Loan Rates

Home Equity Line of Credit

Home Equity Line of Credit	Annual Percentage Rate	Minimum Line of Credit
$25,000 and above	Prime + 0 to Prime + 6.50	$25,000 minimum draw
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 $25,000. Loan to value not to exceed 90% of tax assessment or appraisal value minus first mortgage balance. 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 3.25%. Property insurance is required which includes, as required, flood insurance. Other fees and restrictions may apply.

Home Equity Loans

Home Equity Loans	Annual Percentage Rate As Low As
Terms vary from 60 Months to 180 Months	8.45%
APR* for this Home Equity Loan is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum loan amount of $40,000 required for term over 120 months. Loan to value not to exceed 90% of tax assessment or appraisal value minus first mortgage balance. 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 3.25%. Property insurance is required which includes, as required, flood insurance. Other fees and restrictions may apply.

Home Equity Loans

Annual Percentage Rate As Low As

Terms vary from 60 Months to 180 Months

8.45%

APR* for this Home Equity Loan is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum loan amount of $40,000 required for term over 120 months. Loan to value not to exceed 90% of tax assessment or appraisal value minus first mortgage balance. 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 3.25%. Property insurance is required which includes, as required, flood insurance. Other fees and restrictions may apply.

Home Improvement Loans

Home Improvement Loans	Annual Percentage Rate As Low As
12-36 Months (minimum $5,000)	8.70%
37-60 Months (minimum $5,000)	9.70%
61-84 Months (minimum $5,000)	10.70%
85-119 Months (minimum $5,000)	11.70%
120-180 Months (minimum $10,000)	11.70%

Personal Loans

Personal Loans	Annual Percentage Rate As Low As
24 Months	19.00%
36 Months	18.50%
42 Months	18.25%

Security Loans

Security Only Loans	Annual Percentage Rate As Low As
48 Months	9.25%
60 Months	10.25%
66 Months	12.00%
72 Months	13.00%

Share Secured Loans

Share Secured Loans	Annual Percentage Rate	Conditions
120 Months	3% Above Deposit Rate	N/A

Visa Credit Cards

Visa Credit Cards	Annual Percentage Rate	Limits and Conditions
Blue	As low as 9.00% Variable	$500 to $3,000
Black	As low as 13.50% Variable	$5,000 to $20,000
Rewards	As low as 16.25% Variable	$5,000 to $20,000
*APRs will vary with market based on the Prime Rate and are subject to credit qualifications.

Boats/ RV's/ Motorcycles

Boats/ RV's/ Motorcycles	Annual Percentage Rate As Low As
60 Months	12.00%
66 Months	12.50%
72 Months	13.00%
*85% of Retail for all Boats/ RV's/ Motorcycle Loans

New & Used Auto Loans

New & Used Auto Loans	Annual Percentage Rate As Low As
60 Months (minimum $10,000)	6.45%
66 Months (minimum $10,000)	6.45%
72 Months (minimum $20,000)	7.00%
84 Months (minimum $25,000)	7.95%
96 Months (minimum $40,000)	9.00%