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% |