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River City Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.rivercityfcu.org
210-225-0708
610 Augusta St
San Antonio, TX 78215

River City Federal Credit Union is headquartered in Leon Valley and is the 121st largest credit union in the state of Texas. It is also the 1,493rd largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 58 employees and 13,773 members at 7 locations. River City Federal Credit Union's money market rates are 6X the national average, but it has a C- health rating.

Field of Membership Restrictions

Membership in River City Federal Credit Union is open to anyone who lives, works, worships, or attends school in Bexar County, Texas.
See current membership details

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Health
C-

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. River City Federal Credit Union has a negative return on assets.

Health Grade Components

Overall
NCUA #926
Year Chartered1936
Employees58
Primary Regulator
Profit Margin
Return on Assets - YTD-2.72%
Return on Equity - YTD-65.69%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$151.7MM$148.5MM
LoansQ1 2025vs Q1 2024$106.9MM$111.1MM
DepositsQ1 2025vs Q1 2024$127.8MM$118.3MM
Equity CapitalQ1 2025vs Q1 2024$6.3MM$7.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.8MM$2.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.4MM$1.2MM
Real Estate OwnedQ1 2025vs Q1 2024$1.4MM$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

River City Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$500Youth Savings
OTHER TIERS: 0.20% → $500+
0.10%$0-Regular Savings
0.10%$0-Special Savings
0.10%$0-Holiday Cache Accounts
0.10%$0-Business Share Savings Account
0.01%$0-HSA Checking

River City Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$1m*-Money Market Account
OTHER TIERS: 2.27% → $2k - $50k | 2.35% → $50k - $1m
2.35%*$50k*-Business Money Market
OTHER TIERS: 2.27% → $2k - $50k

River City Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$2.5k*-Superior Checking
OTHER TIERS: 0.01% → $0 - $2.5k
0.35%*$150k*-Business Checking
OTHER TIERS: 0.05% → $5k - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $75k | 0.25% → $75k - $150k
0.01%$1k-Standard Checking

River City Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%*$100k*-6 Month CD
OTHER TIERS: 4.00% → $500 - $100k
4.10%*$100k*-1 Year CD
OTHER TIERS: 4.00% → $500 - $100k
4.10%*$100k*-Business 6 Month CD
OTHER TIERS: 4.00% → $500 - $100k
4.10%*$100k*-Business 1 Year CD
OTHER TIERS: 4.00% → $500 - $100k
3.90%*$100k*-2 Year CD
OTHER TIERS: 3.80% → $500 - $100k
3.90%*$100k*-Business 2 Year CD
OTHER TIERS: 3.80% → $500 - $100k
3.85%*$100k*-3 Year CD
OTHER TIERS: 3.75% → $500 - $100k
3.85%*$100k*-Business 3 Year CD
OTHER TIERS: 3.75% → $500 - $100k
3.80%$100-1 Year Freedom Builder Share Certificate
3.60%*$100k*-4 Year CD
OTHER TIERS: 3.50% → $500 - $100k
3.60%*$100k*-Business 4 Year CD
OTHER TIERS: 3.50% → $500 - $100k
3.10%*$100k*-5 Year CD
OTHER TIERS: 3.00% → $500 - $100k
3.10%*$100k*-Business 5 Year CD
OTHER TIERS: 3.00% → $500 - $100k

River City Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%*$100k*-6 Month IRA
OTHER TIERS: 4.00% → $500 - $100k
4.10%*$100k*-1 Year IRA
OTHER TIERS: 4.00% → $500 - $100k
4.10%*$100k*-Business 6 Month IRA
OTHER TIERS: 4.00% → $500 - $100k
4.10%*$100k*-Business 1 Year IRA
OTHER TIERS: 4.00% → $500 - $100k
3.90%*$100k*-2 Year IRA
OTHER TIERS: 3.80% → $500 - $100k
3.90%*$100k*-Business 2 Year IRA
OTHER TIERS: 3.80% → $500 - $100k
3.85%*$100k*-3 Year IRA
OTHER TIERS: 3.75% → $500 - $100k
3.85%*$100k*-Business 3 Year IRA
OTHER TIERS: 3.75% → $500 - $100k
3.60%*$100k*-4 Year IRA
OTHER TIERS: 3.50% → $500 - $100k
3.60%*$100k*-Business 4 Year IRA
OTHER TIERS: 3.50% → $500 - $100k
3.10%*$100k*-5 Year IRA
OTHER TIERS: 3.00% → $500 - $100k
3.10%*$100k*-Business 5 Year IRA
OTHER TIERS: 3.00% → $500 - $100k
0.75%$0-IRA Savings
Locations


River City Federal Credit Union Locations
Branch Office3009 Blanco RdSan Antonio, TX 78212-1344
Branch Office5910 Babcock RdSan Antonio, TX 78240
Branch Office610 AugustaSan Antonio, TX 78215-1902
Branch Office803 SW Military Dr Ste 116San Antonio, TX 78221-1567
Branch Office3014 Rivas StSan Antonio, TX 78228
Branch Office1410 Guadalupe stSan Antonio, TX 78207
Corporate Office5308 Wurzbach RdLeon Valley, TX 78238

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