River City Federal Credit Union
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RCFCU is not part of the CO-OP Shared ATM Network
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Checking | Overdraft Privilege | Savings | Regulation D | CDs & IRAs | Credit Cards | Investment Alternatives | Loans | Services | Share Insurance


Lost or Stolen ATM Card

24-hour Assistance:

  • (210) 225-0708
  • (800) 644-4748
  • rivercityfcu.org (Internet banking)

Lost or Stolen VISA® Check Card

24-hour Assistance:

  • (210) 225-0708
  • (800) 644-4748
  • rivercityfcu.org (Internet banking)

Lost or Stolen VISA® Credit Card

For 24-hour account information

  • (800) 442-4757

For emergency assistance, call

  • (800) VISA-911

Vantiv will close the lost or stolen card and send you a new card.

Take advantage of a Visa Check Card with any of these products:


River City REWARD Checking

Now, you can have it all ... FREE checking and a high return on your money! It's all possible with the new River City REWARD Checking Account.

River City REWARD Checking offers no monthly fees, no minimum balance and the opportunity to earn 1.75% Annual Percentage Yield (APY)*, and nationwide ATM fee refunds up to $25 per month when simple criteria are met.**

River City REWARD Checking offers members significant rewards:

River City REWARD Checking requires three simple actions each month for maximum rewards:

  • Make 15 Check Card purchases (posted and cleared).
  • Receive monthly e-Statements instead of paper ones.
  • Set up at least one monthly Direct Deposit.

Take advantage of this sweet deal by coming into any of our convenient branches.

*Annual Percentage Yield (APY) accurate as of 3/1/13.  
Rate tiers are as follows: 1.75% APY applies to balances of $.01 - $20,000 and 0..25% APY applies to
balances over $20,000 as long as qualifications are met each statement cycle. An APY of  0.05% applies to all balances if qualifications are not met. All balances will earn 1.75% APY to 0.25% APY as long as qualifications are met. 
"Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Beginning June 2013, the "Qualification Cycle" will change to the period beginning on the first day of the current statement cycle through the last day of the current statement cycle. This account is intended to function as a primary checking account with diversified usage (grocery, restaurant, gasoline, entertainment, department store) with a debit card amount of at least $5.00 per transaction. VISA Check Card transactions should be for ordinary and customary expenditures, not simply 15 de minimis transactions designed to qualify for rewards requirements.  
Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only. Other restrictions may apply.

**ATM transaction fee refunds exceeding $4.99 per transaction are not automatic and require the presentation of a receipt.

See our dividend rates



It's simple and it's free. It doesn't get much better than that!

Tired of fees and minimum balance requirements? Keep it simple with a Simply Free checking account at River City FCU. Enjoy the benefits of a basic checking account with no monthly fee, no monthly minimum balances requirements, and no hassles.

Simply Free checking comes with simply more features:

See our dividend rates


STANDARD Checking 

At River City FCU, we know your checking account is a standard part of your day-to-day finances. That's why we pack our STANDARD checking account with loads of features to make your life easier.

Raise your standards today and get these not-so-standard benefits:

Need help deciding which checking account is best for you? Contact a Member Service Representative at (210 )225-6866 or (800) 535-3322 today.


Insured Money Market Account

A $2,000 minimum balance is required. If balances falls below $2,000, account earns 1% less.

Minimum withdrawal is $500. Limited to a total of six (6) transfers a month.

There are three (3) tiers designed to earn even greater dividends on your IMMA.

See our dividend rates.


Health Savings Account

A health care plan combining cost savings with flexibility. 

A Health Savings Account (HSA) gives you more flexibility and control your health care costs. That's because it empowers you to make your own health care decisions.

Use pre-tax dollars to pay for future medical expenses.

You will be able to deduct your contributions to your HSA, and the account earnings will accumulate on a tax-deferred basis. Best of all distributions from your HSA are tax-free if they are used for qualified medical expenses. 

Opening your HSA.

To open an HSA, you must select a high-deductable health plan. The major advantage of a high-deductible is lower premiums. Contributions and plan deductible limits change frequently so consult your tax professional regarding your individual circumstances.

Account balance is carried over.

Unlike contributions to a flexible spending account, the balance of your HSA at the end of the year is carried over to the next year. So you're not placed in a position of having to "use it or lose it" each year.

Beginning January 1, 2014, the following are significant changes affecting Health Savings Accounts under the Health Care Reform.

  • The expenses must be primarily to alleviate or prevent a physical or mental defect or illness, including dental and vision. List of expenses available on the IRS Web site.

  • Any funds you withdraw for non-qualified medical expenses will be taxed at your income tax rate plus 20% tax penalty if under the age of 65.

In general:

  • Health Savings Accounts are not limited to the amount of the deductible on high-deductible health plans (HDHPs).  

  • Participants must be eligible on the first day of each month they are in the plan.

  • For 2014, the IRS contribution limits to a HSA plan are $3300 for a single individual and $6,550 for a family.

  • For 2013, the IRS contribution limits to a HSA plan are $3,250 for a single individual and $6,450 for a family. 

  • HSA contributions are tax-free and earnings/interest on these accounts is tax-deferred.

  • HSA holders 55 and older get to save an extra $1,000 which means $4,300 for an individual and $7,550 for a family - these contributions are 100% tax deductable from gross income.

  • The HSA balance rolls over from year to year if not used.

*Any funds you withdraw for non-qualified medical expenses will be taxed at your income tax rate plus 20% tax penalty if you're under 65.

For more detailed information on HSAs and taxes, visit the U.S. Department of Treasury Web site at www.ustreas.gov or talk with your tax advisor.

River City Federal Credit Union Program:

  • No fees associated with HSA transactions.

  • No monthly service charge.

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

  • Checks are offered for HSA checking accounts.  

  • Signature-based debit cards are offered for this type of account.

  • Member is responsible for determining the eligibility of charges, not the credit union.

Call or stop in today. 

We can explain your options, answer any questions you may have and help you open your Health Savings Account. 

See our dividend rates.


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