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Personal / Line of Credit
Rates are effective as of 02/03/2012
All loan rates quoted are Annual Percentage Rates. All rates and terms subject to change without notice. All loans subject to normal credit standards.
Repayment terms - An example of a typical repayment schedule would be: 60 monthly payments at 10% APR for $21.25 per $1000.00 borrowed.
Personal Installment Loans
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Loan Type | Loan Rate As Low As | Term / Comments |
| Unsecured | 9.99% | 12 to 60 Months |
Personal Line of Credit
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Loan Type | Variable Loan Rate As Low As | Comments |
| Line of Credit (LOC) * | 9.75% | * Repayment Term is 3.0% Outstanding Monthly or $25 whichever is greater. Wall Street Journal Prime Rate* plus a Margin of 6.5% to 11%. *Wall Street Journal Prime Rate as of 12/17/08 is 3.25% |
Household Goods - New Purchase Money Only
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Term | New Purchase Rate As Low As |
| 36 Months | 9.99% |
Savings Secured
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Term | Type | Variable Loan Rate As Low As | Remarks |
| 6 to 60 Months | Savings Secured | Savings Rate + 3.00% to 6.00% Margin | Up to 100% Loan to Value. Balance in savings must equal or exceed loan balance interest due on term loans. Variable Rate Loan |
The restrictions for Savings Secured Loans are: **** Variable Rate Loan ****
The annual percentage rate on this loan may change based on the Interest rate paid on the Savings account securing this loan (Index), plus a margin of 3% to 6%. The annual percentage rate will change on the 1st day of the month following a change in the index.
Approved Accounts: Regular Savings and CDs
Add 3.00% to 6.00% Savings Rates
Max Term is 60 Months
The minimum loan amount is $500
CD Secured
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Rate As Low As | Term | Remarks |
| Rate As Low As CD Rate + 3% to 6% Margin | 6 to 60 Months | Up to 100% LTV |
The restrictions for CD Secured Loans are:
Add 3.00% to 6.00% CD Rates and only applies to ViewPoint Bank CD. The maximum loan term cannot exceed the CD term. Single pay loans can not exceed six months with a minimum of 95 days.
Add 3.00% to 6.00%
Max Term is 60 Months
The minimum loan amount is $500
