Banking & Loan Rates

*Rates effective as of 05/28/2024 and are subject to change without notice.

Personal Checking Rates

Account TypeDividend RateAPY
Smart Checking (up to $15,000)1.98%32.00%3
Smart Checking (over $15,000).10%3.10%3
Basic CheckingNo DividendsNo APY

Business Checking Rates

Account TypeDividend RateAPY
Business Checking Account.20%5.20%5

Savings Account Rates

Account TypeDividend RateAPY
Regular Share Account.10%6.10%6
X-Tra Kash Account.10%6.10%6
Holiday Club Account.10%6.10%6
Super Share Account (up to $10k).40%6.40%6
Super Share Account ($10-25k).60%6.60%6
Super Share Account ($25-100k).75%6.75%6
Super Share Account (over $100k)1.20%61.21%6
Mega Share Money Market Account ($25,000-$49,999.99).80%6.80%6
Mega Share Money Market Account ($50,000-$99,999.99)1.00%61.00%6
Mega Share Money Market Account ($100,000-$249,999.99)1.25%61.26%6
Mega Share Money Market Account ($250,000+)1.50%61.51%6

Most financial institutions insure up to $250,000 of your hard-earned money. At R.I.A., we’ve doubled that!⁶ Get peace of mind when you bank with R.I.A.

Youth Account Rates

Account TypeDividend RateAPY
KARS Account.10%7.10%7
myCA$H Account.10%7.10%7

Certificate Rates

TermMinimum BalanceDividend FrequencyDividend RateAPY
91 Days$500Maturity.20%8.20%8
6 Months$500Monthly4.90%85.01%8
9 Months$500Monthly4.00%84.07%8
12 Months$500Monthly2.50%82.53%8
18 Months$500Monthly2.50%82.53%8
24 Months$500Quarterly2.25%82.27%8
36 Months$500Quarterly1.75%81.76%8
60 Months$1,000Quarterly1.90%81.91%8
TermMinimum BalanceDividend FrequencyDividend RateAPY
Variable*$5Monthly.25%8.25%8
12 Months$500Quarterly2.50%82.52%8
24 Months$500Quarterly2.25%82.27%8
36 Months$500Quarterly1.75%81.76%8
60 Months$1000Quarterly1.90%81.91%8

Most financial institutions insure up to $250,000 of your hard-earned money. At R.I.A., we’ve doubled that!⁶ Get peace of mind when you bank with R.I.A.

Personal Loan Rates

Rates as low as 3%
Loan TypeTermAPR
Personal Loan Greater than $5,000Up to 48 Months11.25%10

Vehicle Loan Rates

Rates as low as 0%
Model YearTermAPR
2018-2025 Vehicle Loans24-48 Months6.64%11
2018-2025 Vehicle Loans49-66 Months6.89%11
2018-2025 Vehicle Loans67-75 Months117.39%11
2018-2025 Vehicle Loans76-84 Months117.64%11
2015-201724-66 Months8.89%11
2004-201424-54 Months10.39%11
Classics (20 years old minimum)24-63 Months8.89%11
Classics (20 years old minimum)64-72 Months (over $20,000)8.89%11
Rates as low as 0%
Model YearTermAPR
2018-2025Up to 66 Months7.54%11
2018-2025 Motorcycles Only Over $20,00067-75 Months8.04%11
2023-2025 Only Over $25,00076-84 Months11.54%11
2004-2017Up to 66 Months9.54%11
2004-2017 Motorcycles Only Over $20,00067-75 Months11.04%11
Rates as low as 0%
Model YearTermAPR
2018-2025 Under $25,000Up to 66 Months7.54%11
2018-2025 Over $25,00067-75 Months8.04%11
2018-2025 RVs or Boats Only Over $25,00076-120 Months8.54%11
2004-2017 Under $25,000Up to 66 Months9.54%11
2004-2017 Over $25,00067-75 Months11.04%11
2004-2017 RVs or Boats Only Over $25,00076-84 Months11.54%11

Home Loan Rates

Rates as low as 6.000%
TermRateAPRMonthly Payment Examples
30 Year Fixed7.000%127.201%12$665.30
20 Year Fixed6.000%126.25212$716.43
15 Year Fixed6.000%126.317%12$843.86
10 Year Fixed6.000%126.449%12$1110.21
10 Year ARM*6.000%126.189%12$599.55
5 Year ARM*6.250%126.442%12$615.72
Investment 5 Year ARM*Contact us for rates--
ConstructionContact us for rates--
VA, FHA, and USDAContact us for rates--
Rates as low as 6.000%
TermRateAPR
5 Year Home Equity (up to 80% LTV)6.000%136.670%13
5 Year Home Equity (up to 100% CLTV)7.000%137.674%13
10 Year Home Equity (up to 80% LTV)7.000%137.227%13
10 Year Home Equity (up to 100% CLTV)8.000%138.482%13
Variable HELOC 80% LTV8.000%138.231%13
Variable HELOC 100% CLTV8.250%138.418%13
Disclaimer

3. Smart Checking –

    • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.00%; and (3) balances over $15,000 earn 0.10% APY on portion of balance over $15,000, resulting in 2.00% to 0.19% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings on the account.
    • All Checking Accounts are subject to approval. Must meet qualifications.
    • Must be a member to open a checking account. Some restrictions apply.
    • Deposits are insured up to $250,000 in insurance by NCUA.
    • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.
    • Qualifications required to earn rewards include: (1) 12 debit card purchases posted and settled; (2) enrollment in eStatement notice; and (3) one automatic payment (ACH) or direct deposit posted and settled.

5. Business Checking

    • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
    • Minimum deposit to open a Business Checking Account is $100.
    • Balances over $2,500 earn dividends. $0.20 fee per draft. Low balance fee if balance falls below $1,000. Fees may reduce earnings on the account.
    • All Checking Accounts are subject to approval. Must meet qualifications.
    • Must be a member to open a checking account. Some restrictions apply.
    • Deposits are insured up to $250,000 in insurance by NCUA.
    • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.

6. Savings Account

    • APY=Annual percentage Yield. APYs accurate as of the last dividend declaration date. The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly.
    • Fees may reduce earnings on the account.
    • (Super Share) During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in fees of $5 per month, and account closure by the credit union.
    • (Mega Share) During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in fees of $10 per withdrawal, and account closure by the credit union.
    • Deposits are insured up to $250,000 in insurance by NCUA.
    • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.

7. Youth Accounts

    • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
    • *Rates may change after the account is opened. Fees may reduce earnings on this account.
    • (KARS Account) This account requires $5 to open. Earns dividends. Rates may change after the account is opened. Fees may reduce earnings on this account. 1 deposit equals 1 point. Points can be redeemed for prizes. Members under the age of 18 need a co-owner on the account.
    • (My Cash Teen Account) This account requires $5 to open. Earns dividends. Rates may change after the account is opened. Fees may reduce earnings on this account.  Cash incentives are paid out when myCA$H member brings in membership card to verify incentive behavior has been completed. . Direct deposit, E-statement, debit card, $500 saved and $1,500 saved incentives are paid once. Certain restrictions apply, not all will qualify. Members under the age of 18 need a co-owner on the account.
    • Deposits are insured up to $250,000 in insurance by NCUA.
    • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.

8. Certificates

    • (Share Certificate) Penalties may be imposed for early withdrawal. Rates accurate as of the last dividend declaration date. Fees may reduce earnings. $500 deposit required to open this account. $500 daily balance required to earn dividends.
    • (IRA) Rates accurate as of the last dividend declaration date. Penalties may be imposed for early withdrawal. Fees may reduce earnings. IRA Certificates are available at the same interest rates as our regular Certificates. Certificates may be designated traditional or Roth IRAs. 91-day to 5-year terms available for IRA Certificates. Other restrictions and requirements may apply. Rates may change at maturity. $500 deposit required to open this account. $500 daily balance required to earn dividends.
    • APY=Annual Percentage Yield. APYs accurate as of 4/01/2024; the last dividend declaration date. Rates may change at maturity. Fees may reduce earnings on the account.
    • A penalty may be imposed for early withdrawal.
    • Deposits are insured up to $250,000 in insurance by NCUA.
    • Deposits insured up to an additional $250,000 by Excess Share Insurance, for a total insured amount of $500,000.

10. Personal Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • • APR is Annual Percentage Rate. Rate is fixed (non-variable). This offer is for new money only, no internal refinances. 11.25% APR. Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $25.97 per $1,000 borrowed at 11.25% APR. All loans are subject to approval.
    • See Rates and Fees Schedule

11. Vehicle Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • 67-75-month financing available only on loans of $12,000 or more only on 2018-2025 model year.
    • 76-84-month financing available only on loans of $20,000 or more only on 2018-2025 model year.
    • For example, a 48-month term on a new vehicle loan for $20,000 at 6.64% APR, the monthly payment will be approximately $475.59.

12. Home Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Payments based upon a $125,000 purchase price with 20% down, loan amount of $100,000. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater.
    • 5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate for the first five years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 6.442% APR, the first 60 payments are $615.72, with 12 payments at $751.27 if the rate were to adjust to 8.467%, 12 payments at $896.10 if the rate were to adjust to 10.495%, 12 payments at $1,047.90 if the rate were to adjust to 12.526%. The maximum lifetime cap is 6%.
    • 10/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate for the first ten years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 6.189% APR, the first 120 payments are $599.55, with 12 payments at $733.76 if the rate were to adjust to 8.214%, 12 payments at $877.57 if the rate were to adjust to 10.242%, 12 payments at $1,028.61 if the rate were to adjust to 12.272%. The maximum lifetime cap is 6%.
    • Loans are subject to credit approval. Restrictions may apply

13. Home Equity

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • For example, a 60-month Fixed Home Equity Loan for $10,000 at a 7.643% APR, the monthly payment will be approximately $193.00.
    • For example, a 60-month Home Improvement Loan for $20,000 at a 7.834% APR, the monthly payment will be approximately $396.00.
    • For example, a 120-month Power Equity Loan for $20,000 at a 7.448% APR, the monthly payment will be approximately $232.00.
    • Home Equity Lines of Credit are variable-rate loans. Rates as low as 8.000% APR are based on an evaluation of credit history, CLTV (combined-loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The plan has a maximum APR of 18%. Closing costs vary by state and range from $100-$500.

14. Student Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.

20. Holiday Loans

    • Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • APR is Annual Percentage Rate. Rate is fixed (non-variable). Offer is a signature loan from $500 to $5,000 for a maximum term of 12 months. Loan proceeds must be new money. Up to $500 roll in of a current RIAFCU loan balance to pay off a current loan. Limited time offer based on capacity to repay. Personal loan example: 12 monthly payments of $87.57 per $1,000 borrowed at 9.25% APR. All loans are subject to approval