Personal Banking
Home Equity Line of Credit

Now Offering

Home Equity Lines of Credit

A Home Equity Line of Credit*, or HELOC, is a line of credit secured by the equity in your home to access cash for large personal expenses such as home improvements, college tuition, or even a new car. This revolving line of credit allows you the flexibility to borrow funds as needed and repay all or some of your balance on a monthly basis.


  • Line amounts of $25,000 –$1,000,000 are available
  • Quick turnaround with just one easy application and a qualifying credit score for lines up to $150,000.
  • Lines are available on rental properties.


  • 0.25% rate discount for automatic payment from an American River Bank account, when established at origination.
  • 0.25% rate discount if the property’s combined Loan-to-Value (LTV) is 50% or less.


Our local Bankers are ready to work with you.  Call your Branch Manager or CLICK HERE to find a branch near you.

*Refer to the Home Equity Line of Credit Application Disclosure for related Terms and Conditions. NMLS# 781770