Line of Credit

Apply Now Questions?

Applications are worked during business hours Mon - Fri 8:30am - 5pm

A line of credit is like getting pre-approved for a loan that you can use any time you'd like. Pretty convenient, that's for sure. You only pay interest on what you use, if and when you use it. You can keep re-using the line without re-applying.


  • Get pre-approved 
  • Use as needed
  • Pay interest only on what you use
  • Can be used as automatic overdraft privilege
  • Local service, local decisions
  • No need to re-apply
  • Low, competitive rates
  • Easy application process
  • Loan insurance coverage available

Check out our current interest rates.

Loan Insurance

Loan protection is a low cost way to protect your investment and your family's future. Loan protection insurance costs pennies per month and gives you peace of mind knowing your loan payment will be paid if you lose your life or become totally disabled due to a covered illness or accident.

For maximum convenience, the low premium is included in your regular payment. There is no need to worry about an additional due date, and no extra checks to write. The cost is minimal and you pay only for the exact amount of protection you need—no more, no less. Loan protection insurance is available on most loans from Red River up to $150,000.

Credit Life & Disability Insurance

Are you planning for the unexpected?

Credit Life and Disability Insurance

Credit Life and Disability Insurance pays the outstanding balance on your loan up to the maximum program limit, allowing you to preserve your other assets and resources for your family's well-being and long-term needs.

Applying is easy.
  • You complete a short application.
  • No physical exam is required.
  • Simply meet the eligibility requirements.
  • The premium is included in your monthly payment.
It's flexible and affordable.

You pay only for what you need. If the outstanding balance is zero, you pay nothing for that month. When there is an outstanding balance, your Credit Life Insurance premium is calculated based on that amount. As your balance is paid down, the premium diminishes, too.

Protecting your rights.
  • Your credit approval and interest rate are not contingent on enrolling in this optional program.