R.i.a. Credit Union
Verified rate book
Current R.i.a. Credit Union rates
63 published offers verified as of August 4, 2026.
Mortgage rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.822% APR | 6.822% | — | Standard |
| 15-Year Fixed15 year fixed | 6.695% APR | 6.695% | — | Standard |
| 7/1 ARM7 1 arm | 5.375% APR | 5.375% | — | Standard |
| 5/1 ARM5 1 arm | 5.375% APR | 5.375% | — | Standard |
| 10/1 ARM10 1 arm | 5.500% APR | 5.500% | — | Standard |
| 10-Year Fixed10 year fixed | 6.701% APR | 6.701% | — | Standard |
| 20-Year Fixed20 year fixed | 7.010% APR | 7.010% | — | Standard |
Auto & vehicle rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 48-Month Auto Loan (2020–2027)auto_any_48mo | 5.490% APR | 5.490% | 48 mo | Standard |
| 2020-2027 Motorcycles Only Over $20,000motorcycle_any_75mo | 7.440% APR | 7.440% | 75 mo | Standard |
| Classics (50 years old minimum)auto_any_63mo | 7.990% APR | 7.990% | 63 mo | Standard |
| 2006-2019 Motorcycles Only Over $20,000motorcycle_any_75mo | 10.440% APR | 10.440% | 75 mo | Standard |
| 2025-2027 Only Over $25,000auto_any_84mo | 10.940% APR | 10.940% | 84 mo | Standard |
HELOC rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 5 Year Home Equity (up to 80% LTV)heloc | 5.990% APR | 5.990% | — | Standard |
| 10 Year Home Equity (up to 80% LTV)heloc | 6.240% APR | 6.240% | — | Standard |
| Variable HELOC 80% LTVheloc_variable | 6.490% APR | 6.490% | — | Standard |
| 5 Year Home Equity (up to 100% CLTV)heloc | 6.990% APR | 6.990% | — | Standard |
| 10 Year Home Equity (up to 100% CLTV)heloc | 7.240% APR | 7.240% | — | Standard |
| Variable HELOC 100% CLTVheloc_variable | 7.490% APR | 7.490% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Loan Greater than $5,000personal_unsecured_48mo | 11.000% APR | 11.000% | 48 mo | Standard |
Savings & CD rates
25 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Youth Spending (over $5,000)savings | 0.10% APY | 0.10% | — | Eligibility restricted |
| Regular Share Accountshare_savings | 0.10% APY | 0.10% | — | Standard |
| Certificate Terms & Rates (91 Days)share_certificate | 0.20% APY | 0.20% | — | Standard |
| Certificate Terms & Rates (Variable*)share_certificate | 0.25% APY | 0.25% | — | Standard |
| Super Share Account (up to $10k)share_savings | 0.40% APY | 0.40% | — | Standard |
| Super Share Account ($10-25k)share_savings | 0.60% APY | 0.60% | — | Standard |
| Super Share Account ($25-100k)share_savings | 0.75% APY | 0.75% | — | Standard |
| Mega Share Money Market Account ($25,000-$49,999.99)money_market | 0.80% APY | 0.80% | — | Standard |
| Business Money Market (up to $50k)money_market | 0.80% APY | 0.80% | — | Standard |
| Business Money Market ($50k - $100k)money_market | 1.00% APY | 1.00% | — | Standard |
| Mega Share Money Market Account ($50,000-$99,999.99)money_market | 1.00% APY | 1.00% | — | Standard |
| Super Share Account (over $100k)share_savings | 1.20% APY | 1.20% | — | Standard |
| Business Money Market ($100k - $250k)money_market | 1.25% APY | 1.25% | — | Standard |
| Mega Share Money Market Account ($100,000-$249,999.99)money_market | 1.25% APY | 1.25% | — | Standard |
| Mega Share Money Market Account ($250,000+)money_market | 1.50% APY | 1.50% | — | Standard |
| Business Money Market ($250k - $500k)money_market | 1.50% APY | 1.50% | — | Standard |
| Smart Checking (up to $15,000)savings | 1.98% APY | 1.98% | — | Standard |
| Business Money Market (over $500k)money_market | 2.00% APY | 2.00% | — | Standard |
| 24-Month Certificateshare_certificate_24mo | 2.25% APY | 2.25% | 24 mo | Standard |
| 9-Month Certificateshare_certificate_9mo | 2.50% APY | 2.50% | 9 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 2.90% APY | 2.90% | 36 mo | Standard |
| 60-Month Certificateshare_certificate_60mo | 3.00% APY | 3.00% | 60 mo | Standard |
| 18-Month Certificateshare_certificate_18mo | 3.40% APY | 3.40% | 18 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.60% APY | 3.60% | 12 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.85% APY | 3.85% | 6 mo | Standard |
Other rates
19 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Youth Spending (up to $5,000)other | 2.000% % | 2.000% | — | Standard |
| Rates as low as 5.49% (76-84 Months 11)other | 5.490% % | 5.490% | — | Standard |
| Rates as low as 5.49% (24-48 Months)other | 5.490% % | 5.490% | — | Standard |
| Rates as low as 5.49% (24-66 Months)other | 5.490% % | 5.490% | — | Standard |
| Rates as low as 5.49% (49-66 Months)other | 5.490% % | 5.490% | — | Standard |
| Rates as low as 5.49% (67-75 Months 11)other | 5.490% % | 5.490% | — | Standard |
| Rates as low as 5.990% (5.990% 13)other | 6.409% % | 6.409% | — | Standard |
| Rates as low as 5.990% (6.240% 13)other | 6.464% % | 6.464% | — | Standard |
| Rates as low as 5.990% (6.49% 13)other | 6.650% % | 6.650% | — | Standard |
| Rates as low as 6.94% (Up to 66 Months)other | 6.940% % | 6.940% | — | Standard |
| Rates as low as 5.49% (24-54 Months)other | 6.990% % | 6.990% | — | Standard |
| Rates as low as 5.990% (6.990% 13)other | 7.413% % | 7.413% | — | Standard |
| Rates as low as 6.94% (67-75 Months)other | 7.440% % | 7.440% | — | Standard |
| Rates as low as 5.990% (7.240% 13)other | 7.468% % | 7.468% | — | Standard |
| Rates as low as 5.990% (7.49% 13)other | 7.654% % | 7.654% | — | Standard |
| Rates as low as 5.49% (24-63 Months)other | 7.990% % | 7.990% | — | Standard |
| Rates as low as 5.49% (64-72 Months (over $20,000))other | 7.990% % | 7.990% | — | Standard |
| Rates as low as 6.94% (76-84 Months)other | 10.940% % | 10.940% | — | Standard |
| Rates as low as 11.00% (Up to 48 Months)other | 11.000% % | 11.000% | — | Standard |
As of August 4, 2026, R.i.a. Credit Union offers a 30-year fixed mortgage at 6.822% APR. Vehicle loans available from 5.49% APR for 48 months. HELOC rates from 5.99% APR. Personal loan rates from 11% APR. Savings and certificate yields up to 3.85% APY.
Source: RateAPI.dev, verified from R.i.a. Credit Union's official website
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About R.i.a. Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 39.9K
- Assets
- $674.1M
- Founded
- 1935
- Locations reported
- 11
- NCUA charter
- 17117
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join R.i.a. Credit Union
Membership eligibility from R.i.a. Credit Union's own published criteria. How we verify this.
Community charter: live/work in Monroe, Juneau, Carroll
- LocationMonroe, Juneau, Carroll
- AssociationSvithiod Club of Moline
Verified from R.i.a. Credit Union's membership page. Final membership determination is always made by the credit union.
Work at R.i.a. Credit Union?
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Frequently Asked Questions
What rates does R.i.a. Credit Union offer?
R.i.a. Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are R.i.a. Credit Union rates updated?
RateAPI verifies R.i.a. Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get R.i.a. Credit Union's rate data?
Rate data is collected directly from R.i.a. Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is R.i.a. Credit Union's mortgage rate?
As of August 4, 2026, R.i.a. Credit Union offers a 30-year fixed mortgage at 6.822% APR.
What are R.i.a. Credit Union's auto & motorcycle loan rates?
As of August 4, 2026, R.i.a. Credit Union offers vehicle loans from 5.49% APR.
What is R.i.a. Credit Union's HELOC rate?
As of August 4, 2026, R.i.a. Credit Union offers home equity lines of credit from 5.99% APR.
What is R.i.a. Credit Union's personal loan rate?
As of August 4, 2026, R.i.a. Credit Union offers personal loans from 11% APR.
What is R.i.a. Credit Union's best CD rate?
As of August 4, 2026, R.i.a. Credit Union offers savings and certificate (CD) yields up to 3.85% APY.
Related Rate Data
Compare R.i.a. Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for R.i.a. Credit Union
curl "https://api.rateapi.dev/credit-unions/illinois/ria" \
-H "Authorization: Bearer YOUR_API_KEY"