R.I.A. rates: up to 3.92% APY
credit union · NCUA CHARTER 17117 · www.riafcu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Holiday Club Account | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Regular Share Account | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Account | X-Tra Kash Account | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Share Account | up to $10k | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Share Account | $10-25k | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Share Account | $25-100k | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Super Share Account | over $100k | 1.21% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings | up to $5,000 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings | over $5,000 | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Share Certificate Terms & | 91 Days · $500 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificate Terms & | 6 Months · $500 | 3.92% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificate Terms & | 9 Months · $500 | 2.53% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificate Terms & | 12 Months · $500 | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificate Terms & | 18 Months · $500 | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificate Terms & | 24 Months · $500 | 2.88% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificate Terms & | 36 Months · $500 | 2.93% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificate Terms & | 60 Months · $1,000 | 3.03% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Mega Share Money Market Account | $25,000-$49,999.99 | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Mega Share Money Market Account | $50,000-$99,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Mega Share Money Market Account | $100,000-$249,999.99 | 1.26% | APY | 2026-11-01 | since 2026-11-01 | |
| Mega Share Money Market Account | $250,000+ | 1.51% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Smart Checking | up to $15,000 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Checking | over $15,000 | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.riafcu.com/rates/ | 2026-11-02 00:43 UTC | ok | dd4a3ca8632b |