The River Bank & Trust is a home equity line of credit from River Bank & Trust. The annual fee is A non-refundable fee of $75.00 will be charged annually. The ongoing APR is 4.99% APR introductory rate for the first 6 months; after that variable, daily; under no circumstances will the APR exceed 18.00% or, except for the discounted period, go below 5.50%.