Frequently Asked Merger Questions
Merger FAQ
You have questions. We have answers. See below for a list of our most frequently asked merger questions.
About the Merger
- Member accounts and services continue as normal.
- Staff and branches remain open and operational.
- Branding, website, and mobile app will stay the same until the system conversion.
- Member service standards and local decision-making will continue unchanged through the transition period.
R.I.A. will remain the lead brand.
- Redbrand locations will retain their current branding until system conversion.
- Signage, statements, and digital platforms will transition to R.I.A.’s brand after conversion (early 2027).
Member Vote: April 29, 2026, 5:15 p.m. in the Bartonville Branch lobby. All members are welcome to attend.
Legal Close: Following member approval and NCUA consent (May 2026).
System Conversion: After legal close — the final integration date will be shared closer to implementation (early 2027).
Redbrand Credit Union is merging with R.I.A. Federal Credit Union
The merger is designed to enhance member access, strengthen service offerings, and expand convenience.
Members can expect:
- Expanded branch and ATM access across both institutions’ footprints.
- Broader product and service options, leveraging R.I.A.’s scale and technology.
- Enhanced digital tools and online banking capabilities once systems are integrated.
- Sustained local service with the same familiar staff.
Members will continue to receive competitive rates and personalized service.
Deposits & Insurance
Yes — your money remains completely safe.
After the merger, deposits will continue to be federally insured by the National Credit Union Administration (NCUA) for up to $250,000 per individual depositor.
In addition, R.I.A. Federal Credit Union provides an extra layer of protection through Excess Share Insurance (ESI), which insures deposits for an additional $250,000.
That means your total deposit coverage after the merger will be up to $500,000 per member — offering more protection than most financial institutions.
Branches, ATM & Hours
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
Both Redbrand Credit Union branches — Bartonville, IL and Pekin, IL — will remain open and continue serving members with the same staff and friendly service you know today.
There are no planned branch closures or relocations as part of this merger. In fact, R.I.A. Federal Credit Union plans to continue expanding to bring added convenience and access to more members in more communities.
After system conversion, members will be able to use an expanded branch and ATM network across all R.I.A. locations.
Membership & Eligibility
No — you do not need to do anything to retain your membership.
Your membership will automatically continue after the merger, and your accounts will remain active and accessible just as they are today.
There will be no interruption to your membership, accounts, or services. Once the system conversion occurs, you’ll receive clear communication about any new tools or login steps, but no immediate action is required from you.
Accounts, Numbers & Access
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
Cards, Payment & Digital
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
Loans & Servicing
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
At this time, nothing is changing. As more details are determined, information will be communicated well in advance.
No, your loan terms will not change.
Privacy, Security & Support
The latest merger updates can be found at riafcu.com/merger.
Protecting your personal information remains a top priority throughout the merger process. Both R.I.A. Federal Credit Union and Redbrand Credit Union follow strict data security and privacy standards that comply with all federal regulations, including those enforced by the National Credit Union Administration (NCUA).
During the merger, your member information will be securely transferred and protected using the same encryption, firewalls, and access controls already in place at both credit unions. Your data will be used only to maintain and service your accounts — it will not be sold, shared, or used for any unauthorized purpose.
R.I.A. maintains a comprehensive information security and privacy program designed to safeguard your data at every stage of the merger and beyond.
Timeline & Governance
Yes. Following regulatory approval, there will be a Redbrand Credit Union member vote. The vote will take place on April 29, 2026, at 5:15 p.m. at the Bartonville, IL office.