
[BOR]
0: Safe
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[EOR]
[BOC]
It all depends on the temperature of the water. If the water heats up close to the temperature of your house the benefits would be negligible. In a typical ac set up, the coil in the duct is roughly 20+ degrees cooler than the air going over it. Also in chilled water applications the water is chilled to 45-50 degrees. And a 24v pump would probably not have the volume required to do your entire house. For every 12000 btus you try to remove you need at least 3 gpm of water through your heat exchanger. Your pump would need to be very large. Not to mention that it is most likely illegal to do this in a public creek. Honestly just save up and get a high efficiency ductless unit. They are cheap enough to buy and if you know someone cheap to install. They are very efficient and use a smaller amount of electricity than a normal unit. Source: hvac mechanic. 
[EOC]

0: Safe