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Savings


Whether your needs are short-term in nature, or you are planning for the safety and security of your financial future, River City Bank takes personal savings to the next level by providing you with greater control, security, and satisfaction. Enjoy the confidence of knowing that your hard-earned investments are secure and that we provide the specific tools you need to attain your goals. Not only do we provide FDIC deposit insurance, but our own balance sheet—one of the strongest in the nation— earned the highest rating of "Superior" from the nation’s leading independent bank-rating firm, BauerFinancial. Thanks to our exceptional financial strength, you’ll enjoy a measure of assurance that only River City Bank can provide.

 
Product Minimum Opening Deposit Interest Earned Transaction Limitations Maintenance Fee
Elite Savings $1,000 Interest is compounded daily and credited to your account monthly.

Earned interest is tiered for balances as follows:

$0 - $99,999

$100,000 - $249,999

$250,000 +
Unlimited deposits; $15 Excessive Withdrawal Fee will be charged for each preauthorized/automatic withdrawal or transfer to another account or third party in excess of 6 per calendar month.(1) $4 per month

Average daily balance to waive maintenance fee: $2,500 in this account
Regular Savings $100 Interest is compounded daily and credited to your account monthly.

Earned interest is tiered for balances as follows:

$500 - $99,999

$100,000 +
Unlimited deposits; $15 Excessive Withdrawal Fee will be charged for each preauthorized/automatic withdrawal or transfer to another account or third party in excess of 6 per calendar month. (1) $3 per month

Average daily balance to waive maintenance fee:

$500 in this account
Money Market $5,000 Interest is compounded daily and credited to your account monthly. Earned interest is tiered for balances as follows:

$5,000-$49,999

$50,000 - $99,999

$100,000-$499,999

$500,000-$999,999

$1,000,000+
Unlimited deposits; $15 Excessive Withdrawal Fee will be charged for each preauthorized/automatic withdrawal or transfer to another account or third party in excess of 6 per calendar month. (1) $10 per statement cycle

Average daily balance to waive maintenance fee:

$5,000 in this account
Certificate of Deposit (CD) $10,000 Interest is compounded daily and credited to your account quarterly. Earned interest is tiered for balances as follows:

$10,000 - $49,999

$50,000 - $99,999

$100,000 +
Early withdrawal penalty is assessed if a withdrawal is made prior to maturity. N/A*
IRAs & Roth IRAs $2,500 Interest is compounded daily and credited to your account quarterly. Earned interest is tiered for balances as follows:

$2,500 - $49,999

$50,000 - $99,999

$100,000 +
Early withdrawal penalty is assessed if a withdrawal is made prior to maturity. Other IRS penalties may apply. $20 annual custodian fee per IRA plan
(1) Important Notice: Federal regulation and our deposit agreement limit the number of withdrawals and/or transfers that may be made from a savings or money market account. There is a $15 fee for each preauthorized withdrawal or transfer in excess of these limits. If withdrawal limitations are exceeded three times in 12 cycles, the account will be closed or converted to a checking account.

* Fee Schedule