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Share Certificate Accounts
Share Certificates under $100,000 require a $1000 minimum
Share Certificates $100,000 and above earn a higher dividend.
IRA Share Certificates - annual contribution
After the account is opened, you may not make additions into
the account until the maturity date stated on the account. You
may make withdrawals of principle from your Share Certificate
Account prior to maturity, but the withdrawals are subject to
early withdrawal penalties.
Dividend penalties for early withdrawal based on qualifying period.
Less than 12 months - 90 days dividends
12 to less than 24 months - 180 days dividends
24 to less than 48 months - 365 days dividends
48 months and greater - 730 days dividends
IRA withdrawals before 59½ are subject to certain IRS penalties.
Health Savings Accounts:
Savings Accounts are tax advantaged medical savings accounts that
you own. The funds that you contribute to an HSA are contributed on
a pre-tax basis; that is, they are not subject to federal taxes when
you deposit them.
can open as a share draft (checking)
SEE our rates.
Accumulative Individual Retirement Account
No minimum balance requirements.
You may not make any transfers to another credit union account
of yours or to a third party by means of a preauthorized or automatic
transfer, telephonic order or instruction, or similar order.
IRA withdrawals before age 59½ are subject to certain IRS penalties.
River City Federal Credit Union has teamed up with SWBC Investment
Services, LLC to bring you more investment choices. Learn
more about River City Investment Center.