If you or someone you know has been affected by the government shutdown please contact us at 210-225-6866 for more information on how River City FCU can help.

Auto Loans

Term - New/Used Autos (Models 2017 & newer) APR* as low as
0 to 66 months 3.75%
67 to 75 months 4.00%
76 to 84 months 4.75%

Term - Used Autos (Models 2016 and older) APR* as low as
Up to 66 months 3.75%
67 to 75 months 4.00%

Term - Classic Cars APR* as low as
Any age/model year, in excellent Collectors condition, term up to 60 months 7.00%

  • *APR means Annual Percentage Rate as of January 15, 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 RCFCU.
  • Maximum amount financed is 120%.

RVs/Boats/Campers

Term APR* as low as
0 to 60 months 6.00%
61 to 72 months 1 6.50%
73 to 84 months 2 7.50%
85 to 180 months 3 8.50%

  • *APR means Annual Percentage Rate effective as of March 26, 2018, and subject to change without prior notice. The 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. Rates apply to Boat, RV, Motor Home, Travel Trailer purchases. Offer valid on new loans financed at RCFCU.
  • Maximum amount financed is 90%.
  • 1 Minimum balance $25,000 with term over 72 months.
  • 2 Minimum balance $40,000 with term over 120 months.
  • 3 Minimum balance $45,000 with term of 180 months.

Motorcycle/ATV Loans

Term APR* as low as
0 to 60 months 6.00%
61 to 72 months 6.50%

  • *APR means Annual Percentage Rate effective as of March 26, 2018, and subject to change without prior notice. The 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. Rates apply to Boat, RV, Motor Home, Travel Trailer purchases. Offer valid on new loans financed at RCFCU.

Credit Card Type

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

Signature Loan

Signature Loan APR*
0 to 24 Months 8.75%
25 to 36 Months 9.00%
37 to 48 Months 9.50%
49 to 60 Months 10.00%

  • *APR stands for Annual Percentage Rate as of January 15, 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.

Line of Credit

Line of Credit APR*
Revolving term, payment is $2.75 per $100 balance 9.90%

  • *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 January 1, 2017, and subject to change without prior notice.

 

Medical Equipment Loan

Term APR* as low as
0 to 12 months 17.95%

  • *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.

Home Equity Loans

Term for 1st Lien Home Equity Loan Rate APR*
60 months 4.42% 5.294%
120 months 4.87% 5.332%
180 months 4.97% 5.294%

Term for 2nd Lien Home Equity Loan Rate APR*
60 months 6.00% 6.887%
120 months 6.00% 6.887%
180 months 6.00% 6.887%

  • *APR stands for Annual Percentage Rate. Loan rates are in effect as of January 15, 2019, and subject to change without prior notice. APR based on $50,000 loan amount with $1,050 estimated closing costs. Loan amount is based on 80% of appraisal value less existing lien. Minimum loan amount is $10,000.  Maximum loan amount is $400,000. Rates apply to new Home Equity Loans or Home Equity Loans refinanced from other institutions. Rates shown are the lowest available for each term listed. All loans are subject to approval; your rate may be higher based on credit performance.

Regular Savings

Share Savings Accounts Dividend Rate APY*
Savings Account 0.15% 0.15%
Special Savings 0.15% 0.15%
Holiday Cache Accounts1 0.40% 0.40%
Vacation Cache Accounts1 0.40% 0.40%
Back-To-School Cache Accounts 1 0.40% 0.40%

  • *APY stands for Annual Percentage Yield.
  • Dividend rates are in effect as of September 24, 2018, and subject to change without prior notice.

Share Certificates

Winter Special Share Certificate Term Dividend Rate APY*1
25 months 2.713% 2.75%

Share and IRA Certificate Terms for account balance up to $99,999.99 Dividend Rate APY*
Six months 1.242% 1.25%
1 year 1.735% 1.75%
2 years 2.225% 2.25%
3 years 2.713% 2.75%
4 years 2.956% 3.00%
5 years 3.198% 3.25%

Share and IRA Certificate Terms for account balance $100,000 plus Dividend Rate APY*
Six months 1.292% 1.30%
1 year 1.784% 1.80%
2 years 2.274% 2.30%
3 years 2.762% 2.80%
4 years 3.005% 3.05%
5 years 3.247% 3.30%

  • *APY stands for Annual Percentage Yield.
  • Dividend rates are in effect as of December 4, 2018, and subject to change without prior notice.
  • Minimum balance is $500 for Share and IRA Certificates.
  • 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.
  • 1Initial $5,000 deposit must be new money to River City FCU. Promotion available for a limited time only.

Freedom Builder Share Certificate

Terms Dividend Rate APY*
1 year 1.637% 1.65%

  • *APY stands for Annual Percentage Yield. Dividend rates are in effect as of November 8, 2018, and subject to change without prior notice.
  • Minimum balance is $100 for Freedom Builder Share Certificates. Additional deposits are allowed on a Freedom Builder Share Certificate; deposits are unlimited in number, can be made at any time and for any amount.

IRAs

IRA Share Account Dividend Rate APY*
IRA Share 0.50% 0.50%

  • *APY stands for Annual Percentage Yield.
  • Dividend rates are in effect as of November 8, 2018, 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.

Money Markets

Money Market Accounts Dividend Rate APY*
$2,000 to $49,999.99 1 0.20% 0.20%
$50,000 Plus 1 0.25% 0.25%

  • *APY stands for Annual Percentage Yield.
  • Dividend rates are in effect as of November 8, 2018, and subject to change without prior notice.
  • 1Minimum withdrawal is $500. Limited to a total of six transfers a month.

REWARD Checking

REWARD Checking Dividend Rate APY*
Balance $0.00 to $20,000 1 1.49% 1.50%
Balance $20,000.01 plus 1 0.25% 0.25%
Base REWARD Checking APY* 2 0.05% 0.05%

  • *APY stands for Annual Percentage Yield.
  • Dividend rates are in effect as of January 11, 2017, and subject to change without prior notice.
  • 1 This APY is paid when monthly qualifications above are met.
  • 2 This APY is paid when monthly qualifications above are not met.

HSA Checking

Health Savings Dividend Rate APY*
HSA Checking 0.01% 0.01%

  • *APY stands for Annual Percentage Yield. Dividend rates are in effect as of January 11, 2017, and subject to change without prior notice.


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