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Mortgage and Loan Rates

Effective November 29, 2017
 

Fixed Rate Mortgages & Adjustable Rate Mortgages (ARM)

Purchases or Refinance

Visit our Mortgage Center to view our current rates on Fixed and Adjustable Rate Mortgages.

 
 

Construction Mortgages

Contact a member our Mortgage Team for rate and product information.

 

Home Equity Loans

Fixed Rate - 1/4 Family Owner Occupied Dwellings
 

Term APR1 Monthly Payment2
(Payments Shown Do Not Include Taxes or Insurance)
APR with Auto-Pay3 Monthly Payment2
(Payments Shown Do Not Include Taxes or Insurance)

5 yr

3.250%

$18.08

3.000%

$17.97

10 yr

4.250%

$10.24

4.000%

$10.12

15 yr

4.875%

$7.84

4.625%

$7.71


Home Equity Loan Account Details

 

Rates effective as of November 29, 2017
 
1.Annual Percentage Rate (APR) subject to change without notice. 
 
2. Per $1,000 Borrowed. Rate offer is subject to change at any time. Minimum loan amount $10,000, maximum loan amount $500,000. Maximum loan amount not to exceed 80% of property value on a 1-4 family owner occupied home. The payment on a 10-year Fixed-Rate Loan at 3.75% for $50,000 is 119 payments of $500.31 and a final payment of $499.76. The APR of 3.75% is fixed for the 10-year term. Payment does not include taxes and insurance premiums therefore payment obligation will be greater. Borrower responsible for property insurance. APR indicated requires automatic payment from a Centreville Bank checking account. Please see customer service representatives for rates without automatic payment. Subject to credit approval. Other terms available.
 
3. APR indicated requires automatic payment from a Centreville Bank deposit account.
 

Home Equity Line of Credit (with Promotional APR)

  • 1.99% Intro APR for the first 12 months1
  • Thereafter APR will resort to Prime + 0 (Currently 4.25% APR)

 

Home Equity Line of Credit Account Details

 

Rates Effective November 29, 2017
 
1. After the introductory period, the Annual Percentage Rate (APR) may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) plus a margin. A minimum initial draw of $25,000 is required. All subsequent draws will be set at $100 or more. Personal Elite Checking account is required to get the intro APR. After the introductory period the rate will be set at Prime +0%. $50 Annual Fee is waived for the first year. Other terms and conditions and restrictions apply. Subject to credit approval. Offer subject to change without notice. 
 
Your APR will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 3.75%. Check the Wall Street Journal for the current Prime Rate. Account closure fee of $350 will apply if line is paid off and closed within first two years. Annual fee of $50.00 applies after the first year.  Trust review fees of $100 to $250 may apply if property is held in a trust. Property insurance is required. Flood insurance where required by law. 1-4 family, owner-occupied primary residences or second homes only.  Maximum loan-to-value of 90% with Centreville Bank in first position. Subject to credit approval. Consult your tax advisor regarding the deductibility of interest. Additional restrictions may apply. FEES AND CHARGES: To open and maintain a line of credit, the following fees apply: Application fee: $0.00 (due at application); Points 0.00% of credit limit (due when account is opened). Fees charged to the customer will apply under the following circumstances: Annual Maintenance Fee of $50.00 (Annual Maintenance Fee will be waived if the tax reporting owner has a Personal Elite Checking account); Early Termination Fee of the lesser of the amount of the closing costs paid by the bank or $350.00 if the line is closed within 2 years from the note date; if the loan amount is greater than $250,000 and in first position, the Borrower will be required to pay for Title Insurance Policy, Municipal Lien Certificate, and Survey Deletion Letter. Customer paid third party fees may also apply: Power of Attorney, Bank approved attorney review and recording of Revocable Trust Agreement or other legal documents. Fees generally total between $0.00 and $500.00.
 

Auto Loans

Loan Account Type Term  APR1 Monthly Payment2
New Auto
(2016 - 2017)
Up to 72 Months 3.99% $15.64
Used Auto
(2013 - 2015)
Up to 48 Months 4.49% $22.80

Auto Loan Account Details

 

Rates effective November 29, 2017
 
The above rates require Automatic Payment from your Centreville Bank checking account and may change if automatic payment is cancelled. Automatic Payment is not required to obtain the loan.
 
1. Annual Percentage Rate. APR Annual Percentage Rate will be determined by individual credit worthiness.
 
2. Per $1,000 borrowed. Based on Longest Term & with Auto Payment.

 

Unsecured Personal Loans

Product APR as low as1

Monthly Payment2

Unsecured Personal Loan (Maximum amt $10,000) 11.50% $26.09 / 48 months

Unsecured Personal Loan Account Details

 

Rates Effective November 29, 2017

The above rates require Automatic Payment from your Centreville Bank checking account and may change if automatic payment is cancelled. Automatic Payment is not required to obtain the loan.
 
1. Annual Percentage Rate will be determined by individual creditworthiness. APR's are subject to change without notice. Some restrictions apply. Rates are subject to change without notice.  
 
2. Per $1,000 borrowed. Based on Longest Term & with Auto Payment.