Online Banking

Line of Credit

Be prepared for any project, emergency, or last minute need for funds by having a Line of Credit. A set dollar limit is allotted, giving you the ability to take the funds whenever needed. Interest will only be charged on the amount used.

Apply online, stop in, or call (616) 406-2480 and press 6 to apply over the phone.

Unlimited, 24/7 access via our Electronic Services to:

  • Transfer funds
  • Obtain balance information
  • Make loan payments
  • Check history

Line of Credit Ratings & Reviews

Apply Online Today!

Quick Tips & Info

  • No collateral required
  • Great to have for unexpected emergencies
  • LOC does have a variable rate
  • Consider the maximum monthly payment you may have to make for your budget
  • As you pay money off what was used on the LOC, it becomes available for your use again
  • Keep the balance at 50% of your available amount to help keep your credit rating good
  • Ability to set this up as Overdraft Protection for your checking account.  Then if you do not have the funds available in your accounts to cover a check, it will take it off your Line of Credit and pay the check. This will also avoid Non-Sufficient Fund fees.
  • When set up for Overdraft Protection from LOC there is only a $4 transfer fee compared to a $25 Non-Sufficient Fund fee or Courtesy Pay fee
  • Debt Protection available which includes unemployment, life and disability
  • Transfer funds, obtain balance information, make loan payments and check history 24/7 with our free and easy to use Electronic Services: Online Banking, Mobile Text Banking, Telephone Banking, or visit an ATM

Contact Us

Email:
info@rivertowncu.org

Phone:
616.406.2480
800.821.0972

Fax:
Grandville Location: 616.531.3670
Wyoming Location: 616.247.0443
 

Lost/Stolen Cards:
Visa Customer Service – 1.866.820.4892
MasterCard Debit Lost/Stolen – 888.241.2510

Re-Order Checks:
800.355.8123

Routing Number:
272486203

NCUA