Medical Equipment Loan
At River City FCU, we understand that medical care and equipment can get pricey. Our Medical Equipment Loan helps you get the care you need when you need it.
Medical Equipment Loan
Don't put your health on hold. We're here for you and your medical needs. With a Medical Equipment Loan, you can borrow up to $1,000.00 to use to purchase a wheelchair, a walker or other needs you might have.
- Borrow up to $1,000.00
- Terms up to 12 months
Rates:
| Term | APR* as low as |
|---|---|
| 0 to 12 months |
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*APR stands for Annual Percentage Rate. Loan rates are in effect as of November 26, 2018, 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.
Solar Loan
Help protect our environment and reduce the cost of your utilities by going solar.
Solar Loan
We have partnered with Big Sun Community Solar to help you finance your way to energy savings with a low-rate Solar Loan with terms up to 15 years.
- Must qualify for membership
- Proof of income required
- Restricted to Big Sun Community service areas
Rates:
| Term | APR* As Low As |
|---|---|
| Up to 15 years | 4.50% |
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Immigration Loan
Ease the financial burden of the naturalization process and get one step closer to becoming a U.S. Citizen with a loan that will help you get there.
Immigration Loan
Start your journey to become a U.S Citizen with River City FCU. Our Immigration Loan can help you cover for immigration-related costs such as attorney fees, application fees, permanent residency, etc.
- Loan amounts available from $680.00 to $2,500.00 per applicant
- Flexible repayment terms up to 36 months
- No penalty for paying off early
The following requirements must be met:
- Be a member in good standing with River City FCU
- Valid photo ID and Social Security Number (SSN) or Individual Tax Identification Number (ITIN)
- Minimum of 2-years employment history
- Proof of income
- Information of two personal references
- Copies of the completed US Homeland Security form(s)
Rates:
| Term | APR* as low as |
|---|---|
| 0 to 60 months |
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*APR stands for Annual Percentage Rate. Loan rates are in effect as of June 1, 2019, and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval.
*Costs are covered up to $2,500.00 per person in your household.
For more information about citizenship forms, the fees associated with the process and more, please visit the U.S. Citizenship and Immigration Services website.
ITIN Loans
Starting somewhere new can be challenging but River City FCU is here for you.
ITIN Loans
We believe in building affordable and sensible financial products and services for all, regardless of citizen status. All our products and services are available to members with an Individual Taxpayer Identification Number (ITIN) . Including our Personal Loans, Personal Accounts, and Credit Cards.
The products below are a brief overview of products that have been built to answer specific needs our ITIN members might have:
- ITIN Mortgage: Purchase the home you've worked hard for with our ITIN Mortgage Loan.
- Immigration Loan: The road to citizenship can quickly add up, our immigration loan can help you cover costly expenses.
- MyCashPAL: MyCash PAL (Payday Alternative Loan) can help you out when you're low on cash or have an immediate need for emergency funds.
- Credit Building Products: We have a suite of products to help build your credit whether you're just starting out or need a second chance.
Auto Loans
Get a new car or cover costly expenses with our auto loan rates that will help you speed through payments.
Auto Loans
At River City FCU, we’re here to help you ride in style with low, competitive rates and flexible terms available with a click of a button.
If you're in need of new wheels but worried about price or meeting the necessary requirements, don't worry, we have your back. There's the perfect car at the perfect price for everyone and we'll help you drive off in yours.
Ask about:
-
Dependable Drive:
Upgrade your old car to a used vehicle with $0 down payment. -
First Time Buyer:
If it's your first time buying a car, get a used vehicle with terms that work for you.
We also offer:
- Protection Packages such as Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage
- Get the value of your vehicle from the NADA Guide (from the National Automobile Dealers Association)
- Research your new vehicle and know before you buy with AutoSMART, our online auto research tool
Rates:
| Term - New/Used Autos (Models 2021 & newer) | APR* as low as |
|---|---|
| 0 to 66 months | |
| 67 to 75 months | |
| 76 to 84 months | |
| Term - Used Autos (Models 2020-2018) | APR* as low as |
| Up to 66 months | |
| 67 to 75 months | |
| Term - Used Autos (Models 2017-2016) | APR* as low as |
| Up to 54 months | 6.50% |
| 55 to 60 months | 6.50% |
*APR means Annual Percentage Rate as of December 7, 2023, 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. This rate includes two rate discounts: (1) a rate discount of 0.50% when you set up automatic loan payments and (2) a rate discount of 0.50% when you have an established direct deposit of payroll to your River City FCU checking account. Rate discounts: additional restrictions may apply and are subject to change without notice, please contact Lending directly for details **First Time Auto Loan does not qualify for rate discounts
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RVs / Boats / Campers
Fuel your next adventure with one of our loans built specifically for you and the RV, boat or camper of your dreams.
RVs / Boats / Campers
Explore the great outdoors with our competitive loan rates and convenient monthly financial plans to help you hit the road.
- Protection Packages such as Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage
- Get the value of your vehicle from the NADA Guide (from the National Automobile Dealers Association)
Rates:
| Term | APR* as low as |
|---|---|
| 0 to 60 months | |
| 61 to 72 months1 | |
| 73 to 84 months2 | |
| 85 to 180 months3 |
Maximum amount financed is 90%
1Minimum balance $25,000.00 with term over 72 months
2Minimum balance $40,000.00 with term over 120 months
3Minimum balance $45,000.00 with term of 180 months
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Motorcycle / ATVs
From two wheel to four wheel drive, we have great rates for that motorcycle or ATV you’ve always wanted.
Motorcycle / ATVs
Get the motorcycle you want with the loan you need. At River City FCU, we offer competitive rates with convenient monthly plans to help you get on your way.
- Protection Packages such as Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage
- Get the value of your vehicle from the NADA Guide (from the National Automobile Dealers Association)
Rates:
| Term | APR* As Low As |
|---|---|
| 0 to 60 months | |
| 61 to 72 months |
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Title Loan
Get the money you need same day
Title Loans
A title loan with River City FCU, can help you in your time of need with a low, competitive fixed rate and manageable repayment. It is a safe alternative to predatory title lenders.
A title loan is a secured loan that uses your vehicle as collateral.
It is a good option to look at when you're in need of extra funds and
own a vehicle.
About our Title Loan:
- Fixed rate of 18% APR*
- Terms from 12 to 48 months available
- Minimum loan amount of $500
- Maximum loan amount of $10,000
- No hidden fees
Requirements**
- Maximum vehicle age is 15 years
- Car insurance may be required*
- Traditional vehicles only (no motorcyles, ATVs, etc.)
- Applicant must be listed as owner in the car title
- Registration must be current and cannot expire in the next 60 days
- Visual inspection of collateral may be required
Rates:
| Term | APR* |
|---|---|
| 12 - 48 Months | 18% |
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*APR means Annual Percentage Rate as of December 1, 2023, and is subject to change without prior notice. Auto Insurance requirement varies per loan amount. ** Additional requirements might apply.
Mortgage Loan
Find your dream home and start the process of purchasing or refinancing it with one of our loans built for you and your family.
Mortgage Loan
Welcome to your new home with our convenient loan and mortgage process. With our members in mind, we partnered with Member Home Loan to offer a variety of loan and refinancing products that include:
- Conventional, VA and Jumbo
- USDA (United States Department of Agriculture)
- Low Down Payment
- First Time Home Buyer
- Fixed and Adjustable terms to 30 years
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NMLS Information
Home Equity Loans
Leave the DIY to the experts and use a Home Equity Loan to do all the renovations that will build the home of your dreams.
Home Equity Loans
Use the equity from your home to get a loan you can use towards home improvements or other large expenses like debt consolidation and education.
- Financing from 5 to 20 years
- Competitive Home Equity Loan rates
- Eligible properties are single family residence, townhomes, second homes
- Interest may be tax deductible (consult with your tax adviser for more information)
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NMLS Information
ITIN Mortgage
Settle in the house of your dreams with our mortgage built for Individual Tax Identification Number (ITIN) holders.
ITIN Mortgage
River City FCU believes everyone should have an opportunity to own their own home. That is why we’re excited to offer a mortgage to our members with an Individual Taxpayer Identification Number (ITIN).
This program allows members who have lived in Bexar County for a minimum of three years, to enjoy the homeownership dream.
We schedule appointments face-to-face with applicants to take their application and walk them through the financing process, so they won’t have any surprises.
- Loan limits from 40,000 to 250,000
- 30-year term, first 10 years have a fixed rate
The ITIN Mortgage Requirements:
- First Mortgage purchase only
- Minimum of 10% down payment required
- Must have a River City FCU membership
- Must have a valid ITIN for at least 2 years
- Property must be owner occupied
- Seller concessions cannot exceed 6%
- Additional proof of credit history may be required
To schedule an appointment for your application, please email Community@Rivercityfcu.org.
E-Home Improvement
Our E-Home Improvement loan is designed to upgrade your home’s energy performance and provide long-term savings at an affordable rate and manageable monthly payments.
E-Home Improvements
We have partnered with local contractors to offer our members a wide variety of energy efficient solutions that range from small scale projects like mold remediation, insulation, window replacement, to larger projects such as central air conditioning and solar panels.
- We offer over 40 home energy upgrades including solar panels and roof repairs
- No down payment required
- Easy online application with competitive rates and fixed monthly payments
- Make your home energy efficient and take advantage of tax credits
- Borrow as little as $500 and up to $50,000 with terms up to 240 months
Eligible home improvements
*APR stands for Annual Percentage Rate as of September 1,2024. Offered rates, terms, programs, and underwriting policies are subject to change without notice.
Choose any contractor you’d like to work with. Below are some options for you::
AC/DC Electric Service: provides electric services, solar energy systems, safety and protection, low voltage systems.
Alternative Energy Source Co: provides HVAC, solar, generator and electrical services.
IKE’s Air Conditioning: provides air conditioning, heating, indoor air quality and duct services.
Independent Green Technologies of TX: provides residential solar energy systems.
Quantum Solar Power: provides residential, commercial and industrial solar energy.
RISE power: provides solar power, energy storage and generator services.
Tax Credits for Energy Efficient Home Improvements & Clean Energy
ENERGY EFFICIENT HOME IMPROVEMENT CREDIT: If you make qualified energy-efficient improvements to your home after Jan. 1, 2023, you may qualify for a tax credit up to $3,200. You can claim the credit for improvements made through 2032.
RESIDENTIAL CLEAN ENERGY CREDIT: If you invest in renewable energy for your home such as solar, wind, geothermal, fuel cells or battery storage technology, you may qualify for an annual residential clean energy tax credit.