Lean into your home's equity with a Home Equity Line of Credit! Whether for home renovations, debt consolidation, or planning a dream vacation, HELOCs are a great way to pay for life's projects.

 For a limited time, we're offering a 4.99% APR* 12-month introductory rate when you open a HELOC at Rivertown Credit Union! Don't miss out on this amazing opportunity to tap into the potential of your home's equity. Stop by any of our branches or call a Member Service Representative at 616.406.2480 to learn more!

Here’s the deal: *APR = Annual Percentage Rate. The promotional period begins March 1, 2025. The introductory rate applies to new Home Equity Lines of Credit (HELOC) only. The rate offered will depend on the applicant's creditworthiness. All rates are subject to applicable loan term limits and certain restrictions may apply. The rates are subject to change without prior notice. The initial rate for the HELOC low introductory rate promotion is a fixed rate not based on the index and margin used for subsequent rate adjustments. The Introductory Annual Percentage Rate (APR) of 4.99% APR fixed is for home equity line of credit accounts only and applies to balances on the first twelve monthly statement cycles after the loan open date and which changes to a variable APR as low as 4.99% at the end of the introductory period. To receive this rate, the application must be submitted between March 1, 2025 and December 31, 2025 , and the loan must close within 30 days of the application date. After the introductory period, the APR can vary and is based on Prime Rate plus a margin of +0.50% to +2.50% based on credit rating. The APR is subject to change on the 10th of each month, based on changes to Prime Rate, the highest Prime Rate published in the Wall Street Journal “Money Rates” table on the 20th of the prior month. Minimum APR 3.50%, maximum APR 18.00%. The maximum loan term available is a 5-year draw with a 10-year principal and interest repayment period. Max combined loan-to-value for HELOC is up to 80% for applicants with credit scores of 590+. HELOC qualifies for introductory rate with a minimum credit line of $20,000 and a loan amount of $5,000 taken at closing. During the draw period, you may withdraw (advance) funds up to your credit line limit and pay amortized principal and interest payments on the outstanding balance monthly. After the draw period, you may not withdraw any more funds from the line, you will continue to pay the amortized principal and interest monthly. Offer not applicable on refinance of existing Rivertown Credit Union or any division of Ignite Credit Union HELOCs. There are no loan processing or early closure fees and no prepayment penalty. The borrower is responsible for the cost of appraisal, if required. Rivertown Credit Union does not offer escrow services. The minimum payment required is interest only or $100, whichever is greater. Rates, terms, and conditions are subject to change without notice. For full promotional details, visit our website at rivertowncu.org or call us at 616.406.2480.

Thank you for being a valued member! For a limited time, Rivertown members can add an additional 0.25% APY* on our current Certificate of Deposit rates or take .25% APR* off our current Auto/Motorcycle, Recreational, or Personal Loan rates. Stop by any of our branches or give us a call at 616.406.2480 to learn more!

Here’s the deal: *The 0.25% Annual Percentage Yield (APY) increase applies only to new Certificates of Deposit (CDs). The APY stated is accurate as of 3/5/25 and will remain fixed for the full term of the CD once opened. However, rates for new CDs are subject to change at any time before account opening. Minimum deposit requirements may apply. The 0.25% Annual Percentage Rate (APR) discount applies only to new Auto, Motorcycle, and Recreational Loans. Excludes credit cards and mortgage loans. All loans are subject to credit approval, and rates vary based on creditworthiness and term length. Example Loan Repayment Scenario: A $10,000 auto loan at 6% APR for 60 months results in $193.33 monthly payments. These promotional rates are available for a limited time and are subject to credit approval and eligibility. Rivertown Credit Union is an Equal Housing Lender. Deposits are federally insured by NCUA.

For a limited time, members can enjoy a 12-month introductory rate of 0% *APR on all funds balance transferred to a Rivertown Credit Union VISA® Credit Card! By combining multiple debts into one payment, you can simplify your monthly budgeting, reduce the stress of juggling various due dates, and save money on interest! Apply today for the opportunity to transfer your high-interest credit card balances and take control of your financial future!

Here’s the deal: *APR = Annual Percentage Rate. Promotional 0% APR balance transfer offer valid between 1/6/25 and 3/31/25. The 0% APR applies to balance transfers only and is valid for 12 months from the date of the first balance transfer. After the 12-month introductory period, the APR will revert to the standard fixed APR for balance transfers, which is a fixed rate of 8.90% APR for the Platinum VISA® Credit Card or 10.90% APR for the Classic VISA® Credit Card. No balance transfer fees apply. Subject to credit approval. Terms and conditions apply. Contact us at 616.406.2480 for more details.    

For a limited time, earn 4.00% APY* on a 4-month Certificate of Deposit at Rivertown Credit Union! Whether you're saving for something special or simply looking to grow your money a bit faster, this is a great opportunity to get started.

Here's the deal: *APY = Annual Percentage Yield. APY is accurate as of February 1, 2025. Fees may reduce earnings. To receive the promotional rate of 4.00% APY, the 4-month CD must be opened with a minimum of $500. Rates are subject to change without prior notification. Penalties will apply for withdrawal before the maturity date of the CD. Dividends are posted monthly. Limited time offer. Federally insured by the NCUA. Call 616.406.2480 for more information.

Paying high interest on your current auto, boat, or RV loan? Refinance with Rivertown Credit Union today and save up to 2% APR*! Stop by any of our branches or give us a call at 616.406.2480 to apply today! 

Here's the deal: *APR = Annual Percentage Rate. This offer applies only to auto, boat, and recreational vehicle (RV) loans. This offer excludes existing loans from Allegan Credit Union, Rivertown Credit Union, or BlueOx Credit Union, divisions of Ignite Credit Union, YouTurn loans, credit cards, or mortgages. A minimum interest rate of 6.44% APR applies, with other rates based on creditworthiness. All loans are subject to credit approval. Rivertown Credit Union, a division of Ignite Credit Union, is an Equal Opportunity Lender. Federally insured by the NCUA. Give us a call at 616.406.2480 for more details.