Credit union · NCUA insured
R.I.A. Federal Credit Union Auto Loan Rates
R.I.A. Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How R.I.A. Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Davenport, IA-IL, where R.I.A. Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
R.I.A. Federal Credit Union
5.24%APR
- Terms
- 24–66 months
- Discount
- None included
Vehicle Loans
Lowest rate
Gas & Electric Credit Union
4.40%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
2nd-lowest rate
Moline Municipal Credit Union
4.40%APR
- Terms
- up to 60 months
- Discount
- None included
R.I.A. Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where R.I.A. Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Vehicle Loans
Membership is not required to apply, but required to finalize the loan. Rates, terms and conditions subject to change and may vary based on creditworthiness and qualifications. Loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 5.24% | Model Year 2020-2027 Vehicle Loans |
| 49–66 months | 5.24% | Model Year 2020-2027 Vehicle Loans |
| 67–75 months | 5.24% | Model Year 2020-2027 Vehicle Loans. 67-75-month financing available only on loans of $12,000 or more only on 2020-2027 model year. |
| 76–84 months | 5.24% | Model Year 2020-2027 Vehicle Loans. 76-84-month financing available only on loans of $20,000 or more only on 2020-2027 model year. |
| 24–66 months | 5.24% | Model Year 2017-2019 |
| 24–54 months | 6.74% | Model Year 2006-2016 |
| 24–63 months | 7.74% | Classics (50 years old minimum) |
| 64–72 months | 7.74% | Classics (50 years old minimum), over $20,000 |
Who can join R.I.A. Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.