| |
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 |
0.15% |
0.15% |
| 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% |
|
| Health Savings Account -
Checking |
.01% |
.01% |
| Insured Money Market
($2000-$49,999.99)¹ |
.20% |
.20% |
| Insured Money Market
($50,000 -$99,999.99)¹ |
.25% |
.25% |
| Insured Money Market
($100,000 plus)¹ |
.30% |
.30% |
| Holiday
Savers Club² |
.40% |
.40% |
|
| |
|
*APY stands for Annual Percentage Yield. Dividend Rates and
APY are in effect as of May 8, 2013, 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.
|
top of page
| 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. |
.45% |
.45% |
.50% |
.50% |
| 2 yrs. |
.75% |
.75% |
.80% |
.80% |
| 3 yrs. |
1.00% |
1.00% |
1.05% |
1.05% |
| 4 yrs. |
1.19% |
1.20% |
1.24% |
1.25% |
| 5 yrs. |
1.49% |
1.50% |
1.54% |
1.55% |
|
|
|
|
*APY stands for Annual Percentage Yield. Rates and APY
are in effect as of May 8, 2013, and subject to change
weekly without prior notice. Any Share Certificate may be
used to establish an Individual Retirement Account. |
top of page
| Accumulative Individual Retirement Accounts |
| |
|
Early Withdrawal Penalty |
Dividend
Rate |
APY* |
|
IRA withdrawals before age 59 1/2 are
subject to certain IRS penalties. |
.15% |
.15% |
|
| |
|
*APY stands for Annual Percentage Yield. Rates and
APY are in effect as of May 8, 2013, and subject to change
monthly without prior notice. |
top of page
Loan Rates
|
SECURED CONSUMER LOANS
|
MAX
AMOUNT FINANCED
|
24-36
MOS.
As
low as
|
48
MOS.
As low as
|
60
MOS. **
As low as
|
72 MOS.***
As low
as
|
84
MOS. ***
As
low
as
|
|
Automobiles
|
100%
|
2.57%
APR*
|
2.67%
APR*
|
2.77%
APR*
|
2.97%
APR*
|
3.17%
APR*
|
|
Other Secured Collateral
|
(including
Motorcycles, Jet Ski, ATV, Other Collateral, etc.)
|
|
100%
|
4.75%
APR*
|
4.75%
APR*
|
5.00%
APR*
|
5.25%
APR*
|
N/A
|
|
Boats
|
90%
|
4.75%
APR*
|
4.75%
APR*
|
5.00%
APR*
|
5.25%
APR*
|
N/A
|
|
Motor Homes, RVs , Travel Trailers
|
90%
|
4.75%
APR*
|
4.75%
APR*
|
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 07/16/12, 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).
|
| |
|
|
top of page
| Real Estate
Loans
For information on the following types of loans, please call Lending Central at 210-348-9022. |
| |
| |
Amount Financed |
1 - 60
months |
61 -
120 months |
121 -
180 months |
| Home Improvement (to $200,000)
|
95% appraisal less existing
liens |
6.4%
Int. Rate
6.59% APR** |
6.9%
Int. Rate
7.01% APR** |
7.4%
Int. Rate
7.48% APR** |
Unimproved Land
(to $200,000) |
90% appraisal |
6.9%
Int. Rat
7.09% APR** |
7.4%
Int. Rate
7.51% APR** |
7.9%
Int. Rate
7.98% APR** |
|
|
| HOME EQUITY LINE OF
CREDIT
Variable Rate (80% appraisal less
existing liens) Lifetime maximum
APR is 9.75% % to 13.00%. |
|
Annual
Adjustment Cap |
Lifetime Adjustment
Cap |
Draw Period |
Payment as low as
w/$75 min. |
Minimum
Rate |
New York Prime Rate less 0.26%
|
|
1.25% APR |
6.75% APR |
10 years |
1.20% |
as low as 3.00% APR |
| CLOSED-END HOME
EQUITY (2nd lien only)
Fixed Rate Loans (80% appraisal less existing lien)
|
5
years |
7 years |
10 years |
15 years* |
20 years* |
$25,000 to $400,000
*Term not currently offered. |
As low as
4.75%
Int. Rate
4.94% APR** |
As low as 5.25% Int. Rate 5.39%
APR** |
As low as 5.75% Int. Rate
5.85% APR** |
N/A |
N/A |
|
**Annual Percentage Rate based on $50,000.00
loan amount.
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.
top of page
|
| 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. |
|
top of page
| Secured Loans |
| |
|
Type of Loan |
AMOUNT
FINANCED |
MAXIMUM
MATURITY |
ANNUAL
PERCENTAGE
RATE |
| Shares Pledged |
|
60 monthly
payments |
2.5%
above dividend rate |
| Share Certificate Pledged |
|
To maturity
date of pledged certificate |
2.5%
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% |
|
top of page
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 |
|
|
|
|
top of page
| Other Service Fees |
| |
|
OTHER SERVICE FEES |
|
| ACH NSF |
$25.00 |
| ACH Origination
Fee |
$10.00 |
| ACH Origination
Cancellation |
$10.00 |
| Deposited Check NSF |
$10.00 |
| 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 |
$1.00 |
| Travelers Checks |
1% of
purchase |
| Check cashing for non-members (up to
$500) |
$5.00 |
| Check cashing for non-members ($500.01 -
$1000) |
$10.00 |
| Check cashing for non-members ($1000.01 -
$1500) |
$15.00 |
| 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"
(Downtown Branch only) |
$30.00 |
| 5" x 5" x
22" (Bitters Branch only) |
$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.
|
|
|
top of page
|
 |
