HOME EQUITY LOAN
 6.50% APR*
FIXED FOR 15 YEARS
- minimum loan amount $25,000.00
- maximum loan amount $100,000.00
*Annual Percentage Rate (APR). 15 Year Fixed Rate Home Equity Loan requires 12 payments of $86.20 per $1,000 borrowed. Minimum amount $25,000. Maximum Loan Amount $100,000. Loan on property 80% of value if first mortgage is with River Works Credit Union or 75% if first mortgage is with another financial institution. Additional fees may apply. *Annual Percentage Rate (APR) requires automatic payment from River Works Credit Union checking account. Existing River Works Credit Union Home Equity Loans not eligible.
FREE CHECKING FOR BUSINESSES!!!
 $500. MINIMUM TO OPEN ACCOUNT
$500. MONTHLY MINIMUM BALANCE REQUIRED
$8.00 FEE IF MONTHLY MINIMUM IS BELOW $500.
TOTALLY "FREE" TRANSACTIONS
FREE ONLINE ACCESS
FREE BILL PAYER
FREE DEBIT CARD
YOUR BUSINESS IS OUR BUSINESS
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Home Equity Line
FIXED FOR 3 MONTHS
1/2 BELOW PRIME FOR THE LIFE OF THE LOAN
NO CLOSING COST WITH IMMEDIATE DISBURSEMENT OF $25,000.00 OR GREATER
*Annual Percentage Rate. Maximum LTV 75%. Owner occupied 1-4 family properties. Lender Title Insurance may be required on amount of $75,000.00 and above. After 3 months, the APR* will be equal to the Prime Rate as published in the Wall Street Journal before the beginning of each billing cycle less 1/2%. Prime Rate as of 1/30/08 is 6.00%. Adjustable Rate Loan. Rate subject to change without notice.
ATM/DEBIT MASTERCARD
FREE POINT OF SALE TRANSACTIONS
FREE ON-US ATM TRANSACTIONS
HOME BANKING
MANAGE YOUR FINANCES ON LINE 24/7
CHECK YOU BALANCES, TRANSFER FUNDS BETWEEN ACCOUNTS, PAY YOUR BILLS ON LINE, AND MUCH, MUCH MORE....
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