HOME EQUITY LINE OF CREDIT

Home Equity Line of Credit

Annual Percentage Rate2

Minimum Line of Credit

Home Equity Line of Credit

Prime Minus 0.50%
to Prime Plus 7.50%
(minimum floor 3.75%)
(maximum ceiling 10.75%)

$10,000

 

HOME EQUITY LOANS

Home Equity Loans

Annual Percentage Rate3

Minimum Loan Amount

60 months

4.25% to 5.75%

$10,000

84 months 

4.75% to 6.25%

$10,000

120 Months 

5.25% to 6.75%

$10,000

180 Months 

5.75% to 6.50% 

$10,000

 

PERSONAL LOANS

Personal Loans

Annual Percentage Rate

Minimum Loan Amount

24 Months

12.50% to 15.75%

N/A

36 Months

13.25% to 16.25%

N/A

42 Months 

15.25% to 17.25%

N/A 

 

Security Only Loans4

36 Months

5.75% to 8.50%

Up to 110% NADA Value-limitations apply

 48 Months

 6.00% to 8.75%

Up to 110% NADA Value-limitations apply

 60 Months

 6.25% to 8.25%

Up to 110% NADA Value-limitations apply

 66 Months

 6.50% to 8.50%

Up to 110% NADA Value-limitations apply

 

SHARED SECURED LOANS

Shared Secured Loans

Annual Percentage Rate

Conditions

120 Months

3% Above Deposit Rate

N/A

 

VISA CARDS

VISA Cards

Annual Percentage Rate

Limits and Conditions

 Blue

17.25% Variable 

$500 to $3,000 

 Black

8.75% Variable 

$5,000 to $20,000 

Classic

13.50% Variable

$500 to $5,000

Platinum

11.50% Variable

$5,000 to $20,000

 

BOATS/ RV'S/ MOTORCYCLES

Boats/RV's/Motorcycles

Annual Percentage Rate

Conditions

60 Months

9.75% to 16.75%

80% of Retail

 66 Months

10.25% to 17.25% 

80% of Retail

72 Months

10.75% to 17.75%

80% of Retail

 

NEW & USED AUTO LOANS

New and Used Auto Loans (approximate term)

Annual Percentage Rate

Conditions4

48 Months

5.80% to 12.80%

Up to 115% NADA Value limitations apply

60 Months

5.30% to 12.30%

Up to 115% NADA Value limitations apply

66 Months

4.30% to 11.30%

Up to 115% NADA Value limitations apply,
Minimum $15,000

72 Months

3.80% to 10.80%

Up to 115% NADA Value limitations apply,
Minimum $20,000

84 Months

3.30% to 10.30%

Up to 115% NADA Value limitations apply,
Minimum $25,000

 

1 - All rates, except fixed rate certificates of deposit, are subject to change after the account is opened. You must maintain the minimum balance listed in the account disclosure, if any, to earn the advertised Annual Percentage Yield (APY). Fees may reduce earnings on accounts. A penalty will be imposed for premature withdrawal from Certificates of Deposit. Personal accounts only. Rates stated are accurate through 4/26/2013.

2- The Annual Percentage rate (APR) for this Home Equity Line of Credit is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum line amount is $10,000.  Loan to value not to exceed 80% of tax assessed value. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. No Annual Fees. Consult a tax advisor regarding the tax deductibility of interest. Maximum possible APR is 24%. Minimum possible APR is 4%. Property insurance is required which includes, as required, flood insurance. Other restrictions may apply.

3- Home Equity Loans minimum loan amount is $10,000. Loan to value not to exceed 80% of tax assessed value. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. Property insurance is required which includes, as required, flood insurance. Other restrictions may apply.

4- Limitations on NADA value based on credit score of applicant.

CHECKING ACCOUNTS

Checking Accounts

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

Basic Checking

$25.00

N/A

0.00%

0.00%

Monthly

Preferred
Checking

$100

$200 Average
Daily Balance

0.10%

0.10%

Monthly

Choice Plus Checking

$100

$300 Average
Daily Balance

Tier 1 $0.00 to $2,500

Tier 2 Over $2,500

Tier 1 - 5.05%

Tier 2 - 0.10%

Tier 1 - 4.94%

Tier 2 - 0.10%

Monthly


SAVINGS ACCOUNTS

Savings Accounts

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

Regular Share

$25

$200

0.15%

0.15%

Monthly

Tiered Savings

$25

$0.00 to $999.99

0.15%

0.15%

Monthly

 

 

$1,000 to $4,999.99

0.20%

0.20% 

Monthly 

 

 

$5,000 to $9,999.99

0.25%

0.25% 

Monthly 

 

 

$10,000 to $49,999.99

0.30%

0.30%

Monthly 

 

 

$50,000 to
$99,999.99

0.35%

0.35%

Monthly

 

 

$100,000
and up

0.40%

0.40%

Monthly

Christmas Club

N/A

N/A

0.15%

0.15%

Monthly

Vacation Club

N/A

N/A

0.15%

0.15%

Monthly

IRA

N/A

N/A

.95%

.95%

Monthly

Kirby Account

 

N/A

Up to $5,000

2.01%

2.00%

Monthly

 

$5,000
and up

.15%

.15%

Monthly


HORIZON MONEY MARKET

Horizon Money Market

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

$2,000 to $4,999.99

$100

$2,000

0.25%

0.25%

Monthly

$5,000 to $9,999.99

$100

$5,000

0.30%

0.30%

Monthly

$10,000 to $49,999.99

$100

$10,000

0.40%

0.40%

Monthly

$50,000 and above

$100

$50,000

0.45%

0.45%

Monthly


CERTIFICATES

Certificates

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

12 Month Bump

$500

$500

0.35%

0.35%

Monthly

6 Months

$500

$500

0.25%

0.25%

Monthly

12 Months

$500

$500

0.40%

0.40%

Monthly

18 Months

$500

$500

0.50%

0.50%

Monthly

24 Months

$500

$500

0.55%

0.55%

Monthly

36 Months

$500

$500

0.60%

0.60%

Monthly

48 Months

$500

$500

.90%

0.90%

Monthly

60 Months

$500

$500

1.20%

1.19%

Monthly


BUSINESS SAVINGS

Horizon Money Market

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

3 Months

$500

$500

0.10%

0.10%

Monthly

6 Month

$500

$500

0.20%

0.20%

Monthly

 

1 - All rates, except fixed rate certificates of deposit, are subject to change after the account is opened. You must maintain the minimum balance listed in the account disclosure, if any, to earn the advertised Annual Percentage Yield (APY). Fees may reduce earnings on accounts. A penalty will be imposed for premature withdrawal from Certificates of Deposit. Personal accounts only. Rates stated are accurate through 4/26/2013.

2- The Annual Percentage rate (APR) for this Home Equity Line of Credit is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum line amount is $10,000.  Loan to value not to exceed 80% of tax assessed value. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. No Annual Fees. Consult a tax advisor regarding the tax deductibility of interest. Maximum possible APR is 24%. Minimum possible APR is 4%. Property insurance is required which includes, as required, flood insurance. Other restrictions may apply.

3- Home Equity Loans minimum loan amount is $10,000. Loan to value not to exceed 80% of tax assessed value. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. Property insurance is required which includes, as required, flood insurance. Other restrictions may apply.
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