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Today's National Mortgage Rates

Loan Type Today Last
Week
30 yr fixed 6.19% 6.29%
15 yr fixed 5.71% 5.79%
5/1 ARM 5.86% 5.90%
Rates as of 9/04/08
Source: bankrate.com

LOAN CHOICES

Riverview Loans

Select the loan type to the left that you would like to learn more about.

Consumer Loans

Achieve your goals with a Riverview loan. Whether you are looking to remodel a bathroom, take a much-needed vacation, buy a car or finance a college education, Riverview can help. From home equity loans to auto loans and personal credit lines, we can help get the money you need to meet your personal goals.

Unsecured

Uses: Various uses such as older used vehicles, motorcycles, ATVs, personal watercrafts (jet-skis), or other personal use.

Maximum Limit: $25,000
Fees:

  • $125 Loan Fee ($75 with auto-payment from Riverview Checking account)
  • Department of Licensing Fees (if applicable)
Benefits:
  • Competitive interest rates
  • Auto-payment available
  • Consolidate credit cards/loans at a lower interest rate

Auto/RV Loan

Uses: For current year vehicles or pre-owned vehicles up to 10 years old.

Maximum Limit: MSRP, 100% of the retail value OAC or 100% of the purchase price plus applicable sales tax, whichever is less
Fees:

  • $125 Loan Fee ($75 with auto-payment from Riverview Checking account)
  • Department of Licensing Fees (if applicable)
Benefits:
  • Get Pre-approved so you can negotiate as a cash buyer
  • Competitive interest rates
  • Never a pre-payment penalty

Personal Loans & Lines of Credit

Uses: Unsecured line attached to the customer's Riverview Checking account.

Maximum Limit: $25,000
Fees:

  • Interest rate tied to prime +4.00% margin
  • $30 annual fee
  • $5 per transaction fee to cover overdraft from Personal Checking account
  • No fee on approved withdrawals 
  • Benefits:
  • Fast and easy access to funds
  • Competitive interest rates
  • Consolidate credit cards/loans at a lower interest rate
  • Convenient
  • No collateral required

CD and Savings Secured

Uses: A savings or CD secured loan is a loan secured by funds held in the applicant's account. Funds held as security on these types of loans may not be withdrawn below the balance of the loan. The funds securing the loan will continue to earn interest.

Maximum Limit: N/A
Fees: None if tied to a Riverview Checking account, otherwise $75.00
Interest rate: 3.00% margin + deposit rate with 6% floor

Mortgage Loans

Riverview Mortgage Brokerage Service offers an array of products and lenders to meet your needs. Every families financial situtation is different. We work with a variety of lenders and look at literally hundreds of different packages. We will shop the national market to get our customers the best product to meet their particular needs.

Fixed Rate/ARM Loans

For customers who want the long-term security of a fixed rate and payments. Interest-only options available.

Loan to Value Maximums: Up to 100%
Terms: 15/20/30 years
Benefits: Peace of mind. A fixed rate offers the security of being able to budget your monthly payment for the life of the loan.

Balloon Loans

This owner-occupied program is for customers who desire a lower initial payment, first time home buyers or those planning to move or refinance in a few years.

Loan to Value Maximums: 95%
Terms: 30-year amortization with 5- or 7-year balloon
Benefits:
A balloon is a fixed rate loan that begins with a low, fixed payment and ends with a single payment due at the end of the balloon period. Our balloon does have an option to extend the term at the end of the balloon period WITHOUT refinancing. It provides payment stability for a longer period than an adjustable rate mortgage (ARM).

Jumbo Loans

For customers who require higher loan amounts.

Loan to Value Maximums: NA
Terms: 15/30 year fixed rate, 1 year ARM, 2/1 ARM, 3/1 ARM

Combo Construction Loans

For customers who wish to have their own home built by a licensed, approved builder with one convenient closing.

Loan to Value Maximums: 95%
Terms: 15/20/30 year fixed rate or 30-year amortization with 5- or 7-year balloon
Benefits:

  • Combines the 9-month construction period with permanent financing for one convenient package and closing.
  • All Fixed and Balloon loans are eligible. Interest-only payments through the construction period.
  • Interest-only payments through the construction period.
  • One-time rate adjustment upon completion and updated credit required.

1-Year Construction Loans

For customers needing up to one year to complete construction.

Loan to Value Maximums: 80%-90%
Terms: One-year term with monthly interest-only payments
Benefits: An attractive alternative to a combo loan for those who need a longer construction period.

Land Loans

For customers buying unimproved land now to build their dream home in the future.

  • Manufactured Home Loans
  • New to 10-year-old units
  • Combo construction financing
  • All programs available
  • Includes land

Loan to Value Maximums: up to 65% (unimproved land) or 75% (improved land)
Terms: 25-year fixed rate or ARM loans with a 5-year call, or 25-year term with 3-year call
Benefits:
Seller can carry up to 25% on a second mortgage. Minimum 10% down payment required.
Example:
$100,000 Lot
$10,000 down payment
$25,000 2nd mortgage
$65,000 first mortgage

Home Equity Loans

Riverview offers Home Equity Lines of Credit and Loans to meet our customers needs.

Home Equity Line of Credit

For customers who want flexibility and convenience in a revolving line of credit product with tax advantages.* Suggested uses include: autos, recreational vehicles, boats, travel trailers, vacation, college, wedding, remodel or home improvements, bill consolidation.

Annual Fee: $50, waived the first year
Origination Fee: None
Loan Fee: Under $100,000 - except appraisal and or escrow fees if needed, Over $100,000 - typical loan fees 
Terms: 10-year draw period due in 15-year repayment period
Minimum Payment: Interest only during draw period, or 2% of the outstanding balance if in 15-year repayment.
Minimum: $10,000
Maximum Loan to Value: Up to 90% OAC
Benefits:

  • Competitive interest rates
  • Minimum payments accrued interest only
  • Low annual fee
  • Free checks for easy access to funds
  • Interest on loans may be tax deductible

Please include the following items with submitting your completed application: verification of your earnings, current tax assessment, evidence of your homeowners insurance, and picture identification.

* Please consult your tax advisor regarding the deductibility of interest and charges.

Disclaimer

Fixed Rate Home Equity Loan

For customers who want the long-term security of a fixed rate and payments along with the tax advantages of a home equity loan.* Suggested uses include: autos, recreational vehicles, boats, travel trailers, vacation, college, wedding, remodel or home improvements, bill consolidation.

Annual Fee: None
Origination Fee: $75 when using autopay from a Riverview Checking account, otherwise $125
Fees: Typical closing fees
Terms: 15-year
Minimum Payment: Amortized
Minimum: $10,000
Maximum Loan to Value: Up to 90% OAC

Please include the following items with submitting your completed application: verification of your earnings, current tax assessment, evidence of your homeowners insurance, and picture identification.

* Please consult your tax advisor regarding the deductibility of interest and charges.

Disclaimer

Visa®


Riverview offers a vast array of credit card options to help meet everyone's needs. If you need help selecting which card is right for you, please see your local Riverview Branch and we will be happy to assist you in choosing your card.

All Riverview cards come with Verified By Visa®. Verified by Visa® is a free service that provides you with a secret password for your Visa® Card. It protects you from unauthorized use when you use your card to shop at participating online merchants.

It's easy to sign up, easy to use and best of all it's free! If you are already a Riverview credit card holder click here to view your account.

Travel Rewards Visa®

With this card, you'll earn one reward point for every net purchase dollar you charge. Earn up to 10,000 points a month plus 2,500 bonus points awarded upon application approval. Exchange points for tickets on any airline, with no blackout dates, seating restrictions, or zone restrictions, all for a low $55 annual program fee. Special introductory rate for the first six months.

To apply for your Riverview Travel Rewards Visa® card, or for more details, stop by your local branch office or apply here.

Cash Rewards Platinum Visa®

Get cash rebates representing up to 1% of your purchases made with this card each year!

It's the perfect credit card for daily purchases such as buying groceries, gasoline, clothing, etc. Earn up to $350 a year, and points redeemable for merchandise, electronics, gift certificates from leading retailers and restaurants, airline ticket discounts, and much more. Earn up to 2,500 points per month plus 1,000 bonus points awarded upon application approval. Also earn bonus points while shopping with online shopping partners.

No annual fee when you make just one purchase per year. Special introductory rate for the first six months.

Benefits:

  • Save with the Visa Platinum Card: You'll pay no annual membership fee with at least one purchase a year. Plus you'll receive a great variable rate even after the first six months on purchases. Special introductory rate for the first six months. Up to $500,000 travel accident insurance for you and your family when you purchase tickets with your Card.
  • Higher credit limit.
  • Extended Warranty Coverage. Double the manufacturer's warranty (up to one year).
  • Car Rental Discounts. On Avis, Alamo, Hertz, or National.
  • Free Collision/Damage Insurance.2 You are fully covered when you use your card to rent a car. Save up to $20 per day.
  • Travel Assistance. To replace lost tickets, obtain medical and legal referrals.
  • No Annual Membership Fee (with at least one purchase a year).
  • 24-hour Card member Service. 1-800-558-3424. If you have questions we are here for you every hour, every day. And if your card is ever lost or stolen, we'll send replacement cards within 48 hours.
  • Cash Fast. 703,000 ATMs worldwide.
  • Purchasing Power. Accepted at millions of locations worldwide.

To apply for your Riverview Cash Rewards Visa® card, or for more details, stop by your local branch office or apply here.

Select Rewards Visa®

Start earning points immediately! Earn 1,000 bonus points with your very first credit card purchase.

Your Select Rewards Visa® Platinum Card credit card gives you the most choice in reward options. Choose from a wide variety of pre-selected rewards, or Choose Your Own Rewards, by simply making a purchase virtually anywhere, and redeeming it for points.

Choose from rewards such as electronics, restaurants, gift certificates to popular retailers, travel options, and even magazine subscriptions. Earn 1 point for every net purchase dollar you spend. You have online access to view, manage and redeem your points from the convenience of your computer.

Benefits:

  • No Pre-set Spending Limit - for added flexibility and convenience.
  • Concierge Service - Get help with dining reservations, gift arrangements, event tickets, business services and much more, 24/7/365!
  • No Point Earning Cap - The account points that may accumulate in any monthly billing cycle are unlimited.
  • Dining Privileges - Make dining arrangements online worldwide. You may enjoy a variety of discounts and special offers.
  • Signature Travel - Visa Signature provides two levels of travel options: Standard Travel for booking flights with a traditional 3-week advance purchase and Saturday night stay. For additional points, Signature Travel lets you book flights with a mere 7-day advance and no Saturday night stay required. All travel options let you choose the airline and have no black out dates or seat restrictions.
  • Travel accident insurance - Yours automatically -- $1,000,000 of coverage at no extra cost -- when you purchase tickets for travel on common carriers with your Visa® Signature Card.
  • Auto rental insurance - Yours automatically -- at no extra cost -- when you charge your entire car rental on your Visa® Signature Card and decline the rental company's collision damage waiver option. 24-hour coverage for damage due to collision or theft.
  • Visa Zero Liability - You are not liable for unauthorized purchases on your Visa® Signature Card.

To apply for your Riverview Select Rewards Visa® card, or for more details, stop by your local branch office or apply here.

College Rewards Visa®

Helps college students establish a solid credit rating without the need for a co-signer.

Earn one point for every net purchase dollar you charge, and use the points for CDs, media rentals, movie tickets, electronics, restaurant certificates and much more. No annual fee with one purchase per year.

To apply for your Riverview College Rewards Visa® card, or for more details, stop by your local branch office or apply here.

Young Adult Visa®

Helps young adults (16 and older) learn good money management skills and build a solid credit history under the guidance of a co-signer. No annual fee with one purchase per year.

To apply for your Riverview Young Adult Visa® card, or for more details, stop by your local branch office or apply here.

Meet Our Brokers

Riverview mortgage brokers represent the best and brightest in lending experience.

Our brokers understand that one loan doesn't fit all--everyone's financial situation is different. That's why our brokers work with a variety of lenders and look at literally hundreds of packages.

It's that kind of experience and dedication that will ensure you get the best product to fit your particular need.