Credit union · NCUA insured
R.I.A. Federal Credit Union CD Rates
R.I.A. Federal Credit Union’s best CD rate is 3.92% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How R.I.A. Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Davenport, IA-IL, where R.I.A. Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
R.I.A. Federal Credit Union
3.92%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $194
Share Certificate
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Ascentra
4.40%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,137
R.I.A. Federal Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.92%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.03%
- QualifiedQualified3.92%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where R.I.A. Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.92%APY · 8 terms
$500 deposit required to open; $500 daily balance required to earn dividends. Penalties may be imposed for early withdrawal. Fees may reduce earnings. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 Excess Share Insurance). Rates may change at maturity.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividend frequency: Maturity | 0.20% | — | 0.20% | $5 |
| 6 monthsDividend frequency: Monthly | 3.92% | — | 3.92% | $194 |
| 9 monthsDividend frequency: Monthly | 2.53% | — | 2.53% | $189 |
| 12 monthsDividend frequency: Monthly | 3.65% | — | 3.65% | $365 |
| 18 monthsDividend frequency: Monthly | 3.45% | — | 3.45% | $522 |
| 24 monthsDividend frequency: Quarterly | 2.88% | — | 2.88% | $584 |
| 36 monthsDividend frequency: Quarterly | 2.93% | — | 2.93% | $905 |
| 60 monthsDividend frequency: Quarterly | — | 3.03% | 3.03% | $1,610 |
Special-purpose accounts
IRA Certificate
Up to 3.66%APY · 5 terms
Certificates may be designated traditional or Roth IRAs. 91-day to 5-year terms available for IRA Certificates. $500 deposit required to open; $500 daily balance required to earn dividends. Penalties may be imposed for early withdrawal. Fees may reduce earnings. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 Excess Share Insurance). Rates may change at maturity.
| Term | APY · $5 and up | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| UnknownVariable term. Dividend frequency: Monthly | 0.25% | — | — | 0.25% | $0 |
| 12 monthsDividend frequency: Quarterly | — | 3.66% | — | 3.66% | $366 |
| 24 monthsDividend frequency: Quarterly | — | 2.27% | — | 2.27% | $459 |
| 36 monthsDividend frequency: Quarterly | — | 2.93% | — | 2.93% | $905 |
| 60 monthsDividend frequency: Quarterly | — | — | 3.03% | 3.03% | $1,610 |
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.