A Share Certificate offers you the opportunity to earn interest and save money. Certificates have a higher yielding interest return rate than a savings account and avoid the risks of market-based investments with a secure certificate. Check out our Share Certificate rates

  • Open with a $1,000 minimum deposit
  • Share Certificates $100,000 and above earn an even higher dividend.
  • Flexibility in maturity terms.

Certificates are designed to help build wealth for the future.  Please note the following:

  •  After the account is opened, you may not make additions into the account until after the maturity date stated on the account.
  •  Early withdrawals are subject to dividend penalties based on the qualifying period, effective December 1, 2012.
    • 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

For more River City investment options, you can consult our financial adviser, Jessica McCord, by calling (210) 232-3091 or email her at jmccord@infinexgroup.com.


Becoming a River City member just got easier! Apply in branch or by phone.

In Branch

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Terms for account balance $1,000 to $99,999.99 Dividend Rate APY*
Six months 0.598% 0.60%
1 year 0.995% 1.00%
2 years 1.143% 1.15%
3 years 1.587% 1.60%
4 years 1.637% 1.65%
5 years 1.735% 1.75%

Terms for account balance $100,000 plus Dividend Rate APY*
Six months 0.050% 0.05%
1 year 0.100% 0.10%
2 years 1.193% 1.20%
3 years 1.637% 1.65%
4 years 1.686% 1.70%
5 years 1.784% 1.80%


 

*APY stands for Annual Percentage Yield.

Dividend rates are in effect as of July 12, 2017, and subject to change without prior notice.

Minimum balance is $1,000 for Share Certificate and IRA.

Any Share Certificate term and balance tier may be used to establish an Individual Retirement Account Certificate.

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

Savings Calculator