Credit union · NCUA insured
R.I.A. Federal Credit Union Savings Rates
A $674.1M credit union headquartered in Bettendorf, IA, with 39,879 members and 11 branches in 3 states.
How R.I.A. Federal Credit Union’s savings 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
0.80%APY
- Requires
- None
- Minimum
- $25,000
- Earns on $10,000 a year
- —
Mega Share Money Market Account
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Vibrant Credit Union
3.38%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $338
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Mega Share Money Market Account
Up to 1.51%APY
Minimum balance to open account is $25,000. Minimum deposit is $100. Minimum daily balance to earn dividends and avoid a service fee is $25,000. During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in fees of $10 per withdrawal, and account closure by the credit union.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $50,000Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period is monthly. Minimum deposit is $100. Up to 3 withdrawals/transfers per statement cycle. | 0.80% | — | Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period is monthly. Minimum deposit is $100. Up to 3 withdrawals/transfers per statement cycle. |
| $50,000 – $100,000Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period is monthly. Minimum deposit is $100. Up to 3 withdrawals/transfers per statement cycle. | 1.00% | — | Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period is monthly. Minimum deposit is $100. Up to 3 withdrawals/transfers per statement cycle. |
| $100,000 – $250,000Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period is monthly. Minimum deposit is $100. Up to 3 withdrawals/transfers per statement cycle. | 1.26% | — | Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period is monthly. Minimum deposit is $100. Up to 3 withdrawals/transfers per statement cycle. |
| $250,000 and upDividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period is monthly. Minimum deposit is $100. Up to 3 withdrawals/transfers per statement cycle. | 1.51% | — | Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period is monthly. Minimum deposit is $100. Up to 3 withdrawals/transfers per statement cycle. |
Sources (1)
- riafcu.com/personal/accounts/savings · captured Sep 18, 2026
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.