Lender profile
R.I.A. Federal Credit Union
Lender Live rate observations
R.I.A. Federal Credit Union at a glance
R.I.A. Federal Credit Union is a lender based in Illinois. LoanMate.ai tracks 15 published loan products from R.I.A. Federal Credit Union (18 rate listings), last verified 2026-10-21. Its lowest published rate today is 5.24% on New auto loan · 48 months. Its 30-year fixed rate of 7.5% is 0.375 points above the national median of 7.125% (across 265 lenders publishing that product). R.I.A. Federal Credit Union lends in Illinois only.
Purchase mortgage (7)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/1ARM | 6.250 | 6.442 | — | — | 2026-10-21 | Lender source ↗ |
| 7/1ARM | 6.375 | 6.569 | — | — | 2026-10-21 | Lender source ↗ |
| 10/1ARM | 6.750 | 6.948 | — | — | 2026-10-21 | Lender source ↗ |
| 10FP | 7.125 | 7.583 | — | — | 2026-10-21 | Lender source ↗ |
| 15FP | 7.375 | 7.705 | — | — | 2026-10-21 | Lender source ↗ |
| 30FP | 7.500 | 7.708 | — | — | 2026-10-21 | Lender source ↗ |
| 20FP | 7.750 | 8.020 | — | — | 2026-10-21 | Lender source ↗ |
HELOC (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | 6.49 | 6.650 | — | — | 2026-10-21 | Lender source ↗ |
| HELOC | 7.49 | 7.654 | — | — | 2026-10-21 | Lender source ↗ |
Home equity loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | 5.990 | 6.409 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-10yr | 6.490 | 6.715 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-5yr | 6.990 | 7.413 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-10yr | 7.240 | 7.468 | — | — | 2026-10-21 | Lender source ↗ |
Auto loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-48 | — | 5.24 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.24 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED | — | 5.24 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED-54-OLD | — | 6.74 | — | — | 2026-10-21 | Lender source ↗ |
Personal loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-12 | — | 9.25 | — | — | 2026-10-21 | Lender source ↗ |
How does R.I.A. Federal Credit Union's 30-year fixed rate compare nationally?
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Illinois
Compare with: 1st MidAmerica Credit Union, Abri Credit Union, CEFCU, Central Credit Union of Illinois
Common questions
What is the lowest published rate at R.I.A. Federal Credit Union?
As of October 21, 2026, the lowest rate LoanMate.ai tracks from R.I.A. Federal Credit Union is 5.24% on its New auto loan · 48 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does R.I.A. Federal Credit Union lend?
R.I.A. Federal Credit Union lends in Illinois only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does R.I.A. Federal Credit Union's 30-year fixed rate compare nationally?
R.I.A. Federal Credit Union publishes 30-year fixed at 7.5%. The national median for that product is 7.125% across 265 lenders in LoanMate.ai's October 21, 2026 dataset, so R.I.A. Federal Credit Union is 0.375 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.