Have you been dreaming of a project to up your entertaining game? You can use some of your equity in your home with a home equity line of credit. Use the HELOC when you want. Add more value to your home.
Love where you live. Your equity. Your way.
Rates as low as 5.99% APR* for six months and $0 origination fee.
You can use a HELOC for a variety of purposes, such as home improvements, debt consolidation, or unexpected emergencies. This versatility makes a HELOC a convenient option for homeowners who have multiple financial needs.
- Pay for repairs, renovations, and more
- Consolidate your debt and save
- Increase your monthly cash flow
*All loan applications are subject to credit approval. Terms, conditions, and rates are subject to change without notice. To qualify for this Home Equity Line of Credit (HELOC) offer, the borrower must maintain a Riverview Personal Checking Account with autopay to the HELOC and enroll in both Online Banking and Debit Card services. The Annual Percentage Rate (APR) is variable and adjusts with the Prime Index Rate as published by the Wall Street Journal (7.50% as of 4/16/2025), plus a margin determined by credit qualifications, loan amount, type of collateral, combined loan-to-value (CLTV), and the presence of a first-lien jumbo mortgage. An introductory APR of 5.99% applies for the first 6 months with qualified autopay from a Riverview Personal Checking Account established at consummation. Minimum APR is 4.25% (5.25% for manufactured homes); maximum APR is 16.00%. After the 10-year draw period, the APR becomes fixed based on the prevailing Prime Rate plus a margin between 1.50% and 3.75%, subject to the same credit criteria. The HELOC term is 30 years, including a 10-year draw period followed by a 20-year repayment period with monthly principal and interest payments. The introductory APR of 5.99% is valid for the first 6 billing cycles from the date of account opening and is available only to qualified borrowers who meet account requirements at consummation. Borrowers will pay no origination fees, excluding Appraisal, Appraisal Review, Evaluation, and Evaluation Review services. A $300 credit will be applied toward such services at closing. Borrowers are responsible for any amount exceeding the $300 credit. An annual fee of $75 is waived at the first scheduled assessment. The first annual fee will be charged after the second anniversary of the loan’s opening. The waiver is granted once and is non-renewable. If the HELOC is closed within 36 months of the Note date, a termination fee will apply. This fee equals the total value of any credits provided at closing, including closing costs and Appraisal/Evaluation/Review credits. Flood and/or property insurance may be required. Please consult your tax advisor regarding the deductibility of interest and fees. Other restrictions may apply.