Home Equity Line of Credit¹ 

Type APR
Interest Only 4.00%*
Principal & Interest 4.00%*

Home Equity Term Loan² 

Term APR
1 to 5 Years 5.29% 
6 to 10 Years  5.89% 
11 to 15 Years 6.29%

Automobile Loans³ 

Type and Year Term APR
Current & Previous Model Year  36 Months 3.74%
Current & Previous Model Year  37 to 60 Months 4.24%
2 & 3 Model Years Old  Up to 60 Months 4.74% 
4 & 5 Model Years Old  48 Months 5.00% 
6 Model Years & Older  36 Months  8.50%

Unsecured Personal Loan ³ 

Term APR
36 Months 11.50%

Boats, RVs, and Motorcycles³

Year Term APR
Current & Previous Model Year 60 Months 6.50%
3 -5 Model Years Old 48 Months 6.50%
6 Model Years & Older 36 Months 8.50%
¹Home Equity Line of Credit - Terms and Conditions: Annual Percentage Rate (APR) on Home Equity Lines of $10,000 and up to $200,000. * The rate is subject to change monthly and is equal to the Wall Street Journal Prime Rate if the Minimum Monthly Payment will be made by automatic debit from a Virginia Partners Bank deposit account. Without an automatic debit, 0.25% will be added to the rate. The minimum APR will not go below 4.00%, and the maximum APR will not exceed 18.00%. Available for principal residences only located in the Bank’s market area. Rates apply to loan–to-value ratios up to 85%. Property insurance is required. Title insurance and/or appraisal may be required. Other products and terms may exist for applications which do not meet the above conditions. Closing costs paid by Lender up to a maximum of $1,000.00 on standard lines up to $200,000.00. If you close your account within 36 months there will be an early cancellation fee equal to the lesser of $1,000.00 or the amount shown as “Total Fees Paid by Virginia Partners Bank” on the Disbursement Register document included in your closing package. Offer subject to credit approval. Interest paid on home equity account may be tax deductible. Consult your tax advisor regarding tax advantages. See payment examples below.

²Home Equity Term Loan - Terms and Conditions: Annual Percentage Rate (APR). These loans are fixed rate, closed end loans. The quoted rate above assumes the Minimum Monthly Payment will be made by automatic debit from a Virginia Partners Bank deposit account. Without an automatic debit 0.25% will be added to the rate. Available for principal residences only located in the Bank’s market area. Rates apply to loan–to-value ratios up to 85%. Property insurance is required. Title insurance and/or appraisal may be required. Other products and terms may exist for applications which do not meet the above conditions. Offers subject to credit approval. Interest paid on home equity account may be tax deductible. Consult your tax advisor regarding tax advantages. See payment examples below.


³Automobile Loans, Unsecured Personal Loans and Loans for Boats, RVs and Motorcycles – Annual Percentage Rate (APR) These loans are fixed rate, closed end loans. The quoted rate above assumes the Minimum Monthly Payment will be made by automatic debit from a Virginia Partners Bank deposit account. Without an automatic debit 0.50% will be added to the rate. Subject to credit approval. See payment examples below. Other terms and conditions may apply. All loans are subject to approval. Rates current as of 9/12/20 and are subject to change.
 

Payment Examples

Loan Type (and year)  Term Example Amount APR Monthly Payment
²Home Equity Term 5 years  $25,000 5.29% $475.11
²Home Equity Term 10 years $25,000 5.89% $276.17
²Home Equity Term 15 years $25,000 6.29% $214.90
³Auto - Current & Previous Model Year 36 Months $20,000 3.74% $588.17
³Auto - Current & Previous Model Year 60 months $20,000 4.24% $370.50
Auto – 2 & 3 Model Years Old 60 months $15,000 4.74% $281.29
³Auto - 4 & 5 Model Years Old 48 months $10,000 5.00% $230.29
³Auto -6 Model Years and Old 36 months $ 7,500 8.50% $236.76
³Unsecured 36 months $ 5,000 11.50% $164.88

³Boat, RV, Cycle (2019-20)
60 months $20,000 6.50% $391.32
³Boat, RV, Cycle (2015-18) 48 months $10,000 6.50% $237.15
³Boat, RV, Cycle (2014 and older) 36 months $ 7,500 8.50% $236.76
 
Additional loans and terms available. Visit any branch or call us at 540-899-2265 for more information.
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