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Loan Rates

Home Equity Line of Credit | Effective Date: 2-22-2018

Repayment Period Annual Percentage Rate
10 Year Draw Period 5.24% - 10.99%TV
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Home Equity APRs listed above are for owner-occupied single family residences, are effective as of the above date, and are subject to credit and collateral approval. Home Equity Line Of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal on the 15th day of each month (Index) plus a margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each billing cycle. The Interest Rate will never be less than 3.99% or greater than 18.00%. Closing costs (if applicable) range from $299 to $1,500, including property appraisal and title insurance, if required. Maximum Combined Loan to Value subject to collateral and credit qualifications. Property insurance required. Other rates and terms are available for Investment Property or Manufactured Home Equity Lines of Credit. F Fixed Rates. V Variable Rates. T Tiered Rates. Tiered rates based on credit qualifications.

Fees & Costs: No Annual Fee. No Origination Fee. Title Report & Recording: $100,000 or Less: $299. Over $100,000: Actual Cost over $250. Appraisal may be required at an additional cost.

Convertible Home Equity Rates (Fixed Rate Option) | Effective Date: 6-1-2017

Repayment Period Annual Percentage Rate
5 Years 5.49% - 13.74%TF
10 Years 5.74% - 14.74%TF
15 Years 5.99% - 14.99%TF
20 Years 6.49% - 15.49%TF
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Convertible Home Equity APRs listed above are for owner-occupied single family residences, are effective as of the above date, are subject to credit and collateral approval and use of auto-transfer or ACH payment option. Convertible Home Equity Line Of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal on the last business day of each month (Index) plus a margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each billing cycle. The Interest Rate will never be less than 3.99% or greater than 18.00%. Closing costs (if applicable) range from $299 to $1,500, including property appraisal and title insurance, if required. $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. Loan to Value subject to collateral and credit qualifications. Property insurance required. Other rates and terms are available for Investment Property or Manufactured Home Equity Lines of Credit. F Fixed Rates. V Variable Rates. T Tiered Rates. Tiered rates based on credit qualifications.

Auto, Van, Pickup, SUV 2017 and Newer | Effective Date: 2-1-2018

Term1 APR2 Payment3
36 Months4 2.99% - 16.70%TF $29.08 - $35.50
48 Months 2.99% - 15.80%TF $22.13 - $28.24
60 Months 3.24% - 15.90%TF $18.08 - $24.26
72 Months 3.49% - 17.90%TF $15.41 - $22.75
84 Months 4.24% - 15.99%TF $13.66 - $19.86
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1Depends on loan amount.

2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

4Mortgage Rewards and other discounts not available with this term

Amount Financed: up to 100%

Rates applicable only to loans obtained directly from Rivermark; other rates may apply to Rivermark loans obtained through an auto dealer.

Auto, Van, Pickup, SUV 2016 or Older | Effective Date: 2-1-2018

Term1 APR2 Payment3
36 Months4 3.24% - 16.70%TF $29.19 - $35.50
48 Months 3.24% - 16.49%TF $22.24 - $28.59
60 Months 3.49% - 16.99%TF $18.19 - $24.85
72 Months 3.99% - 18.00%TF $15.64 - $22.81
84 Months 4.24% - 16.99%TF $13.78 - $20.43
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1Depends on loan amount.

2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

4Mortgage Rewards and other discounts not available with this term

Amount Financed: up to 100%

Rates applicable only to loans obtained directly from Rivermark; other rates may apply to Rivermark loans obtained through an auto dealer.

Platinum Visa | Effective Date: 2-1-2018

Credit Tier (FICO score) APR
Excellent (760 or higher) 6.90%
Very Good (759-720) 7.90%
Good (719-690) 9.90%
Fair (689-660) 12.90%
Challenged (659-620) 14.90%
Below Average (less than 619) 17.90%

Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee. Tiered Rates are based on credit qualifications; please contact us for rates and terms specific to your loan request.

Terms & Conditions | Card Agreement and Disclosure

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Rewards Visa | Effective Date: 2-1-2018

Credit Tier (FICO score) Margin APR
Excellent (760 or higher) 6.90% 11.25%
Very Good (759-720) 8.25% 12.75%
Good (719-690) 9.75% 14.25%
Fair (689-660) 12.25% 16.75%
Challenged (659-620) 14.25% 18.75%
Below Average (less than 619) 17.25% 21.75%

Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee. Tiered Rates are based on credit qualifications; please contact us for rates and terms specific to your loan request. Minimum credit line of $5,000 is required.

Terms & Conditions | Card Agreement and Disclosure

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Share Secured Platinum Visa | Effective Date: 2-1-2018

  APR
Share Secured Platinum Visa 10.90%

Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee. Please contact us for rates and terms specific to your loan request.

Terms & Conditions | Card Agreement and Disclosure

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Motorcycle/Personal Watercraft/Snowmobile/ATV - 2017 and Newer | Effective Date: 2-1-2018

Term1 APR2 Payment3
36 Months 4.99% - 13.24%TF $29.97 - $33.81
48 Months 5.24% - 13.49%TF $23.14 - $27.07
60 Months 5.49% - 13.74%TF $19.10 - $23.13
72 Months 5.74% - 13.99%TF $16.45 - $20.60
84 Months 5.99% - 14.24%TF $14.60 - $18.87
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1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications. Please contact us for rates and terms specific to your loan request.

2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 90% Purchase Price, MSRP or High NADA, whichever is less

Motorcycle/Personal Watercraft/Snowmobile/ATV 2011 - 2016 | Effective Date: 2-1-2018

Term1 APR2 Payment3
36 Months 5.49% - 13.74%TF $30.19 - $34.05
48 Months 5.74% - 13.99%TF $23.37 - $27.32
60 Months 5.99% - 14.24%TF $19.33 - $23.39
72 Months 6.24% - 14.49%TF $16.69 - $20.87
84 Months 6.49% - 14.99%TF $14.84 - $19.29
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1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications. Please contact us for rates and terms specific to your loan request.

2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 85% High NADA or Purchase Price, Whichever is Less

Recreational Vehicle/Motorhome/Boat - 2017 and Newer | Effective Date: 2-1-2018

Term1 APR2 Payment3
60 Months 6.49% - 9.74%TF $19.56 - $21.12
84 Months 6.99% - 10.24%TF $15.09 - $16.73
120 Months 7.49% - 10.74%TF $11.86 - $13.63
180 Months 8.49% - 11.74%TF $9.84 - $11.83
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Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request.

1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications.

2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Recreational Vehicle/Motorhome/Boat 2006 - 2016 | Effective Date: 2-1-2018

Term1 APR2 Payment3
60 Months 6.49% - 9.99%TF $19.56 - $21.24
84 Months 6.99% - 10.49%TF $15.09 - $16.86
120 Months 7.49% - 10.99%TF $11.86 - $13.77
180 Months 8.49% - 11.99%TF $9.84 - $12.00
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Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request.

1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications.

2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 80% of Purchase Price or high NADA, whichever is less.

Student Loans | Effective Date: 2-1-2018

Amount Financed Fees APR
$1,000 - $75,000 No Annual Fee, No Cash Advance Fee 6.75% - 7.75% TV1
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1Private Student Loans are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the first business day of the last month of each quarter. Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter, and Interest Rate will never be less than 6.00% or greater than 18.00%.

V Variable Rates. T Tiered Rates. Tiered Rates are based on credit qualifications. Please contact us for rates and terms specific to your loan request.

Personal Loan | Effective Date: 2-1-2018

Amount Financed Term1 APR2 Payment3
$500 - $30,000 Up to 60 Months 7.00% - 15.00%TF $19.80 - $23.79
$30,001 - $75,000 Up to 84 Months 7.00% - 15.00%TF $15.09 - $19.30
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1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications. Please contact us for rates and terms specific to your loan request.

2F Fixed Rates. V Variable Rates. T Tiered Rates. Tiered Rates are based on credit qualifications and use of auto-transfer or ACH payment option.

3Estimated Payment per $1,000 borrowed

Share Secured | Effective Date: 2-1-2018

Amount Financed Term1 APR2 Payment3
Amount on Deposit 60 Months Share Rate + 4.00%V $18.44 (0.05% Share rate, 4.05% APR, 60 Month Term)
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1Repayment terms depends on amount financed. 

V Variable Rates.

3Estimated Payment per $1,000 Borrowed

Certificate Secured | Effective Date: 2-1-2018

Amount Financed Term1 APR2 Payment
Amount on Deposit CD Maturity Date, Up To 36 Months CD Rate + 2.00%F $28.99 (.80% CD, 2.80% APR, 36 Month Term)
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1F Fixed Rates.

2Estimated Payment per $1,000 Borrowed

Business Auto, Van, Pickup, SUV 2017 and Newer | Effective Date: 2-1-2018

Term1 APR2 Payment3
36 Months 3.99% - 12.49%TF $29.52 - $33.45
48 Months 3.99% - 12.74%TF $22.57 - $26.70
60 Months 4.24% - 13.99%TF $18.53 - $23.26
72 Months 4.49% - 15.99%TF $15.87 - $21.69
84 Months 4.99% - 16.99%TF $14.13 - $20.43
Apply Online

1Depends on loan amount.

2F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%

Rates applicable only to loans obtained directly from Rivermark; other rates may apply to Rivermark loans obtained through an auto dealer.

Business Auto, Van, Pickup, SUV 2016 or Older | Effective Date: 2-1-2018

Term1 APR2 Payment3
36 Months 4.24% - 15.99%TF $29.63 - $35.15
48 Months 4.24% - 16.24%TF $22.69 - $28.46
60 Months 4.49% - 16.49%TF $18.64 - $24.58
72 Months 4.99% - 17.49%TF $16.10 - $22.52
84 Months 5.24% - 17.99%TF $14.25 - $21.01
Apply Online

¹ Depends on loan amount.

² F Fixed Rates. T Tiered Rates. Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

Amount Financed: Lesser of Kelley Retail or Purchase Price

Rates applicable only to loans obtained directly from Rivermark; other rates may apply to Rivermark loans obtained through an auto dealer.