Auto Loans
| Term - New/Used Autos (Models 2019 & newer) | APR* as low as |
|---|---|
| 0 to 66 months | 3.50% |
| 67 to 75 months | 3.75% |
| 76 to 84 months | 4.50% |
| Term - Used Autos (Models 2018 and older) | APR* as low as |
|---|---|
| Up to 66 months | 3.50% |
| 67 to 75 months | 3.75% |
| 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 February 14, 2020, 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 February 14, 2020, 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 February 14, 2020, 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
| 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 February 14, 2020, and subject to change without prior notice
Signature Loan
| Signature Loan | APR* |
|---|---|
| 0 to 24 Months | 7.75% |
| 25 to 36 Months | 8.00% |
| 37 to 48 Months | 8.50% |
| 49 to 60 Months | 9.00% |
- *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. 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
| Share Secured Loan | APR* |
|---|---|
| 0 to 60 Months | 3.00% |
- *APR stands for Annual Percentage Rate as of February 14, 2020, and subject to change without prior notice.
Share Certifiate Secured Loan
| Share Certificate Secured Loan | APR* |
|---|---|
| Term (Maturity) Date of Certificate | Share Rate + 3.00% |
- *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.
Line of Credit
| Line of Credit | APR* |
|---|---|
| Revolving term, payment is $2.75 per $100 balance | 9.90% |
- *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. All loans subject to approval, your rate may be higher based on credit performance. Rates apply to new Lines of Credit or loans refinanced from other institutions.
Immigration Loan
| Term | APR* |
|---|---|
| 0 to 60 months | 12.00% |
- *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.
Prestamo Paso a Paso (Step by Step Loan)
| Term | APR* |
|---|---|
| 0 to 12 months | 8.00% |
- *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.
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 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.
Home Equity Loans
| Term for 1st Lien Home Equity Loan | Rate | APR* |
|---|---|---|
| 60 months | 4.15% | 5.022% |
| 120 months | 4.70% | 5.161% |
| 180 months | 4.35% | 4.668% |
| Term for 2nd Lien Home Equity Loan | Rate | APR* |
|---|---|---|
| 60 months | 6.00% | 6.887% |
| 120 months | 6.00% | 6.472% |
| 180 months | 6.00% | 6.330% |
- *APR stands for Annual Percentage Rate. Loan rates are in effect as of February 14, 2020, 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% |
| Youth Savings | 4.879% up to $500.00 deposited 0.15% Balances of $500.01 or greater |
5.00% up to $500.00 deposited 0.15% Balances of $500.01 or greater |
| Holiday Cache Accounts1 | 0.25% | 0.25% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of February 12, 2020, and subject to change without prior notice.
- 1Penalty of $10 applies for each early withdrawal from Cache Accounts.
Share Certificates
| Share and IRA Certificate Terms for account balance up to $99,999.991 | Dividend Rate | APY* |
|---|---|---|
| Six months | 0.995% | 1.00% |
| 1 year | 1.489% | 1.50% |
| 2 years | 1.607% | 1.62% |
| 3 years | 1.745% | 1.76% |
| 4 years | 1.833% | 1.85% |
| 5 years | 1.902% | 1.92% |
| Share and IRA Certificate Terms for account balance $100,000 plus1 | Dividend Rate | APY* |
|---|---|---|
| Six months | 1.045% | 1.05% |
| 1 year | 1.538% | 1.55% |
| 2 years | 1.656% | 1.67% |
| 3 years | 1.794% | 1.81% |
| 4 years | 1.882% | 1.90% |
| 5 years | 1.951% | 1.97% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of February 12, 2020, and subject to change without prior notice.
- Minimum balance is $500 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.
Freedom Builder Share Certificate
| Terms | Dividend Rate | APY* |
|---|---|---|
| 1 year | 1.390% | 1.40% |
- *APY stands for Annual Percentage Yield. Dividend rates are in effect as of February 12, 2020, 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 (including Traditional, Roth, and SEP) | 0.499% | 0.50% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of December 19, 2019, 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 Accounts1 | Dividend Rate | APY* |
|---|---|---|
| $2,000 to $49,999.99 | 0.449% | 0.45% |
| $50,000 Plus | 0.499% | 0.50% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of February 12, 2020, and subject to change without prior notice.
- 1Limited to a total of six transfers a month.
Superior Checking
| Average Monthly Balance | Dividend Rate | APY* |
|---|---|---|
| $2,500.00 or more 2 | 0.797% | 0.80% |
| $0.00 to $2,499.99 3 | 0.05% | 0.05% |
- *APY stands for Annual Percentage Yield. Dividend rates are in effect as of February 12, 2020, and subject to change without prior notice.
- 2 This 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.
- 3 This APY is paid when monthly qualifications above are not met.
Standard Checking
| Average Monthly Balance | Dividend Rate | APY* |
|---|---|---|
| $1,000.00 or more1 | 0.05% | 0.05% |
| $0.00 to $999.992 | 0.00% | 0.00% |
- *APY stands for Annual Percentage Yield. Dividend rates are in effect as of February 12, 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.
- 2 This APY is paid when your monthly average balance falls below $1,000.00.
HSA Checking
| Health Savings | Dividend Rate | APY* |
|---|---|---|
| HSA Checking | 0.05% | 0.05% |
- *APY stands for Annual Percentage Yield. Dividend rates are in effect as of February 12, 2020, and subject to change without prior notice.
Business Savings
| Business Share Savings Accounts | Dividend Rate | APY* |
|---|---|---|
| 0.15% | 0.15% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of February 12, 2020, and subject to change without prior notice.
Business Money Market
| Business Money Market Accounts1 | Dividend Rate | APY* |
|---|---|---|
| $2,000 to $49,999.99 | 0.449% | 0.45% |
| $50,000 Plus | 0.499% | 0.50% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of February 12, 2020, and subject to change without prior notice.
- 1Limited to a total of six transfers a month.
Business Share Certificate
| Business Share Certificate Terms for account balance up to $99,999.99 | Dividend Rate | APY* |
|---|---|---|
| Six months | 1.242% | 1.25% |
| 1 year | 1.686% | 1.70% |
| 2 years | 1.882% | 1.90% |
| 3 years | 1.980% | 2.00% |
| 4 years | 2.078% | 2.10% |
| 5 years | 2.127% | 2.15% |
| Business Share Certificate Terms for account balance $100,000 plus | Dividend Rate | APY* |
|---|---|---|
| Six months | 1.292% | 1.30% |
| 1 year | 1735% | 1.75% |
| 2 years | 1.931% | 1.95% |
| 3 years | 2.029% | 2.05% |
| 4 years | 2.127% | 2.15% |
| 5 years | 2.176% | 2.20% |
- *APY stands for Annual Percentage Yield.
- Dividend rates are in effect as of February 12, 2020, and subject to change without prior notice.
- Minimum balance is $500 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.
Business Auto Loans
| Term - Business New/Used Autos (Models 2018 & newer) | APR* as low as |
|---|---|
| 0 to 66 months | 4.75% |
| 67 to 75 months | 5.00% |
| 76 to 84 months | 5.75% |
| Term - Business Used Autos (Models 2017 and older) | APR* as low as |
|---|---|
| Up to 66 months | 4.75% |
| 67 to 75 months | 5.00% |
- *APR means Annual Percentage Rate effective as of February 12, 2020, 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.
- Maximum amount financed is 140% LTV.
Business Other Collateral Loan
| Term - Business Other Collateral Loan | APR* |
|---|---|
| 0 to 60 Months | 7.00% |
| 61 to 72 Months | 7.50% |
| 73 to 84 Months | 8.50% |
| 85 to 180 Months | 9.50% |
- *APR stands for Annual Percentage Rate effective as of February 12, 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. Rates apply to new Collateral Loans or loans refinanced from other institutions.
Business Signature Loan
| Term - Business Signature Loan | APR* |
|---|---|
| 0 to 24 Months | 9.75% |
| 25 to 36 Months | 10.00% |
| 37 to 48 Months | 10.50% |
| 49 to 60 Months | 11.00% |
- *APR stands for Annual Percentage Rate effective as of February 12, 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. Rates apply to new Signature Loans or loans refinanced from other institutions.
Business Line of Credit
| Business Line of Credit | APR* |
|---|---|
| Revolving term | 10.90% |
- *APR stands for Annual Percentage Rate as of February 12, 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. Rates apply to new Lines of Credit or loans refinanced from other institutions. Payment is calculated at the end of each billing cycle and is equal to the lesser of $2.75 per $100.00 outstanding balance OR a minimum monthly payment amount of $18.00.
Business Visa Credit Card
| Visa Business Credit Card | APR* |
|---|---|
| 15.99% |
- *APR stands for Annual Percentage Rate effective as of February 12, 2020, and is subject to change without prior notice. Your specific rate will be dependent upon your credit rating and other factors. Not all applicants will qualify for the lowest rate.
