HOME EQUITY LINE OF CREDIT

Home Equity Line of Credit

Annual Percentage Rate2

Minimum Line of Credit

$10,000 to $19,999

Prime + 1 to Prime + 6

$10,000 minimum draw

$20,000 to $29,999

Prime + .50 to Prime + 5.50

$15,000 minimum draw

$30,000 to 39,999

Prime + 0 to Prime + 4.75

$20,000 minimum draw

$40,000 and above

Prime + -.25 to Prime + 4.50

$25,000 minimum draw

 

HOME EQUITY LOANS

Home Equity Loans

Annual Percentage Rate3

Minimum Loan Amount

60 months

5.25% to 7.25%

$15,000

72 months

5.25% to 7.25%

$15,000

84 months 

5.25% to 7.25%

$15,000

120 Months 

5.25% to 7.25%

$15,000

 

PERSONAL LOANS

Personal Loans

Annual Percentage Rate

Minimum Loan Amount

24 Months

12.75% to 16.00%

N/A

36 Months

13.50% to 16.50%

N/A

42 Months 

15.50% to 17.50%

N/A 

 

Security Only Loans4

36 Months

6.00% to 8.75%

Up to 110% NADA Value-limitations apply

 48 Months

 6.25% to 9.00%

Up to 110% NADA Value-limitations apply

 60 Months

 6.50% to 8.50%

Up to 110% NADA Value-limitations apply

 66 Months

 6.75% to 8.75%

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

10.00% to 17.00%

80% of Retail

 66 Months

10.50% to 17.50% 

80% of Retail

72 Months

11.00% to 18.00%

80% of Retail

 

NEW & USED AUTO LOANS

New and Used Auto Loans (approximate term)

Annual Percentage Rate

Conditions4

48 Months

6.05% to 13.05%

Up to 115% NADA Value limitations apply

60 Months

5.65% to 12.65%

Up to 115% NADA Value limitations apply

66 Months

4.70% to 11.70%

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

72 Months

4.15% to 11.15%

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

84 Months

3.80% to 10.80%

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

 
  1. 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.
  2. 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.

  3. Limitations on NADA value based on credit score of applicant.

  4. Rates and terms are subject to change.
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