Refund Anticipation Loans (RALs) will be available at the following locations: Presa Community Center, Guadalupe Community Center and The Neighborhood Place. Please see map on home page for updated days and times of service.

River City Federal Credit Union is providing the RAL service in tax year 2022. Click here for the River City FCU and VITA flyer.

A RAL is an advance (a loan) on all or part of your IRS tax refund. If you are getting a tax refund then you will be eligible for a RAL.

To get a RAL using VITA the procedure is as follows.

Step 1:
If you don’t already have an account with River City FCU, go to one of the River City Federal Credit Union offices listed below to create the account.

Step 2:
With your River City FCU routing number and account number, go to one of the locations listed above to get your taxes done by VITA. Your tax preparer will use the bank information you provided to complete your taxes.

Step 3:
Return to River City FCU with your completed tax return to receive your refund anticipation loan. There will be an application fee of no more than $15 and the maximum loan will be $5,000. No interest or other charges will be incurred when the IRS refund is processed.