Home Equity Lines 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 the closing costs.

For more information and lending assistance please contact a Relationship Manager.


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

To send documents securely, use our Share Portal.

Questions about your bill?

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 upload the completed application to our Share Portal, or you may print out the completed document and bring it to your local office. 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 & 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.