| |
Rates & Fees
Account
Rates | Account
Service Fees | Disclosures | Loan
Rates | Other Service Fees
| |
| |
|
Type of Account |
Dividend
Rate |
APY* |
|
Regular Savings & Special Savings |
0.50% |
0.50% |
| Smart Suite,
Y.E.S. & Regular Checking |
0.05% |
0.05% |
River
City REWARD Checking
*APY
up to $30,000
**APY over $30,000
(when monthly qualifications are met)
---------------------------
***Base
APY
(when qualifications are not met) |
3.68%
1.00%
0.05% |
3.75%*
1.00%**
0.05%*** |
| Health Savings Account -
Savings & Checking |
1.00% |
1.00% |
| Insured Money Market
($2000-$49,999.99) |
0.90% |
0.90% |
| Insured Money Market
($50,000 -$99,999.99) |
0.95% |
0.95% |
| Insured Money Market
($100,000 +) |
1.05% |
1.06% |
| Holiday
Savers Club |
.75% |
.75% |
|
| |
|
*APY stands for Annual Percentage Yield. Rates
and APY are in effect as of June 7, 2010, and are subject to
change monthly without prior notice.
|
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| Share Certificate
Accounts |
|
|
|
Term |
Aggregate
Available* Deposits $500-$49,999.99 |
Aggregate Available* Deposits
$50,000 - $89,999.99 |
Aggregate
Available* Deposits $90,000 and above |
| Dividend
Rate |
APY** |
Dividend
Rate |
APY** |
Dividend
Rate |
APY** |
|
3 mos. |
.76% |
.76% |
.81% |
.81% |
.91% |
.91% |
|
6 mos. |
.91% |
.91% |
.96% |
.96% |
1.06% |
1.07% |
| 9 mos. |
1.15% |
1.16% |
1.20% |
1.21% |
1.30% |
1.31% |
| 1 yr. |
1.20% |
1.21% |
1.25% |
1.26% |
1.35% |
1.36% |
| 18 mos. |
1.70% |
1.71% |
1.75% |
1.76% |
1.85% |
1.87% |
| 2 yrs. |
1.75% |
1.76% |
1.80% |
1.82% |
1.90% |
1.92% |
| 3 yrs. |
2.24% |
2.26% |
2.29% |
2.32% |
2.39% |
2.42% |
| 4 yrs. |
2.53% |
2.56% |
2.58% |
2.61% |
2.68% |
2.72% |
| 5 yrs. |
3.00% |
3.04% |
3.05% |
3.10% |
3.15% |
3.20% |
|
* Available Deposits - Funds are not
pledged as collateral for a loan and are available for
withdrawal. |
|
|
|
|
** APY stands for Annual Percentage Yield. Rates and APY
are in effect as of July 28, 2010, and are subject to change
weekly without prior notice. |
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| Accumulative Individual Retirement Accounts |
| |
|
Early Withdrawal Penalty |
Dividend
Rate |
APY* |
|
IRA withdrawals before age 59 1/2 are
subject to certain IRS penalties. |
1.00% |
1.00% |
|
| |
|
*APY stands for Annual Percentage Yield. Rates and
APY are in effect as of June 7, 2010, and are subject to change
monthly without prior notice. |
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Loan Rates
Automobiles / Other Secured (Motorcycles, RVs, Boats, Furniture, Computer,
& other collateral) All rates are quoted as Annual
Percentage Rates (APR) and are subject to change. The rate shown
reflects a 0.25% reduction when the loan is repaid by
payroll deduction or automatic transfer from your savings or
checking account. Additional 0.50% reduction off of rate for
credit score of 720 and higher.
|
| |
|
24 mos. as low as |
36
mos. as low as |
48 mos.
as low as |
60
mos.
as low as |
72mos.
as low as |
| 80% financing |
3.74%/4.24%
APR |
3.74%/4.24%
APR |
3.74%/4.24%
APR |
3.99%/4.49%
APR |
4.24%/4.74% APR
[$18,000+]
|
| 100% financing |
3.99%/4.49%
APR |
3.99%/4.49% APR |
3.99%/4.49% APR |
4.24%/4.74%
APR |
4.49%/4.99% APR
[>$18,000]
|
RVs only
MAXIMUM
MATURITY
Up to $17,999... 60 mos.
$18,000 - $49,999... 120 mos.
$50,000+...
180 mos. |
73 - 120
months
(As much as 100%)
as low as 6.99%
APR |
121
- 180 months
(As much as 100%)
as low as 7.99% APR |
|
|
|
|
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| Real Estate
Loans
For information on the following types of loans, please call Lending Central at 210-348-9022. |
| |
| |
Amount Financed |
1 - 60
months |
61 -
120 months |
121 -
180 months |
| Home Improvement (to $200,000)
(640 credit score required to qualify
for 1st liens)
|
95% appraisal less existing
liens |
6.4% APR |
6.9% APR |
7.4% APR |
| HOME EQUITY LINE OF
CREDIT
Variable Rate (80% appraisal less
existing liens) Lifetime maximum
APR is 10.49% to 13.74%. |
As low as |
Annual
Adjustment Cap |
Lifetime Adjustment
Cap |
Draw Period |
Payment as low as
w/$75 min. |
Minimum
Rate |
New York Prime Rate less 0.26%
*Introductory/Initial
Rate |
3.99%* APR |
1.25% APR |
6.50% APR |
10 years |
1.20% |
as low as 3.99% APR |
| CLOSED-END HOME
EQUITY
Fixed Rate Loans (80% appraisal less existing lien
|
5
years |
7 years |
10 years |
15 years* |
20 years* |
| $5,000 to $400,000
(640 credit score required to qualify
for 1st liens)
*Term not currently offered.
|
As low as
4.75%
APR |
As low as 5.25% APR |
As low as 5.75% APR
|
N/A |
N/A |
|
We also offer home loan programs including:
conventional, VA, 100% financing, fixed or adjustable rates, construction-to-perm
and more. For information, including rates, on these types of real estate loans, please call
Suzie Harz at 210-581-1506 or 1-800-460-6990.
Pre-qualify for an SWBC Mortgage Loan
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|
| Unsecured Loans
|
| |
|
Type of Loan |
MAXIMUM
MATURITY |
ANNUAL
PERCENTAGE
RATE |
| Closed end - Signature Loan |
60 mos. |
as low as
9.9% |
| Closed end - Signature Loan
with Auto Pay |
60
mos. |
as low as
9.65% |
| Open end - Line of Credit |
$2.75 per
$100
(minimum $18) |
as low as
9.9% |
| Line of Credit with Auto Pay |
$2.75
per
$100
(minimum $18) |
as low as
9.65% |
| VISA CLASSIC credit card |
3% of outstanding
balance |
12.9%*
|
| VISA GOLD |
3% of outstanding
balance |
10.9%*
|
| VISA Platinum |
3% of outstanding
balance |
7.9%* |
| VISA SECURED credit
card |
3% of outstanding
balance |
9.9%* |
| *Introductory
rate of 2.99% APR applicable until the first day of the
billing cycle that includes the six-month anniversary
date of the opening of the account. |
|
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| Secured Loans |
| |
|
Type of Loan |
AMOUNT
FINANCED |
MAXIMUM
MATURITY |
ANNUAL
PERCENTAGE
RATE |
| Shares Pledged |
100% |
Single payment
up to 12 months, or 60 monthly payments |
2.5%
above dividend rate |
| Share Certificate Pledged |
100% |
To maturity
date of pledged certificate |
2.5%
above dividend rate |
| Stock Pledged |
70%
of market |
Single payment
up to six months, or 60 monthly payments |
11.9% |
| Stock Pledged over $2,000 |
70%
of market |
Single
payment up to six months, or 60 monthly payments |
9.9% |
|
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Account Service Fees
|
| |
| Membership Fee |
None |
| |
|
Checking Account Fees |
|
| Non-Sufficient Funds (NSF) |
$25.00 |
| Overdraft Privilege Fee (fee
imposed for in-person, ATM/Visa Check Card, check, Audio
Amigo, Internet Banking and ACH transactions) |
$25.00 |
| Stop Payment Fee |
$20.00 |
| Check Copy Fee |
$1.00 |
Monthly Service
Charge*
(if
balance drops below $500 during the month on a regular
checking account) |
$5.00 |
| Check Printing Fee |
depends
on style selected |
|
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| Other Service Fees |
| |
|
OTHER SERVICE FEES |
|
| ACH NSF |
$25.00 |
| Deposited Check NSF |
$10.00 |
| Interim Statement Fee |
$1.00 |
| Account Research and Reconciliation Fee
(per hour) |
$25.00 |
| Transfer Fee |
$1.00 |
| Replacement of ATM card |
$5.00 |
| Nonproprietary ATM transactions |
$1.00 |
| Account overdrawn by
ATM transaction(s) |
$25.00 |
| Cashier's Checks |
$3.00 |
| Wire Transfer |
$15.00 |
| Photo Copies (no charge for single copies) |
$.05 |
| FAX (no charge for local transmissions)
per page |
$1.00 |
| Money Orders |
$1.00 |
| Travelers Checks |
1% of
purchase |
| Check cashing for non-members (up to
$500) |
$5.00 |
| Check cashing for non-members ($500.01 -
$1000) |
$10.00 |
| Check cashing for non-members ($1000.01 -
$1500) |
$15.00 |
| RCFCU check (with one free a month) |
$1.00 |
| Visa Gift Card - $10.00 -
$500.00 |
$3.00 |
| Visa Gift Card - $500.01 -
$1000.00 |
$5.00 |
|
FEES FOR CASHING NON-MEMBER CHECKS |
| Up to $500.00 |
$5.00 |
| $500.01 - $1000.00 |
$10.00 |
| $100.01 - $1500.00 |
$15.00 |
|
ANNUAL SAFE DEPOSIT BOX FEES |
| 3" x 5" x 22" |
$20 |
| 3" x 10" x 22"
(Downtown Office only) |
$30 |
| 5" x 5" x
22" (Bitters Office only) |
$30 |
| 5" x 10" x 22" |
$50 |
| 10" x 10" x 22" |
$100 |
| Key Deposit (refunded when both keys
are returned upon closure) |
$10 |
| Drill Fee |
$120 |
|
CREDIT CARD FEES |
|
| Late fee |
5%
of minimum payment due, minimum of $15 |
| NSF |
$25 |
TNB's eZ Pay ACH payment
draft system:
Using the operator-assisted payment by phone method
Using the automated telephone payment option
|
$5
$4
|
|
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