River City Credit Union San Antonio TX | Affordable Vehicle Loans & Business Banking

Introduction

At River City, we understand that financial stability is a cornerstone of a thriving community. Located at 5910 Babcock Rd, San Antonio, TX 78240, our branch has been serving members since 1936 with a commitment to providing personalized financial solutions. With over 14,476 members and total assets amounting to $150,728,999, we're proud to be a trusted partner in your financial journey. While members can visit us at our Babcock Branch, official correspondence should be sent to PO Box 12689, San Antonio, TX 78212-9989. Our experienced team of 67 employees, led by CEO Jeff Ivey and Board President Glen Glass, is dedicated to helping you achieve your financial goals. Whether you're looking for personal banking services such as checking accounts and auto loans or business banking options like merchant services and loans, we've got you covered. With total deposits of $6,806,922 and cash in hand of $1,529,002, we are well-equipped to meet the needs of our members. Our commitment extends beyond just numbers; we strive to make a positive impact on our community through responsible lending practices and exceptional service. Our branch also offers convenient online and mobile banking options to ensure that you can manage your finances anytime, anywhere. Don't hesitate to reach out to us at 210-225-6866 for any inquiries or visit our website at www.rcityfcu.org to learn more about how we can assist you. Join us at River City Credit Union where your financial future is our priority!

Branch History & Mission

Welcome to the River City Credit Union, a cornerstone of community banking in San Antonio, Texas. Established in 1936, our branch has been dedicated to providing financial services that meet the needs of our members and the surrounding community. Over the years, we have grown and evolved, but our commitment to serving you remains steadfast. Located at 5910 Babcock Rd, San Antonio, TX 78240, our branch is more than just a financial institution; it's a place where relationships are built and dreams are nurtured. With a total membership of 14,476, we pride ourselves on knowing our members personally and understanding their unique financial goals. Our mission at River City is simple yet powerful: to empower our members through accessible financial services while fostering community growth. We believe that everyone deserves the opportunity for financial stability and success. That's why we offer a range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions tailored to fit diverse needs. While members can visit us at 5910 Babcock Rd, official correspondence should be sent to PO Box 12689, San Antonio, TX 78212-9989 if necessary. In today's fast-paced world, we understand the importance of accessibility. Our branch is equipped with modern digital advancements such as online banking and mobile payments, making it easier than ever for you to manage your finances on-the-go. Our ATM availability ensures you have access to your funds whenever you need them. Our operating hours are designed with your convenience in mind: Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturday from 9:00 a.m. to 3:00 p.m. While we do not currently offer drive-thru service or shared service centers, our friendly staff is always ready to assist you inside our branch. At River City Credit Union, we also prioritize community outreach. We actively partner with local organizations to support initiatives that uplift those around us because when our community thrives, we all benefit. As we look toward the future with total assets of $150,728,999, we invite you to join us on this journey. Experience the difference that comes from being part of a credit union that truly cares about its members and their success. Together, let's build a brighter financial future! Feel free to reach out at (210) 225-6866 if you have any questions or want to learn more about how River City Credit Union can serve you!

Branch Location & Accessibility

Welcome to the River City Babcock Branch, your friendly neighborhood credit union located at 5910 Babcock Rd in beautiful San Antonio, Texas. Nestled in Bexar County, we're just a stone's throw away from popular local spots, making it easy for you to drop by whenever you need us. Whether you're heading to the nearby shopping centers or enjoying a day out at one of the local parks, our branch is conveniently situated for all your banking needs. At River City, we pride ourselves on providing accessible and welcoming services to our members. Our branch features ADA-compliant access, ensuring everyone can visit us without any hassle. Plus, parking is ample and convenient, making your visit even easier. While our Babcock location offers ATM availability for quick cash withdrawals and balance checks, we also provide personal banking services tailored to fit your lifestyle. Our lobby hours are designed with your schedule in mind. We're open Monday through Friday from 9:00 a.m. to 6:00 p.m., and on Saturdays from 9:00 a.m. to 3:00 p.m., giving you plenty of time to stop by when it suits you best. If you have any questions or need assistance, feel free to give us a call at 210-225-6866; our team is here to help! While members can visit us at our branch address, please note that official correspondence should be sent to PO Box 12689, San Antonio, TX 78212-9989 if it's different from our physical location. We invite you to come experience all that River City has to offer! Whether you're interested in opening an account or simply want to learn more about our services like auto loans, mortgage options, or online banking features, we're excited to assist you. Stop by today and see how we can help make your financial journey smoother!

Member Eligibility

At River City, becoming a member is like joining a caring family that looks out for your financial well-being. If you live, work, or attend school in the San Antonio area, you may be eligible to open an account with us. It's our way of welcoming you into a community dedicated to helping you achieve your financial goals. You can find more specific eligibility details by visiting our website at . The process to become a member is straightforward and inviting; just reach out to us at (210) 225-6866 or stop by our branch located at 5910 Babcock Rd San Antonio Tx 78240 during our operating hours. We're excited to support you on your journey to financial success!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having the ability to process payments quickly and easily while keeping your customers happy. Our merchant services provide practical tools that enable you to accept various payment methods, making transactions smoother for both you and your clients. From credit card processing to mobile payment options, we equip your business with what it needs to thrive in today's market. Visit us at 5910 Babcock Rd San Antonio Tx 78240, San Antonio, TX, or give us a call at (210) 225-6866 to learn more about how our business banking services can help you achieve your goals!

Tailored Business Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $76 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $6,940,426, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With ATM access readily available at our location and beyond, withdrawing cash has never been easier. Whether you're grabbing lunch or shopping for groceries, you'll always have quick access to your funds. At River City, we're not just about numbers; we're about building relationships and helping our members thrive financially. Explore all these services today by visiting us at 5910 Babcock Rd, or give us a call at 210-225-6866. Your financial success is our priority!

Auto Loans & Vehicle Financing

Thinking about buying a new car? With our auto loans and vehicle financing options, we make it simple. We offer flexible terms and competitive rates that fit your budget. Whether you're eyeing a brand-new model or a pre-owned vehicle, we're here to assist you every step of the way so you can hit the road with confidence.

Business Banking

Entrepreneurs and small business owners will find valuable resources in our business banking services. From merchant services that simplify transactions to business loans aimed at helping you expand, River City supports local businesses by providing the tools they need to succeed.

Credit Cards with Rewards

For those who love earning rewards while spending wisely, our credit cards come with attractive benefits. Use them for everyday purchases and watch points accumulate towards exciting rewards making every dollar count!

Mortgage Loans & Refinancing

Homeownership is within reach with River City's mortgage loans. Our knowledgeable staff will guide you through the process of securing financing for your dream home or refinancing an existing mortgage to lower your monthly payments. We know that purchasing a home is one of the biggest decisions you'll make; that's why we strive to make it as straightforward as possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can easily check balances, transfer funds, pay bills, and even deposit checks right from your smartphone or computer giving you control over your finances anytime and anywhere.

Personal Banking

For those starting out on their financial journey or looking for reliable banking options, our personal banking services include checking and savings accounts that cater to various lifestyles. Imagine having a checking account that not only allows you to manage your day-to-day expenses but also comes with features that help you save for future goals. Our savings accounts offer competitive rates, making it easier for you to build your financial cushion over time.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt into one manageable payment, our personal loans are designed just for that. We understand how overwhelming debt can be, and our team can help find solutions that work best for you.

Digital & Online Banking

Key Features

One of the standout features we offer is electronic signature authorization. This allows you to sign documents digitally, streamlining the process for opening new accounts or applying for loans without having to visit a branch in person. You'll also appreciate the availability of e-statements, which means you can keep track of your transactions while helping the environment by going paperless. For those who love using their mobile devices, our mobile application puts all these features right in your pocket. You can make person-to-person transfers with ease, enabling you to send money to friends or family instantly. Plus, our mobile payments feature allows you to pay for purchases directly from your phone no cash or cards needed!

Security and Accessibility

We prioritize security so that you can bank with peace of mind. Our systems use advanced encryption technology to keep your information safe. Whether you're logging in through our website or using our mobile app, rest assured that your data is protected. With River City's digital banking services, managing your finances is not only efficient but also user-friendly. Accessing your accounts and making transactions has never been more straightforward. Join us today and experience banking that's built around your needs!

Financial Strength

A Solid Foundation

With a net worth of $23,700,300, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,565 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $8,560,427 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $1,242 in used auto loans and $108,878,750 in total loans and leases, we support members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $22,893,443 in share certificates and $12,936,723 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $8,942,105, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 62 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Trustworthy Partnerships

Net Shares (Funds available for lending and investments): $3,497,452. Total Share and Deposit Accounts: 28,211, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, River City is your trusted partner. Visit us at 5910 Babcock Rd San Antonio Tx 78240 or call (210) 225-6866 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Lending Options

For those needing business funding, our outstanding commercial loans totaling $6,940,426 provide the capital needed to grow and expand your business ventures. Furthermore, if you're considering debt consolidation or refinancing options, our team is here to guide you through eligibility requirements and find the right solutions for your situation. At River City, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit us to learn more about how our loan products can work for you!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $23,705,648 in used vehicle loans and $10,799,053 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we can assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $4,819,017. Let us help you navigate through the process and secure a comfortable home for you and your family.

Unsecured Credit Cards

Managing finances can be tricky. That's why we offer flexible terms on unsecured credit card loans, with a total of $8,434,748 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards that can benefit your everyday spending.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers without hidden terms or conditions. By relying on verified financial institutions, LendMesh guarantees that all comparisons are based on accurate information.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the options presented are genuine and competitive. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can be confident that you're seeing the best available rates without any influence from advertising dollars. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. The platform continuously updates its data to reflect current market conditions, giving users a clear view of their options. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness and reliability of the service. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

RIVER CITY FEDERAL CREDIT UNION