Rate as low as 5.35% APR. APR = Annual Percentage Rate. For qualified borrowers refinancing owner-occupied primary residences only. 15–30-year fixed-rate terms available; max 80% LTV. Excludes vacation/second homes, investment properties, and existing River Valley Credit Union mortgage loans. Promotion valid 1/30/26–4/30/26. Example: $100,000 loan—30-yr at 5.29% = $554.68/month principal and interest, APR 5.35%, estimated closing costs $1,487; 15-yr at 5.29% = $805.98/month principal and interest, APR 5.36%, estimated closing costs $685. Rates, APRs, estimated payments, and closing costs shown are for example purposes only and may vary based on creditworthiness, loan amount, property value, and other factors. Rates and terms are subject to change. Property insurance required. Flood insurance may be required. Subject to acceptable property appraisal, title search, approval, and additional restrictions.
Introductory rate as low as
6.99% APR* and unlimited rewards!
- No annual fee
- Unlimited Rewards
- Low monthly minimum payment
Schedule an appointment with an MSR about adding Security Overdraft Protection to your checking account.
*Annual Percentage Rate – Rate subject to change daily. Introductory APR, for qualifying members, for a period of 12 billing cycles. See “Rates and Disclosures” below for full details. Submitting a credit card application may result in a credit inquiry, which could impact your credit score.
Scorecard Rewards
Reward Yourself with Merchandise
and Travel Rewards
Scorecard Reward points are shown on your monthly credit card statement.
Scorecard Username & Password Required
Contact Us
Electronic Services
937-859-6260, ext. 2217
Lost or Stolen Credit Cards
1-800-543-5073 (24 hours)
Credit Card Form
Please complete the following form and a
River Valley team member will contact
you at the time you request.
