Personal Loans

Signature Loans

Cover anything from small to large expenses even pay off and consolidate debt with a with a Signature Loan that’s tailored to fit your needs.

• Flexible terms and competitive rates
• No collateral necessary
• Unsecured loan
• Fixed rate as low as 7.00% APY* This rate includes two rate discounts when you setup automatic loan payments and establish direct deposits of payroll to your River City FCU checking account

We also offer a Shared Secured Loan which is secured by a member’s Share Account or Share Certificate and guarantees a lower interest rate loan.

• Flexible terms and competitive rates
• No collateral necessary
• Unsecured loan

Additional services:

• Skip-a-pay

Rates:

Signature Loan	APR* as low as
0 to 24 Months
25 to 36 Months
37 to 48 Months
49 to 60 Months

*APR stands for Annual Percentage Rate as of December 7,2023 and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval, your rate may be higher based on credit performance. Rates apply to new Signature Loans or loans refinanced from other institutions. This rate includes two rate discounts: (1) a rate discount of 0.50% when you set up automatic loan payments and (2) a rate discount of 0.50% when you have an established direct deposit of payroll to your River City FCU checking account. Rate discounts: additional restrictions may apply and are subject to change without notice, please contact Lending directly for details.

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MyCash PAL

Now available online. We've made it faster and easier to apply for a MyCash PAL

Don’t fall for predatory lending companies claiming hassle-free fast cash. Between their extremely high rates and unforgivable late fees, you’ll be indebted for a very long time.

Consider instead using our MyCash PAL (Payday Alternative Loan) that can help you out when you’re low on cash or have an immediate need for emergency funds. We offer:

• No credit checks (additional requirements apply)
• Short-term loan with up to 12 months to pay back
• Borrow as little as $250.00 or as much as $1,000.00
• $20 application fee (non-refundable)
• Fast and contactless application (product available online only)
• Immediate funding upon approval
• Available 24/7

Requirements

• Available for Primary Account holders only
• Applicant must have a direct deposit of at least $625 per month, setup in their River City FCU account (loan payments are automatically debited from the selected deposit account)
• Must be a member of River City FCU
• All River City FCU accounts associated with borrower SSN must be in good standing
• Maximum of 1 MyCash PAL at a time (no more than 3 within a 6 month period)

Rates:

Term	APR* as low as
Up to 12 months	28.00%

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*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.

Préstamo Paso a Paso

There are a lot of reasons for wanting to improve or build your credit history. Our Préstamo Paso a Paso is a loan that goes directly towards a savings account you gain access to once the loan has been paid in full.

This is a great tool for you to save and earn interest at the same time with great long-term benefits.

• Flexible monthly payments
• Interest earning savings account
• Credit rebuilder
• Access to online education course to help strengthen your financial knowledge

Rates:

Term	APR* as low as
0 to 12 months

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*APR is Annual Percentage Rate. Rates and terms subject to change. All loan approvals are subject to normal underwriting qualifications. Member is required to take an online financial class.

Line of Credit

A Line of Credit is a type of secured loan that is tied to your Checking Account. The great thing about this revolving loan is you only pay interest on the funds used.

• Competitive interest rates
• If the line is not used, no interest payments required
• Provides automatic overdraft protection on your Checking Account

Rates:

Type	APR* as low as
Line of Credit

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*APR stands for Annual Percentage Rate.
Rates shown are the lowest available for each term listed. All loans subject to approval, your rate may be higher based on credit performance.
Rates apply to new Signature Loans and Lines of Credit, or loans refinanced from other institutions.
Loan rates are in effect as of April 22, 2024, and subject to change without prior notice.

Medical Equipment Loan

Don't put your health on hold. We're here for you and your medical needs. With a Medical Equipment Loan, you can borrow up to $1,000.00 to use to purchase a wheelchair, a walker or other needs you might have.

• Borrow up to $1,000.00
• Terms up to 12 months

Rates:

Term	APR* as low as
0 to 12 months

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*APR stands for Annual Percentage Rate. Loan rates are in effect as of November 26, 2018, and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval, your rate may be higher based on credit performance.

Solar Loan

We have partnered with Big Sun Community Solar to help you finance your way to energy savings with a low-rate Solar Loan with terms up to 15 years.

• Must qualify for membership
• Proof of income required
• Restricted to Big Sun Community service areas

Rates:

Term	APR* As Low As
Up to 15 years	4.50%

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Immigration Loan

Start your journey to become a U.S Citizen with River City FCU. Our Immigration Loan can help you cover for immigration-related costs such as attorney fees, application fees, permanent residency, etc.

• Loan amounts available from $680.00 to $2,500.00 per applicant
• Flexible repayment terms up to 36 months
• No penalty for paying off early

The following requirements must be met:

• Be a member in good standing with River City FCU
• Valid photo ID and Social Security Number (SSN) or Individual Tax Identification Number (ITIN)
• Minimum of 2-years employment history
• Proof of income
• Information of two personal references
• Copies of the completed US Homeland Security form(s)

Rates:

Term	APR* as low as
0 to 60 months

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*APR stands for Annual Percentage Rate. Loan rates are in effect as of June 1, 2019, and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval.
*Costs are covered up to $2,500.00 per person in your household.
For more information about citizenship forms, the fees associated with the process and more, please visit the U.S. Citizenship and Immigration Services website.

ITIN Loans

We believe in building affordable and sensible financial products and services for all, regardless of citizen status. All our products and services are available to members with an Individual Taxpayer Identification Number (ITIN) . Including our Personal Loans, Personal Accounts, and Credit Cards.

The products below are a brief overview of products that have been built to answer specific needs our ITIN members might have:

• ITIN Mortgage: Purchase the home you've worked hard for with our ITIN Mortgage Loan.
• Immigration Loan: The road to citizenship can quickly add up, our immigration loan can help you cover costly expenses.
• MyCashPAL: MyCash PAL (Payday Alternative Loan) can help you out when you're low on cash or have an immediate need for emergency funds.
• Credit Building Products: We have a suite of products to help build your credit whether you're just starting out or need a second chance.