Visa Platinum

  • Travel Accident Insurance $1,000,000
  • Baggage Delay Insurance up to $300
  • Cell Phone Protection
    Cell phone protection that provides reimbursement for damage or theft of a cell phone as long as members charge their monthly cell phone bill to their Visa Platinum card.
  • Auto Rental Insurance
  • Roadside Assistance & Additional benefits 
    Additional Visa Platinum benefits include Purchase Security, Extended Protection, Return Protection, and Roadside Dispatch—get the value you deserve!

 Visa Gold

  • Travel Accident Insurance $250,000
  • Baggage Delay Insurance up to $300
  • Auto Rental Insurance

 Visa Classic

  • Travel Accident Insurance $100,000
    Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel ticket are purchased with the card.
  • Baggage Delay Insurance up to $300 
    Never worry if your bag will make it or not on your next vacation. Benefits include up to $300 to cover the emergency purchase of essential items needed by the cardholder while on a covered trip in the event baggage is delayed.
  • Auto Rental Insurance
    Car rental insurance coverage when the car is rented using a Visa card.

Visa Cards:

Experience rich benefits with a River City members only Visa credit card. With River City, you’ll never pay an annual fee. See what else a River City Visa credit card offers.

New River City FCU EMV Visa Credit Cards program featuring Extra Awards set to launch Monday, May 23, 2016.

See EMV Visa Credit Cards for details.

See Extra Awards Program Frequently Asked Questions to learn how to earn points beginning May 23, 2016.

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


In Branch


Credit Card Type APR*
Visa Classic 12.90%
Visa Gold 10.90%
Visa Platinum 7.90%
Introductory Rate - All Visa Credit Cards 1 2.99%


*APR stands for Annual Percentage Rate.

Rates shown are based on credit performance.

Loan rates are in effect as of April 15, 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 Fees Amount
Late Payment 5% of minimum payment due, $15 minimum
NSF (Non-Sufficient Funds) $25

Vantiv's eZ Pay ACH Payment Draft  
Payment by phone via Member Service Center $5
Payment by phone via Automated System $4
Foreign Transaction Fee 1% of transaction amount for charges made outside the US