Get a Home Equity Line of Credit and keep your low rate.
Renovate your home, consolidate high-interest debt, or fund what matters most. A HELOC gives you flexible access to your equity while your mortgage stays exactly where it is.
Put Your Equity to Work
Home Renovations
Kitchen remodel? Bathroom upgrade? Transform your space without selling or refinancing. Keep your low mortgage rate and upgrade your home.
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Debt Consolidation
Trade high-interest credit card rates for one lower monthly payment. Simplify your finances and free up cash flow.
Education & Investment
Fund tuition semester by semester at rates lower than Parent PLUS loans. Or finance improvements to a rental property.
Get a Home Equity Line of Credit and keep your low rate.
A HELOC works like a credit card secured by your home. During the 10-year draw period, you can borrow what you need, pay it down, and borrow again. You only pay interest on what you actually use.
After the draw period, your balance converts to a 15-year repayment term with predictable monthly payments. And you can pay down or pay off your balance early without penalty.
* HELOC interest may be tax deductible if funds are used to buy, build, or substantially improve your home. Consult your tax advisor for details specific to your situation.
The Five Rivers Advantage
Rapid Response
Local lending authority means faster decisions.
Direct Access
Work with experienced banking leaders who understand your needs.
Fair & Flexible
Transparent fees, no rigid rules — real partnership that works with you.
Proactive Solutions
We work with your accountant and partners to solve financial hurdles.
Smarter Banking
Advanced financial management makes banking simple and efficient.
Frequently Asked Questions
We start with curiosity by asking questions, listening, and learning about the details that make your business unique. From there, we pair that knowledge with our banking expertise and provide meaningful solutions. Our promise is simple: the better we understand your industry, the better we can walk beside you with guidance and solutions that support your growth.
You can expect a true partnership. You bring your financial goals and questions; we bring expertise, tools, and guidance. By staying open and proactive together, we build a relationship rooted in trust and accessibility.
Protecting your hard-earned money is our top priority. If your balances grow beyond FDIC coverage, our team will work with you to ensure your funds remain protected and structured wisely.
At Five Rivers Bank, we don’t just manage money, we build relationships. You’ll experience direct access to decision-makers, and a team that sees your success as our success. We are locally owned and managed and because we believe in supporting the communities we serve. That’s the difference: we’re banking on you, and if you're successful, we're successful.
Our goal is to provide you with a full range of services to help you manage your personal and business finances conveniently and securely.
For Individuals:
- Personal Checking – Simple, flexible accounts for everyday banking.
- Personal Savings – Secure savings with competitive rates to help your goals grow.
- Money Market Accounts – Tiered interest savings with easy access when you need it.
- Certificates of Deposit (CDs) – Fixed-rate options for steady, dependable growth.
For Businesses:
- Business Checking – Accounts tailored for businesses of all sizes.
- Business Savings – Safe, interest-earning options for managing reserves.
- Specialized Accounts – Solutions for nonprofits, professional firms, and industry-specific needs.
Every goal has its own story and we believe financing should fit the chapter you’re in. That’s why we offer a wide range of personal and business financing solutions, from flexible loans to growth-focused options. We take the time to understand your goals, then build a financing plan that helps you move from vision to reality.
Get Started
Do you qualify? Get a quick check, without impacting your credit score.