Home Equity Line of Credit

Our Home Equity Line of Credit allows you to utilize the equity in your home to create a flexible, affordable and potentially tax advantaged way to meet your periodic borrowing needs. These open-ended lines of credit are provided for a 15 year term and depending on the amount of the credit line, we will pay $500 towards closing costs.

  • No Annual Fee
  • Clients must be approved for credit
  • WSJ prime rate based (subject to floor)
  • Interest only repayment option
  • Fast approval process
  • Various term options
  • Bank will pay up to $500 towards closing costs

Home Equity Lines of Credit (HELOC) Disclosure

I have read the above Home Equity Lines of Credit (HELOC) Disclosure and I understand and agree to it. Proceed to the application.


  • (These forms are available in PDF format that you can download and print
  • out. If you download these documents online, we advise you to save it to
  • your personal computer. Close the web browser and then open the
  • document from your local directory on your computer. You may then
  • print out the completed document at your convenience and bring it
  • to us. If you leave this document open on a web browser this information
  • can be intercepted by a third party without your permission or knowledge.
  • If you received a file electronically in an email from River Bank and Trust,
  • we advise you to follow the same procedures listed above. Do NOT send
  • this or any document to us electronically through email. Email is not a
  • secure way of contacting us and the information can be intercepted by
  • a third party.)