At a glance
From its website, read 2 Nov 2026River City Federal Credit Union is a credit union based in San Antonio, Texas. Its website describes small-dollar emergency loans, home repair loans, home mortgages and 1 other loan type. Stated loan amounts run from $400 to $50,000. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.rivercityfcu.org |
| Office (official list) | PO Box 12689, San Antonio, TX 78212 |
What their website says about applying
Apply Online or In-Branch
sourcePlease use your digital banking credentials to sign up for additional services, apply for a loan, or check the status of your application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | Short-term loan with up to 12 months to pay back | source |
| Loans (general) | Term: see their wording | Financing from 5 to 20 years | source |
| Home repair / improvement loans | Term: see their wording | Borrow as little as $500 and up to $50,000 with terms up to 240 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
No credit checks (additional requirements apply)
source - Collateral flexible or not always required
No collateral necessary
source - Membership required
Must be a member of River City FCU for at least 6 months
source - First-time homebuyer program
First Time Home Buyer
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Jul 2016 |
| RSSD ID | 612672 |
| Address | PO Box 12689, San Antonio, TX 78212 Directions to the main office (Google Maps) |
| Website | www.rivercityfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan pages were fetched, but no state or statewide service area is named and borrower eligibility is only partly stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-dollar / emergency loans | $400 – $1,500 | Borrow anything from $400 to $1,500 *New Borrower Maximum Loan Amount is $600 | source |
| Home repair / improvement loans | $500 – $50,000 | Borrow as little as $500 and up to $50,000 with terms up to 240 months | source |
| Home mortgages | — | Find your dream home and start the process of purchasing or refinancing it with one of our loans built for you and your family. | source |
| Personal / consumer loans | — | Make your next big move with our Signature Loans that guarantee you a simple interest rate you can afford. | source |
Loan sizes
Borrow anything from $400 to $1,500 *New Borrower Maximum Loan Amount is $600
sourceBorrow as little as $500 and up to $50,000 with terms up to 240 months
source
Range used for the size filter: $400 to $50,000
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Available online only. We've made it faster and easier to apply for a MyCash loan
source
Pages read (6)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What is the APR, including fees, on your small-dollar emergency loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.6 million in 5 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $560,000 |
| 2021 | CDFI Program, Financial Assistance | $676,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
Emergency Capital Investment Program (ECIP)
Treasury invested $14 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as RIVER CITY (charter 926). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $147.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 11,651 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Texas (5 offices)
- Bexar County (5): 5308 Wurzbach Rd, Leon Valley 78238 (main office); 3009 Blanco Rd, San Antonio 78212; 325 N New Braunfels Ave, San Antonio 78202; 5881 Babcock Rd, San Antonio 78240; 803 SW Military Dr, San Antonio 78221
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by River City Federal Credit Union (NCUA charter 926, filed as “RIVER CITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $113.8 million, 12,386 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 4.5% from $108.9 million on 30 Jun 2025 |
| Members | 11,651 (as of 30 Jun 2026); 13,476 (as of 30 Jun 2025) |
| Loans per member | $9,770 (total loans divided by members, 30 Jun 2026) |
| Total assets | $147.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $9.7 million | 8.6% |
| Used vehicle loans | $29.2 million | 25.7% |
| First-lien home mortgages (1-4 family) | $38.2 million | 33.5% |
| Other real estate loans (junior liens, other) | $5 million | 4.4% |
| Commercial (business) loans | $9.1 million | 8.0% |
| Credit cards | $7.6 million | 6.7% |
| Other unsecured loans | $12.4 million | 10.9% |
| Leases and other secured loans | $2.6 million | 2.3% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $50,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 23% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $147.8 million | Larger than 43% of the 14 other certified credit unions in Texas (median $191.6 million). |
| Loans as a share of assets | 77% | Median of the same 14 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $108.9 million → $113.8 million (+5%) | Median change of 14 other certified credit unions in Texas: +4%. Rank by loans held among these 15: 8 → 8. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 23% |
| Call Report total assets | other certified credit unions in Texas | 14 | larger than 43% |
| Loans held then vs now | certified credit unions in Texas reporting both dates | 14 | rank 8 → 8 of 15 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in San Antonio and Texas
- LiftFund, Inc.Loan fund · San Antonio, TXCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- National Association for Latino Community Asset BuildersLoan fund · San Antonio, TXCommercial real estate loansVerified
- Neighborhood Housing Services of San Antonio, Inc.Loan fund · San Antonio, TXHome mortgagesVerified
- Affordable Homes of South Texas, Inc.Loan fund · McAllen, TXHome repair / improvement loans, Home mortgagesVerified
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- Border Federal Credit UnionCredit union · Del Rio, TXAuto / vehicle loans, Personal / consumer loansVerified
Work at River City Federal Credit Union? Link to this page
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