Loans & Lines of Credit


Whether you’re adding on to your home or buying a new one, financing a car, paying for college education, planning a dream vacation, or consolidating existing loans, VIST has loans with competitive rates and terms to help make your goals a reality.

 

Home Equity Loans                                                                                   

Home Equity loans allow homeowners to use the equity built-up in their homes to consolidate debts or finance more purchases. In addition to a lower interest rate and flexible terms, any interest paid may be tax-deductible (consult your tax adviser).

 

Interest

Rate 

APR Term 
5.75% 5.75% 1-5 yrs
6.25% 6.25% 6-10 yrs 
6.75% 6.75% 11-15 yrs 
6.75% 6.75% 15 yr/30 yr ARM 
6.25% 6.25% 5 yr/30 yr ARM 

Example- Based on a 10 year, $20,000 - home equity loan with an APR of 6.25%.  You would make 120 monthly payments of $224.56.

Last Update:  Mon, Jul 21, 2008



Lines of Credit/Overdraft Protection

A personal line of credit not only gives you lending flexibility, but also the security of knowing money is there if you need it. With our Cash-N-More account, you may borrow funds at any time—up to your pre-approved limit—and pay interest only on the funds you use.

 

Cash-N-More Account Features

 

  • Borrow funds at any time—up to your pre-approved limit. Pay interest only on the funds you use. As you repay your balance, the funds are available to use again.
  • Overdraft protection. Cash-N-More is linked to your VIST checking account.

 

Personal Loans

 

Designed for special needs such as a vacation, education expenses, new furniture, home improvements, and more, your VIST professional will help you determine which personal loan makes the most sense for you.

 

TermRateAPR** Conditions
1-5 years14.50%14.50%under 700 credit score
1-5 years13.00%13.00%

700 and above credit score

** Personal Loan Rates are adjusted according to Credit Risk

Example - 48 payments of $220.63 each per $8,000 borrowed @ 14.50% 

 

Last Update: on Mon, Jul 21, 2008 

  

New and Used Auto Loans

 

New Auto Loans 

TermRateAPR
3 Years7.25%7.25%
4 years7.49%7.49%
5 years7.49%7.49%
6 years7.99%7.99%

 

48 payments of $241.74 each per $10,000 borrowed @ 7.49% APR.

 Last Update: on Mon, Jul 21, 2008 

 

Used Auto Loans

Model YearTermRateAPR
1997 and older36 months11.99%11.99%
1998-200348 months9.99%9.99%
1998-200336 months9.49%9.49%
2004-200736 months7.99%7.99%
2004-200748 months7.99%7.99%
2004-200760 months7.99%7.99%

36 payment of $265.68 each per $8,000 borrowed @ 11.99% APR 

Last Update: on Mon, Jul 21, 2008 

 

 

 

Student Loans

VIST provides a number of affordable student loans to help full- or part-time students pay the tuition to attend college, graduate, technical, or vocational school. For assistance, students must have a deposit account, such as a VIST checking or savings program.

 

 


Other Loans

Our VIST Mortgage Advisors are ready to answer your mortgage loans or refinancing questions!   

Mortgage Loans

 

All loan rates should be adjusted according to credit risk; rates reflect the autodraft reduction of .50%