Credit union · NCUA insured
R.I.A. Federal Credit Union
A $674.1M credit union headquartered in Bettendorf, IA, with 39,879 members and 11 branches in 3 states. Best rates: CDs 3.92% APY.
R.I.A. Federal Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#12 of 28 in Davenport, IA-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About R.I.A. Federal Credit Union
Operating since 1935, R.I.A. Federal Credit Union is a member-owned cooperative financial institution.
The credit union proudly serves the Quad Cities and surrounding areas across Illinois, Iowa, and Wisconsin communities.
- Headquarters
- 4343 Utica Ridge Rd, Bettendorf, IA 52722
- NCUA charter
- 17117
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or is a member of a fraternal organization in the community and surrounding areas served by R.I.A. Federal Credit Union.
Military, government and schools
- Civilian employees and military personnel (active or retired) of the U.S. Government who work, train, or are stationed on the Rock Island Arsenal or Ft. McCoy military installation are eligible to join.
Cost to join
- A $5 membership fee is required.
Branches
11 branches in 3 states
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Illinois
5 branches
Davenport area · 4
- 10110 10th Ave E, Milan, IL 61264Directions
- 34460 16th St, Moline, IL 61265Directions
- 11Rock Island Arsenal Building 61, Rock Island, IL 61299Directions
- 142001 5th St Ste 8, Silvis, IL 61282Directions
Savanna area · 1
- 2103 3rd St, Savanna, IL 61074Directions
Iowa
4 branches
Davenport area · 3
- 1Main office4343 Utica Ridge Rd, Bettendorf, IA 52722Directions
- 164880 Forest Grove Dr, Bettendorf, IA 52722Directions
- 53509 N Harrison St, Davenport, IA 52806Directions
Muscatine area · 1
- 81111 W 5th St, Wilton, IA 52778Directions
Wisconsin
2 branches
- 41501 S 10th Ave, Fort McCoy, WI 54656Directions
- 61024 N Superior Ave, Tomah, WI 54660Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.89% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.70% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $74 | $76 | — |
- CapitalNet worth ratio9.89%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.70%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$74Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of R.I.A. Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.