River City Federal Credit Union
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Shared Branch
Shared Branch Locator

RCFCU is not part of the CO-OP Shared ATM Network
Click here for our shared ATMS

Credit Unions for Kids
Buy Discount
Theme Park Tickets Online

 


Rates & Fees

Account Rates | Account Service Fees | Disclosures | Loan Rates | Other Service Fees

  


Type of Account


Dividend Rate
Annual Percentage Yield

Regular Savings & Special Savings

0.20% 0.20%
STANDARD &  Y.E.S. Checking 0.01% 0.01%

River City REWARD Checking

$0.00 to $20,000
$20,000.01 and over
 
---------------------------
* This APY applies when monthly qualifications are met.


**This is the base APY when the monthly qualifications 
are not met. 




1.74%
0.25%

0.05%

  
  

1.75% * 
  0.25% * 
   
0.05%** 

Health Savings Account - Checking .01% .01%
Insured Money Market ($2000-$49,999.99)¹ .25% .25%
Insured Money Market ($50,000 plus)¹ .30% .30%
Holiday Savers Club² .45% .45%
  

*APY stands for Annual Percentage Yield. Dividend Rates and APY are in effect as of September 1, 2014, and  subject to change monthly without prior notice. 

¹  Limited to a total of six (6) transfers a month.
² There is a $10 penalty for each early withdrawal.

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Share Certificate Accounts

  


Term

 
Balances
 $1000-$99,999.99
 
Balances 
$100,000 and above

Dividend 
Rate


APY*

Dividend Rate


APY*

6 mos.

.25% .25% .30% .30%
1 yr. .70% .70% .75% .75%
2 yrs. 1.09% 1.10% 1.14% 1.15%
3 yrs. 1.29% 1.30% 1.34% 1.35%
4 yrs. 1.39% 1.40% 1.44% 1.45%
5 yrs. 1.49% 1.50% 1.54% 1.55%

*APY stands for Annual Percentage Yield. Rates and APY are in effect as of September 1, 2014, and  subject to change weekly without prior notice. Any Share Certificate may be used to establish an Individual Retirement Account. 

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Accumulative Individual Retirement Accounts
  

Early Withdrawal Penalty

Dividend Rate APY*

IRA withdrawals before age 59 1/2 are subject to certain IRS penalties.

.20% .20%
  

*APY stands for Annual Percentage Yield. Rates and APY are in effect as of September 1, 2014, and  subject to change monthly without prior notice. 

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Loan Rates


S
ECURED CONSUMER LOANS


MAX

AMOUNT FINANCED


1 - 60

MOS. **

As low as


72
MOS.***
As low 
as


84 
MOS. ***

As low 
as


Automobiles


100%

2.00% APR*

2.97%  APR*

3.17%
APR*

Other Secured Collateral 

(including Motorcycles, Jet Ski, ATV, Other Collateral, etc.)

100%

5.00% APR*

5.25% 

APR*

N/A

 

Boats

90%

5.00% APR*

5.25% APR*

N/A

 

 

Motor Homes, RVs , Travel Trailers

 

 

 

90%

 

 

 

 

5.00% APR*

120 MOS.****

 

As low as

7.25% APR*

180 MOS.****


As low as

8.25% APR*


*
APR = Annual Percentage Rate. 


Rates are effective as of 01/01/14, and are subject to change without notice.

Above rates will be reduced by 0.25% if the loan is repaid by automatic transfer from your RCFCU savings or checking account. (Rates apply to new/used vehicle purchases or new/used vehicle refinances from other institutions.)

** Auto loans with a term > 60 months (Max Term 84 months) require a minimum loan amount of $40,000. 

** Motorcycle and other secured have a maximum term of 60 months. Exception of up to 72 months for motorcycle loans at or above $25,000.

*** Boats and RVs 72-84 month financing require a minimum $25,000 (72 months) / $30,000 (84 months).

**** RVs only 120-180 month (term > 120 months for RV only) financing require a minimum $40,000 (120 months) / $45,000 (180 months).

  

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Real Estate Loans

For information on the following types of loans, please call River City Mortgage Center at (210) 244-2564.

  
 

Amount Financed

1 - 60 months 61 - 120 months 121 - 180 months
Home Improvement (to $200,000)

 

95% appraisal less existing liens 5.45%  
Interest Rate

6.027% APR**

6.00%  
Interest Rate

6.308% APR**

6.45%  
Interest Rate

6.671% APR**

Unimproved Land 
(to $200,000)
60% appraisal less existing liens 6.9% 
Interest Rate

7.09% APR**

7.4% 
Interest Rate

7.51% APR**

7.9% 
Interest Rate

7.98% APR**

   
HOME EQUITY LINE OF CREDIT

Variable Rate (80% appraisal less existing liens) Lifetime maximum APR is 8.07% % to 8.57%.

 

 

 

 

 

 

 

 

 

 

 

Annual Adjustment Cap

 

 

 

 

 

 

Lifetime Adjustment Cap

 

 

 

 

 

 

Draw Period

 

 

 

 

 

Payment as low as w/$75 min.

 

 

 

 

 

 

Minimum Rate

New York Prime Rate less 0.55%

 

1.25% APR 5.00% APR

10 years

1.20%

as low as
2.70% Interest Rate

 2.99% APR***
CLOSED-END HOME EQUITY

1st Lien

Fixed Rate Loans (80% appraisal less existing lien)

5 years

10 years

15 years

20 years


$10,000 to $400,000 


 

 

As low as 3.00% 
Interest Rate

3.56% APR**

As low as 3.50% Interest Rate

3.79% APR**

As low as 4.00% Interest Rate

4.20% APR**

N/A

*Term not currently offered.

CLOSED-END HOME EQUITY

2nd Lien

Fixed Rate Loans (80% appraisal less existing lien)

5 years

10 years

15 years

20 years


$10,000 to $400,000 


 

 

As low as 4.00% 
Interest Rate

4.56% APR**

As low as 4.50% Interest Rate

4.80% APR**

As low as 5.00% Interest Rate

5.21% APR**

N/A

*Term not currently offered.

**Annual Percentage Rate based on $50,000.00 loan amount. 
***HELOC products:  Annual Percentage Rate based on $50,000 loan amount with estimated fees of $700, Risk/Credit Tiers and draw/term of 10 years. Fees are paid by the “applicant”.
 

We also offer home loan programs including: conventional, fixed or adjustable rates, and more. To get started, click on the link below to begin your application online.

Pre-qualify for a Mortgage Loan
or See Today’s Mortgage Rates.

 

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Unsecured Loans
  

Type of Loan

MAXIMUM 
MATURITY
ANNUAL 
PERCENTAGE
 RATE
Signature Loan 60 mos. as low as 
9.90%
Signature Loan with Auto Pay 60 mos. as low as 
9.65%
Line of Credit $2.75 per $100 
(minimum $18)
as low as 
9.90%
Line of Credit with Auto Pay $2.75 per $100
(minimum $18)
as low as 
9.65%
VISA CLASSIC credit card 3% of outstanding balance

12.90%*

VISA GOLD 3% of outstanding balance

10.90%*

VISA Platinum 3% of outstanding balance

7.90%*

*Introductory rate of 2.99% APR applicable until the first day of the billing cycle that
includes the six-month anniversary date of the opening of the account. After the
introductory period, APR will range from 7.90% - 12.90%, depending on credit criteria.

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Secured Loans
 

Type of Loan

AMOUNT
FINANCED
MAXIMUM 
MATURITY
ANNUAL 
PERCENTAGE
 RATE
Shares Pledged   60 monthly payments 3.0% above dividend rate
Share Certificate Pledged   To maturity date of pledged certificate 3.0% above dividend rate
Stock Pledged < $2000 70% of market Single payment up to six months, or 60 monthly payments 11.90%
Stock Pledged > $2,000 70% of market  Single payment up to six months, or 60 monthly payments 9.90%

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Account Service Fees
  
Membership Fee None
 

Checking Account Fees

 
Non-Sufficient Funds (NSF) $25.00
Overdraft Privilege Fee (fee imposed for ATM/Visa Check Card, check, TouchTone Teller, Internet Banking & ACH transactions) $25.00
Stop Payment Fee $25.00
Stop Payment Fee (range of checks) $30.00
Stop Payment Fee of RCFCU Check $10.00
Check Copy Fee $2.00
Monthly Service Charge* 
(if balance drops below $1000 during the month on a STANDARD checking account)
$5.00
Temporary Checks Fee (increments of five) $1.00
Check Printing Fee depends on style selected

 

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Other Service Fees
  

OTHER SERVICE FEES

 
Effective Nov. 1, 2013, a monthly $5 fee will be assessed for member share accounts with No activity in the most recent, concurrent 12 months & No associated loan account.  
Effective Nov. 1, 2013, a $5 fee will be assessed when making a loan payment by phone with a foreign debit or credit card.  
Reg D Fee
A six (6) transaction limit is to prevent a savings account from being used like a checking account. Regulation D allows six (6) withdrawals and/or transfers per month with no charge.
$25.00
ACH NSF $25.00
ACH Origination Fee $10.00
ACH Origination Cancellation $10.00
Deposited Returned Check Fee 
$15.00
Statement Copy Fee $2.00
Returned Statement Fee $5.00
Account Research & Reconciliation Fee (per hour) $25.00
Tax Levy Processing Fee $25.00
Garnishment Processing Fee $25.00
Check-by-Phone Fee $5.00
Transfer Fee $1.00
Reopening Savings Account (within six months of closing) $5.00
Account closed (within 90 days of opening) $5.00
Replacement of ATM card $5.00
Nonproprietary ATM transactions $1.00
Account  overdrawn by ATM transaction(s) $25.00
Cashier's Checks  $3.00
Domestic Wire Transfer Fee $15.00
International Wire Transfer Fee $25.00
International Transfer Fee
(Applies to ATM / Debit Card transactions, 1% of U.S. dollar amount of transaction whether originally made in U.S. dollars or converted from a foreign currency)
1%
Photo Copies $.25
FAX Service (long distance + per page fee) $5.00
Money Orders 
$2.00
Travelers Checks 1% of purchase
RCFCU check $1.00
Holiday Savers Club (early withdrawal fee $10.00
Skip-a-Payment (per loan, when applicable) $20.00

FEES FOR CASHING NON-MEMBER CHECKS

Up to $500.00 $5.00
$  500.01 - $1000.00 $10.00
$1000.01 - $1500.00 $15.00

ANNUAL SAFE DEPOSIT BOX FEES

3" x 5" x 22" $20.00
3" x 10" x 22" $30.00
5" x 10" x 22" $50.00
10" x 10" x 22"  $100.00
Key Deposit (refunded when both keys are returned upon closure) $10.00
Drill Fee $120.00
Lost key $10.00
Safe Deposit Late Fee (Over 30 days) $15.00

CREDIT CARD FEES

 
Late fee 5% of minimum payment due, minimum of $15.00
NSF $25.00
Vantiv's eZ Pay ACH payment draft system:  
Using the operator-assisted payment by phone method  
Using the automated telephone payment option


$5.00
$4.00

Foreign Transaction Fee 1% fee for transactions conducted outside the United States
*Does not apply to the River City REWARD, Simply Free or Y.E.S. accounts.  

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