a secure way to conveniently pay online.


Save time and effort. No need to re-enter your card number or shipping preferences again.

  • Speed through online checkout whether you're shopping on your computer, tablet or smart phone.
  • Click the Visa Checkout button and sign in with your email address and password. Just confirm your payment preferences, click pay, and you're done.
  • Get the same points and rewards you enjoy today when using your cards.


Pay with confidence. Visa Checkout combines secure technology and valuable features with reliable customer service.

  • Rest assured. Visa Checkout stores your payment and personal information behind multiple layers of security.
  • Expect responsive customer support if you have a question or issue.
  • Receive customized email or text message alerts about purchase activity on select Visa cards stored in


Visa Checkout lets you use any major credit or debit card through a single service. It's your choice.

  • Use Visa, MasterCard, American Express, or Discover.
  • Setting a default card is easy — and so is paying with any enrolled card at any time.
  • Add just one card, multiple cards, or all your cards — it's up to you!

View a complete list of participating Visa Checkout merchants or register today.