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Loan rates to fit all your lending needs

 
 
Auto Rates Effective June 23, 2017 
New Autos 100% LTV Financing
Repayment Term 36 Months - 84 Months
APR1 2.19% - 12.94%
Used Autos (Model Year 2014-2016) 100% LTV Financing 
Repayment Term 36 Months - 75 Months 
APR1 2.44% - 13.19%
Used Autos (Model Year 2013 or Older)  100% LTV Financing
Repayment Term 36 Months - 63 Months  
APR1,2 2.44% - 13.19% 

¹Actual rate will vary depending on applicant’s credit ratings and length of loan term. Members in a relationship pricing group qualify for a 0.25% APR discount.
²Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR.
Payment example based on a $10,000 loan: $169.27 at 2.44% APR with a 63-month term; $146.12 at 2.94% APR. with a 75-month term; $136.41 at 3.94% APR with a 84-month term.

Boat & RV Rates Effective June 23, 2017  
New Boat & RVs 100% LTV Financing
Repayment Term 36 Months - 144 Months
APR1 3.24% - 14.49%
Used Boat & RVs (Model Year 2014-2016) 100% LTV Financing 
Repayment Term 36 Months - 144 Months 
APR1 3.49% - 14.74%
Used Boat & RVs (Model Year 2013 or Older)  100% LTV Financing
Repayment Term 36 Months - 144 Months  
APR1,2 4.49% - 15.74% 

¹Actual rate will vary depending on applicant’s credit ratings and length of loan term. Members in a relationship pricing group qualify for a 0.25% APR discount.
²Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR.
Payment example based on a $10,000 loan: $167.96 at 2.24% APR with a 63-month term; $144.79 at 2.74% APR. with a 75-month term; $134.05 at 3.74% APR with a 84-month term.

View At-A-Glance loan rate sheets.

Other Loan Rates Effective June 23, 2017 
Personal Loans1  
Repayment Term 12 Months - 60 Months
APR
6.99% - 17.99%
Personal Line of Credit2  
Repayment Term Based on outstanding balance 
APR
6.99% - 17.99%
Share Secured Loan3  
Repayment Term 1 Month - 72 Months  
APR
3.15% 
Overdraft Protection Line of Credit4  
Repayment Term 12 Months
APR 17.00%

¹Actual rate will vary depending on applicant’s credit ratings and length of loan term. Payment example based on a $2,500 loan: $77.18 at 6.99% APR with a 36-month term; $119.71 at 6.99% APR. with a 48-month term; $148.47 at 6.99% APR with a 60-month term. APR = Annual Percentage Rate.
2Actual rate will vary depending on applicant’s credit ratings. Payment based on amount outstanding balance: $1,000 or less = 12 months; $1,000.01 - $2,000 = 24 months; $2,000.01 - $4,000 = 36 months, $4,000.01 - $7,000 = 48 months; $7,000.01+ = 60 months. Finance charges accrue from the transaction date. Late payment fee is %5 of the payment amount or $5.00, whichever is greater. Return payment fee is $5.
3Payment example based on a $2,500 loan: $72.87 at 3.15% APR with a 36-month term. APR = Annual Percentage Rate.
4Payment based on amount outstanding balance: $500 or less = 12 months. Finance charges accrue from the transaction date. Late payment fee is %5 of the payment amount. Return payment fee is $5.

Motorcycle Rates Effective June 23, 2017  
New Motorcycles  100% LTV Financing
Repayment Term 36 Months - 75 Months
APR1 3.24% - 14.49%
Used Motorcycles (Model Year 2014-2016) 100% LTV Financing 
Repayment Term 36 Months - 75 Months 
APR1 3.49% - 14.74%
Used Motorcycles (Model Year 2013 or Older)  100% LTV Financing
Repayment Term 36 Months - 63 Months  
APR1,2 4.49% - 15.74% 

¹Actual rate will vary depending on applicant’s credit ratings and length of loan term. Members in a relationship pricing group qualify for a 0.25% APR discount.
²Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR.
Payment example based on a $10,000 loan: $167.96 at 2.24% APR with a 63-month term; $144.79 at 2.74% APR. with a 75-month term; $134.05 at 3.74% APR with a 84-month term.

Home Equity Rates
  Effective June 23, 2017  
Adjustable Rate Home Equity Line of Credit    
Repayment Term 180 Months  
APR1,2,3 

Prime +1.00-1.50
(80% or Less LTV)

4.25% - 5.75%
(80% or Less LTV) 
Fixed Rate Home Equity Loan    
Repayment Term 1 Month - 180 Months 1 Month - 180 Months
APR1,5

3.74% - 5.24%
(80% or Less LTV)

4.24% - 4.74%
(81%  - 90% LTV4)

Fixed Mortgage Refinance Loan    
Repayment Term 1 Month - 240 Months  
APR1,5

3.24% - 3.74%
(80% or Less LTV)

 

All rates are subject to change without notice. Henrico will obtain a valid first or second lien position on the consumer’s dwelling. Adequate property insurance is required. If you close your Home Equity Line of Credit Plan and satisfy the security instrument within 12 months of the Plan's opening, you will reimburse us 100% of the closing costs we paid on your behalf. If you close your Home Equity Line of Credit Plan and satisfy the security instrument within 13-36 months of the Plan's opening, you will reimburse us for part of the closing costs we paid on your behalf by paying us a partial reimbursement fee of $350.00. If you decide not to enter into this plan within three business days of receiving this disclosure and the home equity brochure, you are entitled to a refund of any fee you may have already paid.
¹Actual rate will vary depending on applicant’s credit ratings and length of loan term. 
²You may draw against your credit line any time during the first five years after closing. 
³APR may vary, minimum APR is 3%, maximum APR is 16%.
4Maximum loan amount is $25,000 or less when LTV exceeds 80%
5Payment example based on a $10,000 loan: $97.69 at 3.24% APR with a 10-year term; $70.23 at 3.24% with a 15-year term; $59.25 at 3.74% APR with a 20-year term.