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.

EquiLock** - Home Equity Line of Credit

If you are looking for a flexible, long-term borrowing solution, our Equilock product may be for you!  VIST EquiLock gives you the option to lock in all or part of your line of credit balance into fixed rate loan(s), with a fixed montly payment amount!  The amount of the line of credit that is not used remains available to use like a traditional line of credit , at a low, variable rate.  EquiLock also allows you to unlock any locked rate, releasing the funds back to your line of credit.

Benefits:

• Flexibility - you can manage your payments and interest rate by using either the variable rate line function or the fixed-rate lock option

• Convenience - you can use one account to meet your borrowing needs.  You can use your line of credit for major purchases, home improvements

• Control - you can also use the lock feature at any time during the life of your line

• Access Funds - you will have the ability to access your line of credit with a VISA® Line of Credit Access Card                                                                     

 .50% discount with autodraft shown above

Last Update:  Mon., Nov. 17, 2008

Home Equity Loan                                                                           

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).

Example- Based on a 10 year, $20,000 - home equity loan with an APR of 6.50%.  You would make 120 monthly payments of $227.10.

Last Update:  Mon, Nov. 17, 2008

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%