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Consumer Loans

Home Equity Rates | Auto, Motorcycle, Boat, RV, ATV Loan Rates | VISA Rates | Other Loan Rates | Fee Schedule

Home Equity Rates
Convertible Home Equity Lines of Credit (Variable Rates) apply now
Loan Type Amount Loaned / Amount Financed APR
85% Convertible
Home Equity Line of Credit
Minimum $5,000
85% of Assessed Value Less Any
Existing Mortgage
4.00% Variable Rate with Auto Pay1
4.25% Variable Rate without Auto Pay
90% Convertible
Home Equity Line of Credit
Minimum $5,000
86-90% of Assessed Value Less Any
Existing Mortgage
5.00% Variable Rate with Auto Pay1
5.25% Variable Rate without Auto Pay

No Annual Fee, No Origination Fees. Title Report/Recording: $150,000 or less: $100; over $150,000: credit union pays first $250 of closing costs, which range from $0 to $1,500. $75 conversion fee (FINANCE CHARGE) to convert to or from a fixed rate loan. Waived for conversion loans taken when account established. Maximum APR = 18%. Property insurance required.
1
Autopay from any Rivermark account.

 

effective 11/26/08

Once you have established your Convertible Home Equity Line of Credit you can borrow as often as you like, up to your approved limit. As you pay down the balance, the money becomes available again. If you prefer a fixed rate and payment, you may convert a portion of your credit line balance into a fixed loan, without reapplying.

Convertible Home Equity Loans (Fixed Rates) apply now
Loan Type Amount Loaned / Amount Financed Repayment Period APR
85% Convertible
Home Equity Loan
Minimum $5,000
Up to 85% of Assessed Value
Less Any Existing Mortgage
7 Years 5.74% Fixed Rate with Auto Pay1
5.99% Fixed Rate without Auto Pay
15 Years 6.49% Fixed Rate with Auto Pay1
6.74% Fixed Rate without Auto Pay
20 Years 6.49% Fixed Rate with Auto Pay1
6.74% Fixed Rate without Auto Pay
90% Convertible
Home Equity Loan
Minimum $5,000
86-90% of Assessed Value
Less Any Existing Mortgage
7 Years 6.74% Fixed Rate with Auto Pay1
6.99% Fixed Rate without Auto Pay
15 Years 7.49% Fixed Rate with Auto Pay1
7.74% Fixed Rate without Auto Pay
20 Years 7.49% Fixed Rate with Auto Pay1
7.74% Fixed Rate without Auto Pay
Fixed Annual Percentage Rates effective as of May 1, 2008 are subject to credit and collateral approval and may require use of auto-transfer payment option. Closing costs range from $0 to $1,500, including required property appraisal. $75 Conversion Fee (FINANCE CHARGE) applies when converting to or from a fixed rate loan, and is waived if conversion option taken when loan account is established. Maximum APR = 18%. Property insurance required. 1Autopay from any Rivermark account.
effective 8/20/08

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Auto, Motorcycle, Boat, RV, ATV Loan Rates
New and Used Autos, Motorcycles, RVs, Boats, ATVs apply now
Loan Type Amount Loaned /
Amount Financed
Maximum Repayment Period Fees APR
New Auto, Van, Pickup, SUV
(Includes Tax & License)
2007 and Newer
80%-115% financing based on credit qualifications & collateral Up to 84 Months* No Fees 5.99%-18.24% T/F
Used Auto, Van, Pickup, SUV
1999-2006
1996-1998
70%-110% financing based on credit qualifications & collateral Up to 72 Months*
Up to 60 Months*
No Fees 6.24%-18.49% T/F
9.99%-18.99% T/F
New Motorcycle
(Includes Tax & License)

2007 and Newer
Up to 90% of Purchase Price 60 Months No Fees 5.99%-18.24% T/F
Used Motorcycle
1999-2006
1996-1998
Up to 90% of High NADA 36 to 60 Months* No Fees 6.24%-18.49% T/F
9.99%-18.99% T/F
New Recreational Vehicle / Boat / Personal Watercraft / Snowmobiles / ATVs
(Includes Tax & License)

2007 and Newer
Up to 80% of Purchase Price
(Minimum $20,000 for RVs/Boats over 84 months)
 85-180 months*
Up to 84 months*
No Fees 6.50%V*
7.50%F*
Used Recreational Vehicle / Boat / Personal Watercraft / Snowmobiles / ATVs
(Includes Tax & License)

1996-2006
Up to 80% of Kelley Retail (RVs) / High NADA (Boats) or Purchase Price, whichever is less. (Minimum $20,000 for RVs/Boats over 84 months)
85-180 Months*
Up to 84 Months*
No Fees 7.00%V*
8.00%F*
F Fixed Rates - V Variable Rates - T Tiered Rates. Tiered rates based on credit qualifications and use of auto-transfer payment option from a Rivermark checking account or direct deposit to a Rivermark checking account. *Depends on purchase price / value / downpayment / amount financed.
effective 10/10/08

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VISA Rates
VISA apply now
Card Type Credit Limit Grace Period for Purchases Fees APR*
Classic
Up to $2,499
25 days No Annual Fee 17.90% Rate
Gold
$2,500 - $4,999
25 days No Annual Fee 12.90% Rate
Platinum Rewards $5,000 or more 25 days No Annual Fee 9.90% Rate
effective 7/26/08

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Consumer Loan Rates
Consumer Loans apply now
Loan type Amount Loaned /
Amount Financed
Maximum Repayment Period Fees APR
Personal Line of Credit $500 - $30,000 Revolving No Fees 8.25%-17.25% T/V
PayDay Advance Loan Up to 20% of gross monthly income, minimum $50, maximum $500 Single payment based on pay period: monthly pay period: date of next paycheck; semi-monthly pay period: date of second paycheck; weekly pay period: date of fourth paycheck $15 Application Fee 25.00% F
Personal Loan $200 - $30,000 Up to 3 Years No Fees 11.00%-20.00% T/F
Share Secured Amount on Deposit 60 Months No Fees Rate + 4.00% V
Certificate Secured Amount on Deposit 60 Months No Fees Rate + 2.00% V
F Fixed Rates - V Variable Rates - T Tiered Rates. Tiered rates based on credit qualifications.
effective 6/26/08

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