Visa Credit Cards

EMV gold platinum combinedOur new EMV Visa credit card program feature Extra Awards.

Great rates are just part of the benefits of our Visa Platinum and Gold credit cards. All RCFCU cardholders are now automatically enrolled in Extra Awards, earning points toward domestic air travel, gift cards and more.

For more information, see these documents:

To check your Visa credit card balance or to make a payment online, login to rcityonline or rcitymobile banking. Your credit card account now appears on the list with your other River City FCU accounts. Credit cardholders may access Extra Awards for through rcityonline.

Not signed up for online or mobile banking? Enroll in rcityonline, or call our Member Service Center at 210-225-6866 for details.

Please contact our Member Service Center at 210-225-6866 to:

  • Change or customize your PIN
  • Request replacements for lost/stolen credit cards

If you have not taken the following actions, please do so immediately:

  • Update companies authorized to receive recurring payments from your old Visa credit card, and switch to your new Visa credit card information effective May 23, 2016. You must contact these companies, as payments with the old credit card number will not be accepted as of May 23, 2016.
  • Send payments to RCFCU in the envelope enclosed in your credit card statement, or the address shown on your e-statement, as of May 23, 2016. Call the number on your new credit card for inquiries.

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


In Branch


Credit Card Type APR*
Visa Gold 10.90%
Visa Platinum 7.90%
Introductory Rate - All Visa Credit Cards 1 2.99%


*APR stands for Annual Percentage Rate.  Rate subject to adjust annually based on Prime index.

Rates shown are based on credit performance.

Loan rates are in effect as of September 1, 2016, and subject to change without prior notice.

1 Introductory rate of 2.99% APR* applicable until the first day of the billing cycle that includes the six-month anniversary of the date of opening the account.

After introductory period, rate ranges from 7.90% APR to 12.90% APR depending on credit performance.

Credit Card Type APR*
Visa Gold 10.90%
Visa Platinum 7.90%
Introductory Rate - All Visa Credit Cards 1 2.99%

Credit Card Fees Amount
Late Payment 5% of minimum payment due, $15 minimum
NSF (Non-Sufficient Funds) $25