River Cities logo

Savings Rates

Savings Rates as of 6/22/2017 APY Rates are subject to change
Share 0.25%
Draft 0.20%
Christmas Club 0.70%
Vacation Club 0.70%
6 Month CD 0.35% $1000 Minimum Deposit
12 Month CD 0.45% $1000 Minimum Deposit
18 Month CD 0.60% $1000 Minimum Deposit
24 Month CD 0.70% $1000 Minimum Deposit
36 Month CD 0.80% $1000 Minimum Deposit
48 Month CD 0.90% $1000 Minimum Deposit
60 Month CD 1.10% $1000 Minimum Deposit
Rates are subject to change at any time.

Loan Rates

We use Equifax Credit Reporting and have structured our scores with their scale accordingly. Highest score is 800.
All Rates are subject to change by direction of the Board of Directors.

Credit Rating

  • A+ 730+
  • A 680-729
  • B 630-679
  • C 581-629
  • D 550-580
  • E 500-549
  • E2 499-475

Unsecured Loans-One Year
Effective 04/18/2017

Credit Rating APR Loan Limit Debt Ratio
A+ base minus 1.00% 2 Yr 6.25% $5,000.00 to 40%
A base - 1-2 Yr 7.25% $5,000.00 to 40%
B base plus 1.00% 1-2 Yr 8.25% $5,000.00 to 40%
C base plus 8.00% 15.25% $2,500.00 to 40%
D base plus 9.00% 16.25% $2,000.00 to 40%
E base plus 10.00% 17.25% $2,000.00 30% & lower
E base plus 10.00% 17.25% $1,500.00 31% - 40%
E2 base plus 10.00% 17.25% $500.00 0-40%
E level credit ratings do not qualify for loan specials
No loans available for E level of 475 or lower

Secured

New Vehicle Rates - 100% of value for: 5 Years 6 Years 7 Years $30K or over
A+ base 2.75% 3.00% 3.25%
A base 2.75% 3.00% 3.25%
B base plus 0.50% 3.25% 3.50% 3.75%
C base plus 5% 7.75% 8.00% 8.25%
D base plus 8.50% 11.25% 11.50% 11.75%
E base plus 10.50% 13.25% 13.50% N/A
E level secured loans only up to $10,000

Used Vehicle 2016-2012 4 years 5 years > $20,000
A+ base
120% of value
3.25% 3.25%
A base
120% of value
3.25% 3.25%
B base plus 1%
100% of value
4.25% 4.25%
C base plus 7%
100% of value
10.25% 10.25%
D base plus 9%
100% of value
12.25% 12.25%
E base plus 11%
100% of value
14.25% 14.25%

Used 2011 & Older 3 years 5 years > $20,000
A+ minus 0.50%
100% of value
4.25% 4.25%
A base
100% of value
4.75% 4.75%
B base plus 1%
100% of value
5.75% 5.75%
C base plus 4%
95% of value
11.25% 11.25%
D base plus 7%
95% of value
14.25% 14.25%
E base plus 9%
95% of value
16.25% 16.25%

Used Motorcycles 2016-2006 - 100% of value 3 years 4 years > $10,000
A+ base minus 0.50% 5.75% 5.75%
A base 6.25% 6.25%
B base plus 1% 7.25% 7.25%
C base plus 4% 10.25% 10.25%
D base plus 6% 12.25% 12.25%
E base plus 8% 14.25% 14.25%

Used Motorcycles 2005 & older - 90% of value 2 years 3 years > $10,000
A+ base minus 0.50% 8.75% 8.75%
A base 9.25% 9.25%
B base plus 1% 10.25% 10.25%
C base plus 4% 13.25% 13.25%
D base plus 6% 15.25% 15.25%
E base plus 8% 17.25% 17.25%

Boats, Travel Trailers & ATVs NEW - 100% of value 3 years 4 years > $10,000
A+ base minus 0.50% 9.50% 9.50%
A base 10.00% 10.00%
B base plus 1% 11.00% 11.00%
C base plus 3% 13.00% 13.00%
D base plus 5% 15.00% 15.00%
E base plus 7% 17.00% 17.00%

Boats, Travel Trailers & ATVs USED - 90% of value 2 years 3 years > $10,000
A+ base minus 0.50% 10.50% 10.50%
A base 11.00% 11.00%
B base plus 1.00% 12.00% 12.00%
C base plus 3.00% 14.00% 14.00%
D base plus 5.00% 16.00% 16.00%
E base plus 7.00% 18.00% 18.00%


Fee Schedule

5% Penalty on Withdrawals from Club Accounts
Fee Schedule-effective March 1, 2017  
Missouri Title Fee $15.00
Missouri UCC Fee $10.00
Kansas Title Fee $15.00
Kansas UCC Fee $10.00
Credit Report $12.00 Single/$24.00 Double
Loan Application/Processing Fee $15.00
Notice of Security Interest Filing-Kansas $15.00
Notice of Security Interest Filing-Missouri $15.00
Late Loan Payment Fee $10.00 or $5.00 if less than $25 payment
Share Withdrawals over three per month $5.00
Returned Item Fee/Debit Overdraft $30.00
Stop Payment $15.00 per item
One Time ACH Transaction $4.00 ($5.00 same day)
Paper Statement Fee, per quarter, per month $1.25
Research Accounts, per hour & minimum $25.00
New Card, Debit or ATM $5.00
New PIN $2.00
ATM Fee First free each month then $2.00 each transaction
Deposit Item Returned $20.00
NSF transfer fee $5.00 per item
Temporary Checks, 10 free w/account opening $5.00 for 10 (First 10 free upon opening account)
CARFAX $32.00
Inactive account fee $2.50 per quarter
Early Checking account closing $10.00