Turn Your Home’s Value Into Cash
Need money for big expenses like home renovations, tuition, or debt consolidation? A home equity loan from River Valley Credit Union lets you borrow against the value of your home — often at a lower rate than credit cards or personal loans.
What Is a Home Equity Loan?
When you own a home, you build equity — the difference between what your home is worth and what you still owe. A home equity loan lets you borrow a portion of that equity in a lump sum and pay it back over time with fixed monthly payments.
Why Use a Home Equity Loan?
- Lower Interest Rates – Usually cheaper than credit cards or unsecured loans
- Large Borrowing Power – Use your home’s value to fund major expenses
- Fixed Payments – Predictable monthly payments that fit your budget
- Flexible Use – Great for remodeling, college costs, medical bills, or debt payoff
Is It Right for You?
A home equity loan could be a smart option if you:
- Own your home and have built up some equity
- Need access to a larger amount of money
- Want steady monthly payments at a fixed rate
Ready to Use Your Equity?
Apply for a Home Equity Loan Now or contact us at 616-787-7481 to learn more.
| Under 80% LTV | 80-90% LTV | Under 80% LTV | 80-90% LTV |
|---|---|---|---|
| as low as 6.00% APR | as low as 7.00% APR | as low as 6.95% APR | as low as 7.95% APR |
| Term: 60 months or less | Term: 60 months or less | Term: 61 – 120 months | Term: 61 – 120 months |
Questions?
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*Restrictions Apply. The interest rate may be higher or lower depending on credit history.
Rates as of 04/18/2026
River Valley Credit Union is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.