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 Rates

 

Loan Rates

  • Term - New/Used Autos (Models 2023 & newer) APR* as low as
    0 to 66 months
    67 to 75 months
    76 to 84 months
    Term - Used Autos (Models 2022 and older) APR* as low as
    Up to 66 months
    67 to 75 months
    *APR means Annual Percentage Rate as of May 27, 2025, 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. 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.
    Maximum amount financed is 100%.
  • Term APR* as low as
    0 to 60 months
    61 to 72 months1
    73 to 84 months2
    85 to 180 months3
    *APR means Annual Percentage Rate effective as of December 7, 2023 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%.
    1Minimum balance $25,000.00 with term over 72 months.
    2 Minimum balance $40,000.00 with term over 120 months.
    3Minimum balance $45,000.00 with term of 180 months.
  • Term APR* as low as
    0 to 60 months
    61 to 72 months
    *APR means Annual Percentage Rate effective as of December 7, 2023 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.
  • Term APR*
    12 - 48 Months 18%
    *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.
  • Credit Card Type APR* as low as
    Visa Platinum
    Visa Gold
    Visa Classic to
    *APR stands for Annual Percentage Rate. Rates shown are based on credit performance. Loan rates are in effect as of May 27, 2025, and subject to change without prior notice.
  • Signature Loan APR* as low as
    0 to 24 Months
    25 to 36 Months
    37 to 48 Months
    49 to 60 Months
    *APR stands for Annual Percentage Rate as of May 27,2025 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.
  • Share Secured Loan APR* as low as
    0 to 60 Months
    *APR stands for Annual Percentage Rate as of February 14, 2020, and subject to change without prior notice.
  • Share Certificate Secured Loan APR* as low as
    Term (Maturity) Date of Certificate Share Rate +
    *APR stands for Annual Percentage Rate as of February 14, 2020, and subject to change without prior notice. Rate is determined by adding 3.00% to your Share Certificate Rate. The term of the loan is set to the Maturity Date of the pledged certificate.
  • Term APR* as low as
    0 to 36 months
    *APR stands for Annual Percentage Rate. Loan rates are in effect as of February 14, 2020, and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval.
  • Term APR* as low as
    0 to 12 months
    *APR stands for Annual Percentage Rate as of February 14, 2020, and subject to change without prior notice. Rates shown are the lowest available for each term listed.
  • Term APR* as low as
    0 to 12 months
    *APR stands for Annual Percentage Rate. Loan rates are in effect as of February 14, 2020, 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.
  • Type APR* as low as
    Line of Credit
  • Term Maximum rate APR*
    5 years 6.99%
    7 years 7.49%
    10 years 7.49%
    12 to 20 years 7.99%

    *APR stands for Annual Percentage Rate as of September 1,2024. Offered rates, terms, programs, and underwriting policies are subject to change without notice.

 

Deposit Rates

  • Share Savings Accounts Dividend Rate APY*
    Savings Account
    Special Savings
    Youth Savings up to $500.00 deposited
    Balances of $500.01 or greater    		 up to $500.00 deposited
    Balances of $500.01 or greater
    Holiday Cache Accounts1
    *APY stands for Annual Percentage Yield.
    Dividend rates are in effect as of December 01, 2023, and subject to change without prior notice.
    1Penalty of $10.00 applies for each early withdrawal from Cache Accounts.
  • Share and IRA Certificate Terms for account balance from $500 to $99,999.991 Dividend Rate APY*
    Six months
    1 year
    2 years
    3 years
    4 years
    5 years
    Share and IRA Certificate Terms for account balance $100,000.00 plus1 Dividend Rate APY*
    Six months
    1 year
    2 years
    3 years
    4 years
    5 years
    *APY stands for Annual Percentage Yield.
    Dividend rates are in effect as of June 27, 2025, and subject to change without prior notice.
    Minimum balance is $500.00 for Share and IRA Certificates.
    1Any 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.
  • Terms Dividend Rate APY*
    1 year
    *APY stands for Annual Percentage Yield. Dividend rates are in effect as of May 27, 2025, 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.
  • IRA Share Account Dividend Rate APY*
    IRA Share (including Traditional, Roth, and SEP)
    *APY stands for Annual Percentage Yield.
    Dividend rates are in effect as of December 01, 2023, 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 Market Accounts1 Dividend Rate APY*
    $2,000 to $24,999.99
    $25,000 to $49,999.99
    $50,000 to $999,999.99
    $1,000,000 Plus
    *APY stands for Annual Percentage Yield.
    Dividend rates are in effect as of January 1, 2025, and subject to change without prior notice.
    1Limited to a total of six transfers a month.

Checking Rates

  • Average Monthly Balance Dividend Rate APY*
    $2,500.00 or more 1
    $0.00 to $2,499.992
    *APY stands for Annual Percentage Yield. Dividend rates are in effect as of June 1, 2020, and subject to change without prior notice.
    1This APY is paid when the following qualifications are met monthly: 1) have at least 15 debit card or point of sale transactions of at least $5.00 post to your account per month and 2) receive eStatements.
    2This APY is paid when monthly qualifications above are not met.
  • Average Monthly Balance Dividend Rate APY*
    $1,000.00 or more1
    $0.00 to $999.992
    *APY stands for Annual Percentage Yield. Dividend rates are in effect as of May 1, 2020, and subject to change without prior notice.
    1 This APY is paid when you maintain a monthly average balance of $1,000.00 or more.
    2This APY is paid when your monthly average balance falls below $1,000.00.
  • Account Dividend Rate APY*
    HSA Checking
    *APY stands for Annual Percentage Yield. Dividend rates are in effect as of May 1, 2020, and subject to change without prior notice.

Business Rates

  • Dividend Rate APY*
    *APY stands for Annual Percentage Yield.
    Dividend rates are in effect as of November 16, 2022, and subject to change without prior notice.
    • Average Monthly Balance Dividend Rate APY*
      $5,000 to $9,999.99 0.050% 0.050%
      $10,000 to $24,999.99 0.100% 0.100%
      $25,000 to $74,999.99 0.150% 0.150%
      $75,000 to $149,999.99 0.250% 0.250%
      $150,000 and higher 0.349% 0.350%
      *APY stands for Annual Percentage Yield.
      Dividend rates are in effect as of January 01, 2025, and subject to change without prior notice.
    • Business Money Market Accounts1 Dividend Rate APY*
      $2,000.00 to $24,999.99
      $25,000.00 to $49,999.99
      $50,000.00 to $999,999.99
      $1,000,000.00 Plus
      *APY stands for Annual Percentage Yield.
      Dividend rates are in effect as of January 1, 2025 and subject to change without prior notice.
      1Limited to a total of six transfers a month.
    • Share and IRA Certificate Terms for account balance up to $99,999.991 Dividend Rate APY*
      Six months
      1 year
      2 years
      3 years
      4 years
      5 years
      Share and IRA Certificate Terms for account balance $100,000 plus1 Dividend Rate APY*
      Six months
      1 year
      2 years
      3 years
      4 years
      5 years
      *APY stands for Annual Percentage Yield.
      Dividend rates are in effect as of June 27, 2025, and subject to change without prior notice.
      Minimum balance is $500.00 for Share and IRA Certificates.
      1Any 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.
    • Term - Business New/Used Autos (Models 2018 & newer) APR* as low as
      0 to 66 months
      67 to 75 months
      76 to 84 months
      Term - Business Used Autos (Models 2017 and older) APR* as low as
      Up to 66 months
      67 to 75 months
      Maximum amount financed is 110% LTV.
    • Type APR* as low as
      Visa Business Credit Card