{"id":4142,"date":"2025-04-25T16:30:13","date_gmt":"2025-04-25T20:30:13","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/?page_id=4142"},"modified":"2026-03-10T09:03:04","modified_gmt":"2026-03-10T13:03:04","slug":"rbc-credit-access-line","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-credit-access-line","title":{"rendered":"RBC Credit Access Line"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm  rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-mlsappo2d hide-mobile-energy-lines text-center\"><style>\n\t\t.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-mlsappo2d .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-mlsappo2d.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-mlsappo2d.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-12 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>RBC Credit Access Line<\/span><\/h1><\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap undefined\"><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block has-primary-background-color has-background b-primary\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row justify-content-between wrap blockId-0d038490-3ae0-4237-96d9-6b4bc77e5ef4\">\n<div class=\"wp-block-rbcwm-column col-lg-9\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<h4 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-8552c6ab68686d2866601844dff75246\" id=\"h-promotional-rates-on-fixed-rate-loans-offered-march-10-through-april-17-2026\"><strong>Promotional rates on fixed rate loans \u2013 Offered March 10 through April 17, 2026<\/strong><\/h4>\n\n\n\n<h5 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-e2f8d407498c119c07c25604b824a95a\" id=\"h-here-s-how-it-works\">Here\u2019s how it works:<\/h5>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-76dfc0ef729861676a8f783870074a5d\">RBC Credit Access Line\u2019s fixed-rate options allow you to lock in rates for a set term. At the end of the term, you have the option to either pay down the outstanding credit advance or have the remaining balance roll to a variable term or new fixed-rate term effective that day\u2014subject to the rates at that time.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-38ed4744d6d54a20c97ca52824a31280\" id=\"h-promotional-rates\">Promotional rates*<\/h5>\n\n\n\n<div class=\"wp-block-rbcwm-columns container-fluid\"><div class=\"row blockId-a4343e23-b199-4184-abf1-e31d489a3b74\">\n<div class=\"wp-block-rbcwm-column col-lg-8\">\n<figure class=\"wp-block-rbcwm-table #FFFFFF\"><table class=\"table-transparent table-compact table-border-horizontal table-border-vertical table-flush-x\"><thead><tr><th class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">Term<\/th><th class=\"has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"left\">Rate<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\"><strong>1-Year<\/strong><\/td><td class=\"has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"left\">4.95% (5.02% APR)<\/td><\/tr><tr><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\"><strong>3-Year<\/strong><\/td><td class=\"has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"left\">4.85% (4.92% APR)<\/td><\/tr><tr><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\"><strong>5-Year<\/strong><\/td><td class=\"has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-left has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"left\">4.90% (4.97% APR)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-4\"><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-footnote has-white-color has-text-color has-link-color wp-elements-6aa7a8dde6530b166c721d2fc63280cf\">*Promotional Annual Percentage Rates (APRs) are as of March 10, 2026, and are subject to change. The interest rate to which a fixed-rate advance is subject does not change during its term.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-e6c4882cca16393786cb27e4b021aecc\" id=\"h-additional-details\">Additional Details: <\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-white-color has-text-color has-link-color wp-elements-545ad32605bba1530f92a892f059f96f\">Promotional rates are only available March 10 through April 17, 2026.<\/li>\n\n\n\n<li class=\"has-white-color has-text-color has-link-color wp-elements-875caf68091a81e1ad8e7ac0e4680cfe\">Advances after April 17, 2026, are subject to the same base rate and margin, per the terms of your loan agreement.<\/li>\n\n\n\n<li class=\"has-white-color has-text-color has-link-color wp-elements-7d9fae8030da27bebe5e2d8c6049ce91\">Any variable rate credit advances of $25,000 or more taken on or after March 1, 2026, are eligible to be converted to a fixed-rate advance and receive the promotional rate. Any variable rate advances taken before March 1, 2026, are not eligible for the promotional rate.<\/li>\n\n\n\n<li class=\"has-white-color has-text-color has-link-color wp-elements-291d2913dbeea99e4269d14cb805b80e\">Fixed-rate advances may be subject to breakage fees should the advance be paid down early or repayment is demanded due to maintenance requirement violations.<\/li>\n\n\n\n<li class=\"has-white-color has-text-color has-link-color wp-elements-6a320476b86ee328b048a5d703545c2d\">$25,000 minimum new fixed-rate credit advance requirement.<\/li>\n\n\n\n<li class=\"has-white-color has-text-color has-link-color wp-elements-7c5a69d123b5e44d9882ebaf55001b64\">Securities-based loans may not be appropriate for everyone and have risks associated, including the risk of having to repay your loan or add collateral if maintenance requirements are not met. Please speak with your financial advisor to determine if a securities-based loan is appropriate and see below for additional disclosures.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row justify-content-between wrap blockId-0d038490-3ae0-4237-96d9-6b4bc77e5ef4\">\n<div class=\"wp-block-rbcwm-column col-lg-8\">\n<p>RBC Credit Access Line is a securities-based, demand line of credit offered by Royal Bank of Canada and RBC Bank (Georgia), N.A., Equal Opportunity Lenders and bank affiliates of RBC Capital Markets, LLC. Subject to Credit Approval. Securities-based loans involve special risks and are not suitable for everyone. You should review the provisions of the RBC Credit Access Line agreement and related disclosures, and consult with your own independent tax and legal advisors about any questions you have prior to using RBC Credit Access Line. Considerations should be given to loan requirements, portfolio composition and diversification, time horizon, risk tolerance, portfolio performance expectations, and individual tax situations. <strong>There are important risks associated with securities-based loans that you should consider:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You will be required to deposit additional cash or securities, or pay down the line of credit, should the value of your securities decline below the percentage equity you must maintain or the percentage equity you must maintain increase. During a market downturn in which the securities in your portfolio decline in value, the percentage equity you must maintain will cause your losses to be greater than if there were no loan against your portfolio. Your losses can exceed your original collateral amount.&nbsp; &nbsp;<\/li>\n\n\n\n<li>You are not entitled to an extension of time to satisfy equity percentage requirements.<\/li>\n\n\n\n<li>Should you be unable to maintain the required percentage equity, some or all of your securities may be sold without prior notice to you. In the event of such a sale, you will not be entitled to choose which securities are sold, your long-term investment strategy may be interrupted and you will be responsible for all resulting fees and tax consequences.<\/li>\n\n\n\n<li>Royal Bank of Canada may increase equity percentage requirements at any time without prior notice to you and may require you to pay down your line of credit, in part or in full, at any time and for any or no reason.<\/li>\n\n\n\n<li>The rates, terms and conditions of your RBC Credit Access Line are subject to change in accordance with the terms of the RBC Credit Access Line agreement.<\/li>\n\n\n\n<li>Should the rate of your RBC Credit Access Line be set to float against an index, you will be subject to greater interest costs in a rising interest rate environment.<\/li>\n<\/ul>\n\n\n\n<p><strong><strong>RBC Credit Access Line is a non-purpose facility. The proceeds of an RBC Credit Access Line may not be used to purchase, trade, or carry margin stock or repay a margin debt that was used to purchase, trade, or carry margin stock. Royal Bank of Canada may demand repayment of all proceeds of RBC Credit Access Line advances that it has reasonable basis to believe were used to purchase or carry margin stock.<\/strong><\/strong><\/p>\n\n\n\n<p>RBC Wealth Management, a division of RBC Capital Markets, LLC, is a registered Broker-Dealer, Member FINRA\/NYSE\/SIPC, and is not a bank.&nbsp;Where appropriate, RBC Capital Markets, LLC has entered into arrangements with Royal Bank of Canada and RBC Bank (Georgia), N.A. to help facilitate and service your RBC Credit Access Line. Neither RBC Wealth Management, nor its affiliates or employees provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC Wealth Management or its affiliates or employees should be construed as legal, accounting or tax advice.<\/p>\n\n\n\n<p>Visit the <a href=\"\/en-us\/legal\/ny-credit-branch-privacy\">RBC New York Credit Branch Privacy Notices<\/a>&nbsp;and <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-bank-georgia-privacy-notices\">RBC Bank (Georgia), N.A. Privacy Notices<\/a> pages for more information.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey rbc-footer-footnotes rbc-block-small has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row wrap blockId-15f0b13c-8892-405c-99e1-3e0e98983ef8\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<p class=\"is-style-caption has-dark-grey-color has-text-color\"><strong>Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.<\/strong> <\/p>\n\n\n\n<p class=\"is-style-caption has-dark-grey-color has-text-color\"><strong>RBC Wealth Management, a division of RBC Capital Markets, LLC, registered investment adviser and Member <a href=\"https:\/\/www.nyse.com\/index\">NYSE<\/a>\/<a href=\"https:\/\/www.finra.org\/\">FINRA<\/a>\/<a href=\"https:\/\/www.sipc.org\/\">SIPC<\/a>.<\/strong><\/p>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":42,"featured_media":0,"parent":59,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"legal\/rbc-credit-access-line","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-4142","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - 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