All River City FCU branches including the Member Contact Center will be closed on Monday, May 27, 2019 in honor of Memorial Day. You can access your accounts 24 | 7 via the rcitymobile app or rcityonline home banking.

Share Certificate

A Share Certificate offers you the opportunity to earn interest and save money. Certificates have a higher yielding interest return rate than a savings account and avoid the risks of market-based investments with a secure certificate.

  • Open with a $500 minimum deposit
  • Share Certificates $100,000 and above earn higher dividends
  • Flexibility in maturity terms

Certificates are designed to help build wealth for the future.  Please note the following:

  •  After the account is opened, you may not make additions into the account until after the maturity date stated on the account.
  •  Early withdrawals are subject to dividend penalties based on the qualifying period, effective December 1, 2012.
    • Less than 12 months – 90 days dividends
    • 12 to less than 24 months – 180 days dividends
    • 24 to less than 48 months – 365 days dividends
    • 48 months and greater – 730 days dividends

Becoming a River City member just got easier! Apply in branch or by phone.

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Share and IRA Certificate Terms for account balance up to $99,999.99 Dividend Rate APY*
Six months 1.980% 2.00%
1 year 2.323% 2.35%
2 years 2.616% 2.65%
3 years 2.713% 2.75%
4 years 2.956% 3.00%
5 years 3.198% 3.25%

Share and IRA Certificate Terms for account balance $100,000 plus Dividend Rate APY*
Six months 2.029% 2.05%
1 year 2.372% 2.40%
2 years 2.664% 2.70%
3 years 2.762% 2.80%
4 years 3.005% 3.05%
5 years 3.247% 3.30%


*APY stands for Annual Percentage Yield. Dividend rates are in effect as of February 13, 2019, and subject to change without prior notice.

1Initial $5,000 deposit must be new money to River City FCU. Promotion available for a limited time only.

2Any Share Certificate term and balance tier may be used to establish an Individual Retirement Account Certificate. Minimum balance is $500 for Share Certificates and IRA Certificates. IRA withdrawals before age 59 1/2 years of age are subject to certain IRS penalties.

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