In observance of Independence Day, our branches and Member Contact Center will be closed on Saturday, 4th of July, 2020.

River City FCU has a PAL for You!

You’ve seen the commercials… Payday loan companies offering quick cash loans with little-to-no hassle, even if you have bad credit. Plus, they make it seem so simple and easy to get fast cash! However, did you know some of these predatory lending companies can lock you in with rates as high as 400% depending on the loan amount you choose?! And, if you don’t follow their payment plan, you can be charged huge late fees on top of that interest! If you find yourself in need of cash and considering one of these loans, make sure to stop and ask yourself, is this really the best solution to my cash problem?

We can answer that question for you now… No, there’s a better solution!

MyCash PAL: The Alternative to Payday Loans

The MyCash PAL (Payday Alternative Loan) is the smart option for a payday loan when you’re short on cash. We’ve designed this product to help our members who:

  • Find themselves low on cash between paydays
  • Have a troubled credit history and worry about getting other loans
  • Have an immediate need for emergency cash
  • Are stuck in the payday lending cycle and want to break free!

The MyCash PAL benefits current River City FCU members by allowing them an easy repayment schedule, a manageable loan payment that fits into their budget and there’s no credit check done prior to getting this loan! The MyCash PAL loan is a short-term loan featuring:

  • No credit checks
  • Up to 6 months to pay back the loan
  • Quick, easy way to get cash
  • Lower-cost versus other lenders
  • Borrow as little as $300 or as much as $1,000

To apply for your MyCash PAL today, visit any branch location or call our Loan Sales Team at (210) 244-2505.

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


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Term APR*
up to 6 months 28.00%


*APR means Annual Percentage Rate as of June 8, 2018, and is subject to change without prior notice. Member must pay their current MyCash PAL in full before getting another MyCash PAL. Member cannot have more than 3 MyCash PALs within a 6 month period.

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