Personal Loan Rates

Auto

Effective Date: Monday, March 25, 2019

Model Year Annual Percentage Rate* Comments
2017-2019 3.52% Term <= 36 months
2017-2019 3.94% Term <= 60 months
2017-2019 4.11% Term > 60 months & <= 72 months
2017-2019 4.61% Term > 72 months & <= 78 months max
2017-2019 5.34% Term > 78 months & <= 84 months max.
2009-2016 4.01% Term <= 60 months
2008 and older 5.20% Term <= 48 months

*Discounted rate available with automatic payment plan using a Gate City Bank checking account. Offer not valid on Gate City Bank lines of credit. Other terms and conditions may apply. Loan Payment Example: A $20,000 auto loan at 3.74% interest rate for 60 monthly payments of $367.82 with a $100 origination fee will have a 3.94% APR.

Boat

Effective Date: Monday, March 25, 2019

Product Annual Percentage Rate* Comments
NEW & USED** 4.49% Term <= 60 months
4.91% Term > 60 months & <= 84 months
4.88% Term > 84 months & <= 120 months
5.22% Term > 120 months & <= 144 months
5.46% Term > 144 months & <= 180 months

*Discounted rate available with automatic payment plan using a Gate City Bank checking account. Offer not valid on Gate City Bank lines of credit. Other terms and conditions may apply. Loan Payment Example: a $25,000 Boat loan at 4.79% interest rate for 120 monthly payments of $263.66 with a $100 origination fee will have a 4.88% APR. 

RV (Motorhomes, Travel Trailers & Campers)

Effective Date: Monday, March 25, 2019

Product Annual Percentage Rate* Comments
NEW & USED** 4.49% Term <= 60 months
4.91% Term > 60 months & <= 84 months
4.88% Term > 84 months & <= 120 months
5.22% Term > 120 months & <= 144 months
5.46% Term > 144 months & <= 180 months
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*Discounted rate available with automatic payment plan using a Gate City Bank checking account. Offer not valid on Gate City Bank lines of credit. Other terms and conditions may apply. Loan Payment Example: a $25,000 RV loan at 4.79% interest rate for 120 monthly payments of $263.66 with a $100 origination fee will have a 4.88% APR. 

Motorcycle

Effective Date: Monday, March 25, 2019

Model YearAnnual Percentage Rate*Comments
2017-20184.28%Term <= 72 months max.
2015-20184.46%Term <= 60 months max.
2013-20185.31%Term <= 48 months max.
2012 & older6.13%Term <= 36 months max.

*Discounted rate available with automatic payment plan using a Gate City Bank checking account. Offer not valid on Gate City Bank lines of credit. Other terms and conditions may apply. Loan Payment Example: a $10,000 motorcycle loan at 4.00% interest rate for 60 monthly payments of $186.23 with a $100 origination fee will have a 4.46% APR. 

Home Equity (2nd Mortgages)

Effective Date: Monday, March 25, 2019

ProductAnnual Percentage Rate*Comments
Owner-Occupied/Duplex:3.96%80% Loan To Value or Less (Term of 5 yrs)
4.96%80% Loan To Value or Less (Term of 10 yrs)
5.45%80% Loan To Value or Less (Term of 15 yrs)
6.70%80% Loan To Value or Less (Term of 20 yrs)
7.20%80% Loan To Value or Less (Term of 25 or 30 yrs)
4.46%80.1% to 90% Loan To Value (Term of 5 yrs)
5.71%80.1% to 90% Loan To Value (Term of 10 yrs)
5.96%80.1% to 90% Loan To Value (Term of 15 yrs)
7.20%80.1% to 90% Loan To Value (Term of 20 yrs)
7.70%80.1% to 90% Loan To Value (Term of 25 or 30 yrs)

Offer not valid on Gate City Bank lines of credit. Other terms and conditions may apply. Loan Payment Example: a $40,000 home equity 2nd loan at 4.95% interest rate for 120 monthly payments of $423.41 (payment does not include taxes and insurance, if applicable, so actual payment obligation may be greater), with a $12 flood determination fee will have a 4.96% APR. 

Home Equity (1st Mortgages)

Effective Date: Monday, March 25, 2019

ProductAnnual Percentage Rate*Comments
Owner-Occupied/Duplex:4.20%80% Loan To Value or Less (Term of 5 yrs)
4.95%80% Loan To Value or Less (Term of 10 yrs)
5.20%80% Loan To Value or Less (Term of 15 yrs)

Offer not valid on Gate City Bank lines of credit. Other terms and conditions may apply. Loan Payment Example: a $75,000 home equity 1st loan at 4.95% interest rate for 120 monthly payments of $793.79 (payment does not include taxes and insurance, if applicable, so actual payment obligation may be greater), with a $12 flood determination fee will have a 4.95% APR. 

BetterLifeā„¢ Student Loan Rates

Effective Date: Monday, March 25, 2019

Product Annual Percentage Rate*
BetterLife Student Loan 3.50%

*Terms and conditions may apply. Loan payment example: A $25,000 student loan at 3.50% interest rate for 120 monthly payments of $247.21 with no fees will have a 3.50% APR.