River Trace Federal Credit Union

River Trace Federal Credit Union is a NCUA insured federal credit union headquartered at 6011 STAPLES MILL RD, RICHMOND, VA 23228.
It was founded in 1956 and has approximately $17 million in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - April 30, 2025

Featured Home Equity Rates

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-04-10

  Intro APR: 7.400 % After Intro:7.400 %

  $15,000

  Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-04-30

  Intro APR: 7.400 % After Intro:7.400 %

  $15,000

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2025-04-30

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-04-18

  Intro APR: 6.490 % After Intro:7.750 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5] Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2025-03-31

  Intro APR: 8.750 % After Intro:8.750 %

  $0

  Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640 Learn More

• Upstart NMLS ID: 2443873 / Updated 2025-04-30

  As low as 6.3% APR on your initial draw*

  $0

  As low as 6.3% APR on your initial draw* Get your money up to 6x faster than the industry standard* Fixed rate on each draw* No paperwork needed to apply Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2025-04-30

  The leader for homeowners tapping cash from their homes since 2016.

  $0

  Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2025-04-30

  Get up to $500k with no monthly payments, ever.

  $0

  No income requirements or need for perfect credit Your home wealth, to use your way Find out if you qualify in as little as 60 seconds Home Equity Investments are not considered a loan in all states Learn More

• New American Funding, LLC NMLS ID: 6606 / Updated 2025-04-30

  Cash-Out and Home Equity Options Available.

  $0

  Competitive Rates for FICO Scores 580-679 366k+ positive reviews, A rating from the BBB Pay off higher interest rate credit cards, Pay college tuition 100% online mortgage application available Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2025-04-30

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2025-04-30 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$400k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• PenFed Credit Union NMLS ID: 401822 / Updated 2025-04-30 Equal Housing Lender

  Home Equity Line of Credit - Equal Housing Lender

  $0

  Home Equity Line of Credit - Equal Housing Lender Loans Amounts from $25,000 - $500,000 Get a HELOC from PenFed to Put Your Home Equity to Work HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2025-04-30

  Unlock Your Home's Potential

  $0

  Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans Learn More

• District Lending NMLS ID: 598623 / Updated 2025-04-30

  No Lender Fees

  $0

  No Lender Fees Fast Easy Over 20 Years Experience Learn More

• Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Pure Rate Mortgage NMLS ID: 2578474

  6.356%

  $1,971 Fees & Points $3,610 Total 0.800 Pts ($2,560) $1,050 Fees

  Pure Rate equals Pure Savings We provide real-time access to premier wholesale lenders Delivering wholesale pricing instantly Learn More

• Green Lending, LLC NMLS ID: 2598612

  6.450%

  $1,997 Fees & Points $2,728 Total 0.537 Pts ($1,718) $1,010 Fees

  Personalized mortgage solutions designed for your lifestyle. Expert advice and support every step of the way. Simplifying the mortgage process so you can focus on living. Learn More

• Advantage Lending NMLS ID: 2592312 License#: RM.805266.000

  6.458%

  $1,997 Fees & Points $2,800 Total 0.875 Pts ($2,800) $0 Fees

  Boutique mortgage broker providing personalized service and great rates. We automate our back office tasks, not customer communication. We close loans in as little as 10 days. Learn More

• Cornerstone Capital Lending NMLS ID: 2627028

  6.499%

  $1,997 Fees & Points $4,243 Total 0.925 Pts ($2,960) $1,283 Fees

  Loan options for all kinds of situations. Home loans, Investor loans, DSCR. Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.577%

  $2,021 Fees & Points $2,886 Total 0.902 Pts ($2,886) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  6.578%

  $2,021 Fees & Points $2,934 Total 0.917 Pts ($2,934) $0 Fees

  See how much cash an easy refi can give you. Increase your ROI, renovate or roll in it! Tap into your equity with a Beeline Refi. Apply Online in 15 minutes. Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.596%

  $2,021 Fees & Points $3,551 Total 0.891 Pts ($2,851) $700 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• PenFed Credit Union NMLS ID: 401822

  6.692%

  $2,023 Fees & Points $6,400 Total 1.000 Pts ($3,200) $3,200 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• West Capital Lending NMLS ID: 1566096

  6.761%

  $2,049 Fees & Points $4,515 Total 0.864 Pts ($2,765) $1,750 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• Sebonic NMLS ID: 66247

  6.811%

  $2,076 Fees & Points $2,006 Total 0.627 Pts ($2,006) $0 Fees

  Whether it's time to buy or refi, we're here to help you take the next step. The home financing you need at the speed you deserve Learn More

• Rocket Mortgage NMLS ID: 3030

  7.451%

  $2,211 Fees & Points $2,400 Total 0.750 Pts ($2,400) $0 Fees

  A+ Rating with the Better Business Bureau Highest in Customer Satisfaction in the US Calculate Your New Payment for Free Today Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  Fees & Points Total Pts ($0) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews Learn More

• Freedom Mortgage Corporation NMLS ID: 2767

  Fees & Points Total Pts ($0) $0 Fees

  We approve credit scores as low as 550 for VA and FHA refinancing Family-owned, 35+ years of cash out assistance A top FHA and VA lender Learn More

• Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

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