Personal Loans
Signature Loans
Make your next big move with our Signature Loans that guarantee you a simple interest rate you can afford.
Signature Loans
Cover anything from small to large expenses even pay off and consolidate debt with a with a Signature Loan that’s tailored to fit your needs.
- Flexible terms and competitive rates
- No collateral necessary
- Unsecured loan
We also offer a Shared Secured Loan which is secured by a member’s Share Account and guarantees a lower interest rate loan.
- Flexible terms and competitive rates
- No collateral necessary
- Unsecured loan
Additional services:
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MyCash Loan
Being short on cash is stressful enough. Choose a better option than a payday loan with our MyCash loan
MyCash Loan
Available online only. We've made it faster and easier to apply for a MyCash loan
Don’t fall for predatory lending companies claiming hassle-free fast cash. Between their extremely high rates and unforgivable late fees, you’ll be indebted for a very long time. NEVER A LATE FEE WITH A MYCASH LOAN!
Consider instead using our MyCash loan (Payday Alternative Loan) that can help you out when you’re low on cash or have an immediate need for emergency funds. We offer:
- No credit checks (additional requirements apply)
- Never a late fee!
- Short-term loan with up to 12 months to pay back
- Borrow anything from $400 to $1,000
- $20 application fee (non-refundable)
- Reports to credit bureaus to boost your credit score
- Fast and contactless application (product available online only)
- Immediate funding upon approval
- Available 24/7
- Available for Primary Account holders only
- Applicant must have a direct deposit of at least $1,000 per month, setup in their River City FCU account (loan payments are automatically debited from the selected deposit account)
- Must be a member of River City FCU
- All River City FCU accounts associated with borrower SSN must be in good standing
- Maximum of 1 MyCash loan at a time (no more than 3 within a 6 month period)
Requirements
*APR means Annual Percentage Rate as of June 8, 2018, and is subject to change without prior notice. Member must pay their current MyCash loan in full before getting another MyCash loan. Member cannot have more than 3 MyCash loans within a 6 month period.
Line of Credit
A Line of Credit is a great tool for you to access funds only when needed and to pay interest on what you use only.
Line of Credit
A Line of Credit is a type of secured loan that is tied to your Checking Account. The great thing about this revolving loan is you only pay interest on the funds used.
- Competitive interest rates
- If the line is not used, no interest payments required
- Provides automatic overdraft protection on your Checking Account
*APR stands for Annual Percentage Rate.
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 and Lines of Credit, or loans refinanced from other institutions.
Loan rates are in effect as of April 22, 2024, and subject to change without prior notice.