River City Visa Secured Credit Card

If you are experiencing credit challenges such as little or no credit history, the River City Secured credit card can help! Begin to build your credit history with a line of credit that is secured by the amount of money you deposit into your account.

River City Visa Secured Credit Card Benefits:

  • Low Rates – Find out how much you can save over other secured credit card rates.
  • No Annual Fee – Save with fewer fees compared to other credit cards.
  • Embedded EMV chip – River City Visa Secured Credit Cards come enabled with chip technology.
  • Mobile and Online Banking Services – Access your account at any time to monitor your progress.
  • First Time Credit User Friendly - The River City Visa Secured Credit Card is an excellent option for college students!

It is an easy way to help you establish or improve your credit history. You get the same benefits as non-secured credit card holders, but gives you the flexibility to choose your spending limit.

Apply online, by phone, or at any RCFCU branch today! We are here to help you! If you have any questions, please speak with a Membership Service Representative at your nearest RCFCU branch or call our Member Services Center at 210-255-6866.


Visa Credit Cards

EMV gold platinum combinedOur new EMV Visa credit card program feature Extra Awards.

Great rates are just part of the benefits of our Visa Platinum and Gold credit cards. All RCFCU cardholders are now automatically enrolled in Extra Awards, earning points toward domestic air travel, gift cards and more.

To check your Visa credit card balance or to make a payment online, login to rcityonline or rcitymobile banking. Your credit card account now appears on the list with your other River City FCU accounts. Credit cardholders may access Extra Awards for through rcityonline.

Not signed up for online or mobile banking? Enroll in rcityonline, or call our Member Service Center at 210-225-6866 for details.

Apply for a Credit Card Today! Apply online, in branch, or by phone.


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Credit Card Type APR*
Visa Platinum 7.99%
Visa Gold 11.99%
Visa Classic 15.99% to 16.99%


*APR stands for Annual Percentage Rate. Rates shown are based on credit performance. Loan rates are in effect as of May 15, 2018, and subject to change without prior notice.

Credit Card Type APR*
Visa Platinum 7.99%
Visa Gold 11.99%
Visa Classic 15.99% to 16.99%

Credit Card Fees Amount
Late Payment 3% of minimum payment due or $18 whichever is greater
NSF (Non-Sufficient Funds) $25

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