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† Must be a new qualifying member opening Start Smart checking during the week of April 6-11. Not all qualify for checking account. Account termination fee applies to accounts closed within 90 days. New members will receive $50 bonus after May qualification cycle once account qualifications are met: 12 monthly debit card purchases, receive or send one automatic ACH deposit or withdrawal, and sign up for electronic statements to earn 2.00% APY. All normal account opening requirements apply.

* Certificate rate available until our deposit limit is reached. Max deposit of $50,000 per individual. A business cannot open Certificate. APY=annual percentage yield.

** This 2% program is effective April 1, 2015 to June 30, 2015. All refinanced AUTO loans are subject to a minimum R.I.A. floor rate of 1.99%APR, and 3.25% APR on RV/Marine/Motorcycle loans. Loan must be refinanced from another lender and not be currently housed with R.I.A. Federal Credit Union Maximum rate of 18% APR for all loans. Maximum loan term of 66 months for the 1.99% rate on Autos, and Maximum loan term of 60 months for 3.25% APR for RV/Marine/Motorcycle loans. Offer applies to closed end loan only. Eligible collateral includes New through 10 year-old models only. Loans currently financed at R.I.A. FCU are not eligible for this promotion. APR = annual percentage rate.