Thank you for visiting American River Bank. Please note this site is not fully compatible with screen readers.  We are available from 9am-5pm to assist via telephone at (800) 544-0545 or via email at We look forward to serving you.
Rates, fees and policies in the banking industry are changing rapidly. Make sure that you’re getting the most out of your banking relationship with a complimentary Financial Review.

Personal Lines of Credit

A Personal Line of Credit can give you greater buying power when you need it most and the flexibility to cover unexpected expenses.  We offer two options based on your needs.  
Contact us for current rates or to apply. 

Ready Reserve Line of Credit
  • Lines from $1,000 to $7,500
  • No fees
  • Link to checking for automatic transfers and access through your debit card or by check
  • Only pay interest on the funds used
  • Quick and easy application

Executive Line of Credit
  • Lines from $10,000 to $50,000
  • 5 year term
  • Executive Line checks available
  • $500 Set-up Fee
  • $200 Annual Fee
  • Minimum payment: 2% of outstanding balance or $50