River City FCU will close Monday, May 30, 2016, in observance of Memorial Day.

Visa Credit Cards

Our new EMV Visa credit card program, featuring Extra Awards, is set to launch Monday, May 23, 2016.

See the News Story.

For more information, download these documents:


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


In Branch


Credit Card Type APR*
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 May 23, 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