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 (Max Loan To Volume = 80%)	Annual Percentage Rate As Low As
Terms vary from 60 Months to 180 Months	6.20%
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 80% 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 (Max Loan To Volume = 80%)

Annual Percentage Rate As Low As

Terms vary from 60 Months to 180 Months

6.20%

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 80% 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 (Loan To Volume = 80.01% - 90%	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% and must be over 80.01% 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 (Loan To Volume = 80.01% - 90%

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% and must be over 80.01% 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	9.50%
60 Months	10.50%
66 Months	12.50%
72 Months	13.50%

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 8.25% Variable	$500 to $3,000
Advantage	As low as 12.75% Variable	$5,000 to $20,000
Rewards	As low as 15.50% 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)	6.55%
66 Months (minimum $10,000)	6.55%
72 Months (minimum $20,000)	7.25%
84 Months (minimum $25,000)	7.90%
96 Months (minimum $40,000)	9.30%