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RIVER CITY Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: March 27, 2026

You can compare RIVER CITY rates to other rates in our database, including 12-month share certificate rates currently at 3.70%, 6-month share certificate rates at 1.51% and 3-month share certificate rates at 0.81%. Savings rates are at 0.10% and money market rates are at 0.00%. Mortgage rates on 30-year fixed loans are around 6.20%. All these rates can be compared to RIVER CITY rates. MonitorBankRates evaluates the financial stability of RIVER CITY with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.10%. Rates were last updated on 03/27/2026.

RIVER CITY money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at RIVER CITY? Share your experience about RIVER CITY by leaving a review below, or read customer reviews before you decide to use RIVER CITY.

Overall Health & Safety Grade ?
B+
Good Health Score: 90/100
MonitorBankRates Rating ?
4.8
Exceptional Out of 5.0 Stars
Texas Ratio ?
17.10%
Good Higher than avg
PNB of Kewanee
Augusta Office
610 Augusta
San Antonio, TX 78215 1902
http://www.rcityfcu.org
Member NCUA

Current Rate Availability

We do not have RIVER CITY rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for RIVER CITY is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather RIVER CITY rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with RIVER CITY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name RIVER CITY
Website http://www.rcityfcu.org
Address 610 Augusta, San Antonio, TX 78215 1902
Phone 210-225-0708
Fax
President Glen Glass
CEO Jeff Ivey
Full-Time Employees 48
Part-Time Employees 7
Branch Locations 5
ATM Locations 5
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (90/100)
Texas Ratio
17.10%
Return on Assets (ROA)
-2.0182%
Return on Equity (ROE)
-15.3882%
Non-Performing Loans Ratio (NPL)
3.02%
Total Assets
147,834,406
Total Amount of Shares and Deposits
125,375,377
Total Shares and Deposits < 1 Year
104,428,942
Total Shares and Deposits 1 3 Years
20,004,545
Total Shares and Deposits > 3 Years
941,891
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,799,607
Total Uninsured Shares and Deposits > $250K (F+J)
16,549,607
Total Insured Shares and Deposits > $250K (item 17 less item K)
108,825,770
Total Interest Expense (Sum of items 6 8)
1,586,314
Share Certificates
615
Number of Accounts for Share Drafts
9,468
IRA KEOGH Accounts
294
Number of Accounts for Regular Shares
13,577
All other shares
1,234
Non Member Deposits
56
Money Market Shares
532
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,969,218
Total Liabilities
143,075,649
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating
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Total Reviews
0
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Frequently Asked Questions About RIVER CITY

Is RIVER CITY a safe place to deposit money?

Yes, RIVER CITY is considered a safe financial institution. With a Texas Ratio of 17.09691472709%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does RIVER CITY operate?

RIVER CITY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join RIVER CITY?

Yes, to access services at RIVER CITY, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, RIVER CITY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, RIVER CITY provides members with tools to manage their accounts and build a solid financial history.

Does RIVER CITY offer online and mobile banking?

Most modern institutions like RIVER CITY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.rcityfcu.org.

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