Home Equity Line of Credit

Prime Minus 0.25%
to Prime Plus 7.25%
(minimum floor 3.50%)
(maximum ceiling 10.50%)

$10,000

60 months

3.75% to 6.75%

$10,000

84 months 

4.75% to 7.75%

$10,000

120 Months 

5.75% to 8.75%

$10,000

180 Months 

6.75% to 9.75% 

$10,000

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 

36 Months

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

120 Months

3% Above Deposit Rate

N/A

 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

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

48 Months

6.50% to 11.50%

Up to 115% NADA Value limitations apply

60 Months

5.00% to 10.50%

Up to 115% NADA Value limitations apply

66 Months

4.00% to 9.50%

Up to 115% NADA Value-limitations apply

72 Months

3.50% to 8.50%

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

84 Months

2.50% to 7.50%

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.