Winter Special Share Certificate

Head into 2019 ahead of the game... start saving now! For a limited time only, River City FCU is offering a Winter Special Share Certificate with an awesome rate of 2.75% APY*! It's one of the best rates in San Antonio right now and it's super easy to get. You can visit any branch to open your share certificate today! The Winter Special Certificate requires a minimum initial deposit of $5,0001 and offers a rate of 2.75% APY for 25 months.

Stop in or give us a call today to open your Winter Special... before it's gone for good!


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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Winter Special Share Certificate Term Dividend Rate APY*1
25 months 2.713% 2.75%

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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