The River City Federal Credit Union is a auto loan from River City Federal Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is APR as low as, as of December 29, 2025: New/Used Autos (Models 2024 & newer): 5.40% (0 to 66 months), 5.55% (67 to 75 months), 5.75% (76 to 84 months); Used Autos (Models 2014 - 2023): 5.40% (up to 66 months), 5.55% (67 to 75 months). Loan terms: 0 to 66 months; 67 to 75 months; 76 to 84 months.