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
- Fixed rate as low as 6.99% APY*
We also offer a Shared Secured Loan which is secured by a member’s Share Account or Share Certificate and guarantees a lower interest rate loan.
- Flexible terms and competitive rates
- No collateral necessary
- Unsecured loan
Additional services:
Rates:
| 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 June 7,2024 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.
Apply Now Calculator
MyCash PAL
Being short on cash is stressful enough. Choose a better option than a payday loan with our MyCash PAL.
MyCash PAL
Available online only. We've made it faster and easier to apply for a MyCash PAL
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.
Consider instead using our MyCash PAL (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)
- Short-term loan with up to 12 months to pay back
- Borrow anything from $400 to $1,500
- $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 PAL at a time (no more than 3 within a 6 month period)
Requirements
Rates:
| Term | APR* as low as |
|---|---|
| Up to 12 months | 28.00% |
*APR means Annual Percentage Rate as of June 8, 2018, and is subject to change without prior notice. Member must pay their current MyCash PAL in full before getting another MyCash PAL. Member cannot have more than 3 MyCash PALs within a 6 month period.
Préstamo Paso a Paso
Take a step towards saving and building up your credit with a loan that does just that!
Préstamo Paso a Paso
There are a lot of reasons for wanting to improve or build your credit history. Our Préstamo Paso a Paso is a loan that goes directly towards a savings account you gain access to once the loan has been paid in full.
This is a great tool for you to save and earn interest at the same time with great long-term benefits.
- Flexible monthly payments
- Interest earning savings account
- Credit rebuilder
- Access to online education course to help strengthen your financial knowledge
Rates:
| Term | APR* as low as |
|---|---|
| 0 to 12 months |
Apply Now Calculator
*APR is Annual Percentage Rate. Rates and terms subject to change. All loan approvals are subject to normal underwriting qualifications. Member is required to take an online financial class.
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
Rates:
| Type | APR* as low as |
|---|---|
| Line of Credit |
Apply Now Calculator
*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.
Medical Equipment Loan
At River City FCU, we understand that medical care and equipment can get pricey. Our Medical Equipment Loan helps you get the care you need when you need it.
Medical Equipment Loan
Don't put your health on hold. We're here for you and your medical needs. With a Medical Equipment Loan, you can borrow up to $1,000.00 to use to purchase a wheelchair, a walker or other needs you might have.
- Borrow up to $1,000.00
- Terms up to 12 months
Rates:
| Term | APR* as low as |
|---|---|
| 0 to 12 months |
Apply Now Calculator
*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.
Immigration Loan
Ease the financial burden of the naturalization process and get one step closer to becoming a U.S. Citizen with a loan that will help you get there.
Immigration Loan
Start your journey to become a U.S Citizen with River City FCU. Our Immigration Loan can help you cover for immigration-related costs such as attorney fees, application fees, permanent residency, etc.
- Loan amounts available from $680.00 to $2,500.00 per applicant
- Flexible repayment terms up to 36 months
- No penalty for paying off early
The following requirements must be met:
- Be a member in good standing with River City FCU
- Valid photo ID and Social Security Number (SSN) or Individual Tax Identification Number (ITIN)
- Minimum of 2-years employment history
- Proof of income
- Information of two personal references
- Copies of the completed US Homeland Security form(s)
Rates:
| Term | APR* as low as |
|---|---|
| 0 to 60 months |
Apply Now Calculator
*APR stands for Annual Percentage Rate. Loan rates are in effect as of June 1, 2019, and subject to change without prior notice. Rates shown are the lowest available for each term listed. All loans subject to approval.
*Costs are covered up to $2,500.00 per person in your household.
For more information about citizenship forms, the fees associated with the process and more, please visit the U.S. Citizenship and Immigration Services website.
ITIN Loans
Starting somewhere new can be challenging but River City FCU is here for you.
ITIN Loans
We believe in building affordable and sensible financial products and services for all, regardless of citizen status. All our products and services are available to members with an Individual Taxpayer Identification Number (ITIN) . Including our Personal Loans, Personal Accounts, and Credit Cards.
The products below are a brief overview of products that have been built to answer specific needs our ITIN members might have:
- ITIN Mortgage: Purchase the home you've worked hard for with our ITIN Mortgage Loan.
- Immigration Loan: The road to citizenship can quickly add up, our immigration loan can help you cover costly expenses.
- MyCashPAL: MyCash PAL (Payday Alternative Loan) can help you out when you're low on cash or have an immediate need for emergency funds.
- Credit Building Products: We have a suite of products to help build your credit whether you're just starting out or need a second chance.