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Mortgage and Home Equity Loans


Home Loans for the Quad Cities and Beyond

From house hunting to closing the deal, there are many steps to take before you can call a house your home. That's why R.I.A. Federal Credit Union makes applying for a home loan as simple and easy as possible.

Start now with your online home loan application in our Mortgage Center or call 1-563-355-3800 or 800-742-2848 to get connected with a Mortgage Loan Officer.

We Have Mortgages For Every Home Financing Need.

  • Low, Competitive Rates
  • 10, 20, and 30-Year Fixed-Rate Mortgages
  • Adjustable Rate Loans
  • FHA, VA, and USDA Loans
  • Easy online mortgage loan application
  • Expert personal service at every step
  • Local decision-making
  • Low closing costs

Home Loan Rates

R.I.A. FCU's home loan rates in the Quad Cities area are among the most competitive, as well as around Tomah and Fort McCoy, Wisconsin. Check out our latest rates or contact your nearest branch today!

Mortgage Refinancing

Refinance your existing mortgage loan with R.I.A. Federal Credit Union and save! Our competitive rates can lower your monthly payments to give you more room in your monthly budget or you can pull cash out to utilize the equity in your home for whatever you need! Calculate how much you can save by refinancing. 

Home Equity Loans or Line of Credit

A home equity loan will give you access to cash for projects or large purchases you need now. We allow members who qualify to borrow up to 95% of home value, where as other lenders cap it at only 80%. Speak with our Mortgage Loan Officers at any of our 11 credit union branches to learn more.
  • 5 and 10- year Home Equity Loan Terms
  • Home Equity Lines of Credit (HELOC)
  • Up to 95% LTV (Loan-To-Value)
  • Low closing costs
  • Fast approval
  • Local decision-making

Home Improvement Loans

If there's a fact of life for homeowners, it's this: there's always another project. In general, though, the money you put into your home is money you get back. With our great rates and  terms a home improvement loan from R.I.A. Federal Credit Union can be a smart choice with a big payoff.

Or maybe you're ready to do a little construction or some remodeling? In that case, an RIAFCU Home Improvement Loan is the way to go. Why? It will provide you with the money you need to pay any contractors, suppliers, and all the necessary craftsmen to get the job done. 

Best of all, our home improvement loans are available at up to 133% loan-to-value!

Home Loans for First-Time Home Buyers

If this is your first time buying a home, our mortgage lenders will guide you through the process of finding a home loan rate that fits your budget and financial goals. We'll take the time to walk you through your options and explain the pros and cons of each. There's a lot of questions to answer and we want to help you make the smartest home loan decision for you. 

R.I.A. FCU offers mortgage loans near the following communities:

  • Quad Cities:
  • Bettendorf
  • Davenport
  • Moline
  • Rock Island

  • Iowa:
  • Wilton

  • Illinois:
  • Milan
  • Silvis
  • Savanna

  • Wisconsin:
  • Fort McCoy
  • Tomah



*Offer can end at anytime.

Contact Corporate Office
4343 Utica Ridge Road
Bettendorf, Iowa 52722