Effective Wednesday, January 31, 2018, River City Federal Credit Union will permanently close its Southeast location at 7131 Fairlawn, San Antonio, TX 78223. We invite you to visit a nearby shared branch location and to continue to utilize our additional service options, including rcityonline banking, and rcitymobile banking/deposit. For more information go to rivercityfcu.org/2018branchchanges.

Auto Loans

Term APR*
0 to 75 months 2.89%
76 to 84 3.59%

Term - Classic Cars APR*
Any age/model year, in excellent Collectors condition, term up to 60 months 8.35%

  • *APR means Annual Percentage Rate as of January 3, 2018 and is subject to change without prior notice. Must get pre-approved prior to buying a vehicle to receive lowest rate offered. 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 100%.

RVs/Boats/Campers

Term APR*
0 to 60 months 5.00%
61 to 72 months 1 5.25%
73 to 120 months 2 7.25%
121 to 180 months 3 8.25%

  • *APR means Annual Percentage Rate. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, vehicle year, vehicle model, and other factors. Rates and terms are subject to change without prior notice; other restrictions apply.
  • 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 Boat, RV, Motor Home, Travel Trailer purchases, or loans refinanced from other institutions.
  • Maximum amount financed is 90%.
  • Loan rates are in effect as of January 1, 2017, and subject to change without prior notice.
  • 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*
Up to 60 months 4.75%

  • *APR means Annual Percentage Rate. The specific rate and term will be dependent upon credit rating, collateral value, amount financed, vehicle year, vehicle model, and other factors. Rates and terms are subject to change without prior notice; other restrictions apply.
  • 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 for Motorcycle/ATV purchases, or loans refinanced from other institutions.
  • Loan rates are in effect as of January 1, 2017, and subject to change without prior notice.

Credit Card Type

Credit Card Type APR*
Visa Gold 11.99%
Visa Platinum 7.99%

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

  • *APR stands for Annual Percentage Rate. Rates shown are based on credit performance. Loan rates are in effect as of December 6, 2017, and subject to change without prior notice

Signature Loan

Signature Loan APR*
5.90%

  • *APR stands for Annual Percentage Rate. Loan rates are in effect as of January 1, 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. Rates apply to new Promotion Signature Loans or loans refinanced from other institutions. Limited time offer ends March 31, 2018.

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.

Personal Loans

Signature Loan APR*
0 to 36 Months 8.00%
37 to 48 Months 8.75%
49 to 60 Months 9.00%

  • *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 or loans refinanced from other institutions. Loan rates are in effect as of July 10, 2017, and subject to change without prior notice.

Home Equity Loans

Term for 1st Lien Home Equity Loan APR*
60 months 3.90%
120 months 4.25%
180 months 4.29%

Term for 2nd Lien Home Equity Loan APR*
60 months 4.50%
120 months 5.00%
180 months 5.50%

  • *APR stands for Annual Percentage Rate. APR based on $50,000 loan amount with $800 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. Home Equity Loan contract rate is 3.50% for 1st Lien and 4.50% for 2nd Lien. Loan rates are in effect as of September 11, 2017, and subject to change without prior notice.

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 January 11, 2017, and subject to change without prior notice.

Share Certificates

Terms for account balance $500 to $99,999.99 Dividend Rate APY*
Six months 0.598% 0.60%
1 year 1.143% 1.15%
2 years 1.242% 1.25%
3 years 1.587% 1.60%
4 years 1.637% 1.65%
5 years 1.882% 1.90%

Terms for account balance $100,000 plus Dividend Rate APY*
Six months 0.648% 0.65%
1 year 1.193% 1.20%
2 years 1.292% 1.30%
3 years 1.637% 1.65%
4 years 1.686% 1.70%
5 years 1.931% 1.95%

  • *APY stands for Annual Percentage Yield.
  • Dividend rates are in effect as of September 14, 2017, and subject to change without prior notice.
  • Minimum balance is $500 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.

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 January 11, 2017, 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.

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.

DIVIDEND Checking

Dividend Checking Account Dividend Rate APY*
DIVIDEND Checking 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 are met. See REWARD Checking for complete qualifications.
  • 2 This APY is paid when monthly qualifications are not met. See REWARD Checking for complete qualifications.

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.