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 | $10,000 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 100% 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 | 6.25% |
| 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 100% 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) |
7.75% |
| 37-60 Months (minimum $5,000) |
9.00% |
| 61-84 Months (minimum $5,000) |
10.00% |
| 85-119 Months (minimum $5,000) |
11.00% |
| 120-180 Months (minimum $10,000) |
11.00% |
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 | 8.75% |
| 60 Months | 9.75% |
| 66 Months | 11.75% |
| 72 Months | 12.75% |
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 8.50% Variable | $500 to $3,000 |
| Black | As low as 13.00% Variable | $5,000 to $20,000 |
| Rewards | As low as 15.75% 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 | 11.25% |
| 66 Months | 11.75% |
| 72 Months | 12.25% |
| *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) |
5.85% |
| 66 Months (minimum $10,000) |
6.00% |
| 72 Months (minimum $20,000) |
6.50% |
| 84 Months (minimum $25,000) |
7.15% |
| 96 Months (minimum $40,000) |
8.10% |
