CDs & IRAs

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Share Certificate Accounts

Share Certificates under $100,000 require a $1000 minimum deposit.
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.

SEE our rates.

Health 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.  

• Members can open as a share draft (checking) account.

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.

SEE our rates.

Investment Alternatives

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.