Tap into the value of your home to have a revolving line of credit for things like home remodels and additional large projects. Much like a Home Equity loan, with a Home Equity Line of Credit (HELOC), you draw off of the equity you've built into your home at the speed in which you need the funds!* So why choose a HELOC vs. a traditional Home Equity loan?* Below is a small list of uses...

  • Home Improvements - you don't have a set budget and are planning to make a variety of small improvements
  • Flexibility - you want the flexibility of a revolving line as opposed to a closed-end term loan
  • Tuition - your child(ren) is graduating from high school and you'd like to help cover the cost of their next move
  • Unexpected or Emergency Fund - have the piece of mind with an emergency fund waiting for you whenever you need it

HELOCs with River City FCU are easy! Draws on your line can be done over the phone or at your favorite branch.


Apply online for your HELOC today, give us a call at (210) 244-2505 or visit your nearest River City FCU branch!


*Minimum draw amount is $4,000.00. HELOCs are typically not used for debt consolidation or vehicle purchases; for loan solutions for these situations, please contact the Credit Union.

Becoming a River City member just got easier! Apply online, in branch, or by phone.


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Home Equity Line of Credit 1st or 2nd Lien APR*
10 years 5.75% to 6.80%


*APR stands for Annual Percentage Rate. The APR is based on the Prime Rate as published in the Wall Street Journal (as of the last day of the previous month). All loans are subject to approval; your rate will vary based on credit performance. Loan rates are in effect as 1st day of each month, and subject to change without prior notice. Your variable APR may increase or decrease monthly. The minimum APR at any time is 4.50%. The maximum APR at any time is: (i) the sum of your initial interest rate plus 6.75 percentage points (6.75%); or (ii) 18.00%; whichever is less. Other than the minimum and maximum APR that can apply at any time to this account, your interest rate cannot increase or decrease by more than 1.25 percentage points (1.25%) during each calendar year. Rates apply to new Home Equity Loans or Home Equity Loans refinanced from other institutions.

HELOCs are available on your primary residence only. Loan amounts range from $10,000 to $400,000. Home Equity Lines of Credit have a 10 year draw period with a 10 year repayment time-frame. The minimum draw amount is $4,000.  The HELOC Minimum Payment Requirements: Your minimum monthly payment will be calculated after each credit advance and will be the greater of  $75.00 or 1.2% of the principal balance plus interest. NMLS# 680740.

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