Loans

 

Call our Loan Center 757-463-3650 option 1 for your competitive personalized loan rate. New and Used Vehicles, Motorcycles, Boats, RV’s, Real Estate and more. Closing your loan is so easy! We offer online application and closing- so no more trips down to a branch! You can close your loan from the convenience of your home.

Apply for your loan online using your desktop, or mobile phone. Rates subject to change daily.

Term Share Account1

Amount Term Dividend Rate Annual Percentage Yield
Dividend rates as of
11/01/2018
$1,000 min. 6 mos.  0.20%** 0.20%**
$1,000 min. (dividend compounded) 12 mos.  0.30%** 0.30%**
$1,000 min. (paid to shares) 12 mos.  0.30%** 0.30%**
$500 min. “Builder” 12 mos.  0.30%** 0.30%**
$1,000 min. 24 mos.  0.35%** 0.35%**
$1,000 min. 36 mos.  0.45%** 0.45%**
$1,000 min. 48 mos.  0.50%** 0.50%**
$250 min. (youth account) 12 mos.  0.30%** 0.30%**

Individual Retirement Accounts1

Dividend Rate 09/30/18 Annual Percentage Yield
Dividend Rate as of 9-30-18
0.015%** 0.015%**
Dividend Rate 12/31/18 Annual Percentage Yield
Dividend Rate as of 12-31-18
0.050%** 0.050%**

Term Share Individual Retirement Account1

Amount Term Dividend Rate Annual Percentage Yield
Dividend Rate as of 11-1-18
$1,000 min. 12 mos. 0.30%** 0.30%**
$1,000 min. 24 mos. 0.35%** 0.35%**
$1,000 min. 36 mos. 0.45%** 0.45%**
$1,000 min. 48 mos. 0.50%** 0.50%**

Prime Share($100 average daily balance to earn a dividend) Minimum opening balance $25.002

Dividend Rate Annual Percentage Yield
Dividend Rate as of 09-30-18
0.030%** 0.030%**

Youth Share ($5 average daily balance to earn a dividend)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 09-30-18
0.030%** 0.030%**

Holiday Club ($200 average daily balance to earn a dividend**)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 09-30-18
0.030** 0.030%**

Summer Club ($300 average daily balance to earn a dividend**)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 09-30-18
0.030** 0.030**

SmartChoice Money Market

Tier One: Annual Percentage Yield
Dividend Rate as of 11-30-18
$5,000 – $24,999 0.05%**
Tier Two: Annual Percentage Yield
Dividend Rate as of 11-30-18
$25,000 – $49,999 0.06%**
Tier Three: Annual Percentage Yield
Dividend Rate as of 11-30-18
$50,000 and up 0.07**

** Rates may change without notice.

1 Early withdrawal penalties may apply. 2 Inactivity fees may reduce the earnings on your account.

Certificates

Dividend rates fixed for the term. Penalties for early withdrawal may apply.

Money Market Disclosures:

The minimum to open the accounts is $5,000.00. The account will pay monthly dividends on the average daily balance of $5,000.00 or more (ask for details). You can make up to 6 withdrawals each month. Limited check writing capabilities, free checks provided.  ** Rates may change without notice.

BlkENGinsurlabel GifYour savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States Government. More Information