All River City FCU locations including the Member Contact Center will close at 12pm on Tuesday, December 24th and will remain closed on Wednesday, December 25th in observance of Christmas Day.  rcitymobile, rcityonline and TouchTone Teller are available for you 24/7.  Happy Holidays!

Business Loan Products

Truly a Loan for Each of your Business Needs

Your Credit Union is here for all of your business loan needs. Whether you are in need of an auto loan, small business loan, or a business credit card, come see us. Read on below to learn more about the available business loans, how they can benefit you and help your business get where it needs to go!

Auto Loans for your business need... no matter how big or small! River City FCU is happy to offer your business an auto loan to get your business on the road!

  • Buy one or five vehicles to satisfy your business's demand
  • Competitive rates with flexible terms make managing your loan payment easy
  • Protect yourself, your business and your loan with GAP Plus Protection and Credit Life and Credit Disability
  • Don't forget about our partners at Enterprise Car Sales! They have a great selection of fleet vehicles, perfect for getting your business where it needs to go!

If you're in the market for a trailer, tractor, or anything with a title (that's not a vehicle) don't worry, we've got that covered too. Give our Collateral Loan a go.


New & Used Auto Loan Rates

Term - Business New/Used Autos (Models 2018 & newer) APR* as low as
0 to 66 months 4.75%
67 to 75 months 5.00%
76 to 84 months 5.75%

Used Auto Loan Rates

Term - Business Used Autos (Models 2017 and older) APR* as low as
Up to 66 months 4.75%
67 to 75 months 5.00%

  • *APR means Annual Percentage Rate effective as of August 1, 2019, and is subject to change without prior notice. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, vehicle year, vehicle model and other factors. Not all applicants will qualify for the lowest rate. Offer valid on new auto loans financed at River City FCU.
  • Maximum amount financed is 140% LTV.

Other Collateral Loan Rates

Term - Business Other Collateral Loan APR*
0 to 60 Months 7.00%
61 to 72 Months 7.50%
73 to 84 Months 8.50%
85 to 180 Months 9.50%

  • *APR stands for Annual Percentage Rate effective as of August 1, 2019, and subject to change without prior notice. Rates shown are the lowest available for each term listed.  All loans subject to approval, your rate may be higher based on credit performance. Rates apply to new Collateral Loans or loans refinanced from other institutions.

Does your restaurant need that extra oven? Need to furnish your office space with furniture, printers, phones and computers? Need to make some unexpected, costly repairs? The Business Signature loan is the perfect fit to your business needs.

  • Use the funds for any of your business needs
  • Loans up to $50,000
  • Competitive rates and manageable terms mean a monthly payment your business can afford

Stop by any branch today to discuss how a Business Signature Loan can cover your business's needs!

 


Signature Loan Rates

Term - Business Signature Loan APR*
0 to 24 Months 9.75%
25 to 36 Months 10.00%
37 to 48 Months 10.50%
49 to 60 Months 11.00%

  • *APR stands for Annual Percentage Rate effective as of August 1, 2019, and subject to change without prior notice. Rates shown are the lowest available for each term listed.  All loans subject to approval, your rate may be higher based on credit performance. Rates apply to new Signature Loans or loans refinanced from other institutions.

Picture of Business Credit Card

Give your business the purchasing power and security it deserves with a River City FCU Visa Business Credit Card.

  • No Annual Fee
  • $0 Balance Transfer Fee
  • $0 Cash Advance Fee
  • No per Transaction Fee for Purchases
  • Competitive Rates
  • Earn Extra Awards 1 point for every $1 you spend on qualified purchases!*

Earn rewards while purchasing all the things your business needs to keep on growing! Take advantage of our Visa Business Credit Card today!

*Qualified purchases do not include cash advances, ATM transactions, convenience checks, or balance transfers.


Visa Credit Card Rates

Visa Business Credit Card APR*
15.99%

  • *APR stands for Annual Percentage Rate effective as of August 1, 2019, and is subject to change without prior notice. Your specific rate will be dependent upon your credit rating and other factors. Not all applicants will qualify for the lowest rate.

Visit us today and let's chat about how a River City FCU Business Line of Credit can help you out when you're in a pinch. Fund your cash flow with up to $50,000 and have a strong line of credit in your pocket any time you need it!

 


Line of Credit Rates

Business Line of Credit APR*
Revolving term 10.90%

  • *APR stands for Annual Percentage Rate as of August 1, 2019, and subject to change without prior notice. Rates shown are the lowest available for each term listed.  All loans subject to approval, your rate may be higher based on credit performance. Rates apply to new Lines of Credit or loans refinanced from other institutions. Payment is calculated at the end of each billing cycle and is equal to the lesser of $2.75 per $100.00 outstanding balance OR a minimum monthly payment amount of $18.00.


How Do I Qualify?  How Do I Qualify?

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

In Branch

Locations
Become a Member Apply for Loan