Personal Loan Rates

Auto

Effective Date: Tuesday, November 20, 2018

Model Year Annual Percentage Rate* Comments
2016-2018 3.32% Term <= 36 months
2016-2018 3.74% Term <= 60 months
2016-2018 3.91% Term > 60 months & <= 72 months
2016-2018 4.41% Term > 72 months & <= 78 months max
2016-2018 5.14% Term > 78 months & <= 84 months max.
2008-2015 3.81% Term <= 60 months
2007 and older 5.00% 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 3.54% interest rate for 60 monthly payments of $366.01 with a $100 origination fee will have a 3.74% APR.

Boat

Effective Date: Tuesday, November 20, 2018

Product Annual Percentage Rate* Comments
NEW & USED** 4.29% Term <= 60 months
4.71% Term > 60 months & <= 84 months
4.68% Term > 84 months & <= 120 months
5.02% Term > 120 months & <= 144 months
5.26% 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 RV loan at 4.59% interest rate for 120 monthly payments of $261.22  with a $100 origination fee will have a 4.68% APR. 

RV (Motorhomes, Travel Trailers & Campers)

Effective Date: Tuesday, November 20, 2018

Product Annual Percentage Rate* Comments
NEW & USED** 4.29% Term <= 60 months
4.71% Term > 60 months & <= 84 months
4.68% Term > 84 months & <= 120 months
5.02% Term > 120 months & <= 144 months
5.26% 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 4.59% interest rate for 120 monthly payments of $261.22 with a $100 origination fee will have a 4.68% APR. 

Motorcycle

Effective Date: Tuesday, November 20, 2018

Model YearAnnual Percentage Rate*Comments
2017-20184.08%Term <= 72 months max.
2015-20184.26%Term <= 60 months max.
2013-20185.10%Term <= 48 months max.
2012 & older5.92%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 3.85% interest rate for 60 monthly payments of $185.32 with a $100 origination fee will have a 4.26% APR. 

Home Equity (2nd Mortgages)

Effective Date: Tuesday, November 20, 2018

ProductAnnual Percentage Rate*Comments
Owner-Occupied/Duplex:3.76%80% Loan To Value or Less (Term of 5 yrs)
4.76%80% Loan To Value or Less (Term of 10 yrs)
5.25%80% Loan To Value or Less (Term of 15 yrs)
6.50%80% Loan To Value or Less (Term of 20 yrs)
7.00%80% Loan To Value or Less (Term of 25 or 30 yrs)
4.26%80.1% to 90% Loan To Value (Term of 5 yrs)
5.51%80.1% to 90% Loan To Value (Term of 10 yrs)
5.76%80.1% to 90% Loan To Value (Term of 15 yrs)
7.00%80.1% to 90% Loan To Value (Term of 20 yrs)
7.50%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 4.75% interest rate for 120 monthly payments of $419.52 (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 4.76% APR. 

Home Equity (1st Mortgages)

Effective Date: Tuesday, November 20, 2018

ProductAnnual Percentage Rate*Comments
Owner-Occupied/Duplex:4.01%80% Loan To Value or Less (Term of 5 yrs)
4.75%80% Loan To Value or Less (Term of 10 yrs)
5.00%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 4.75% interest rate for 120 monthly payments of $786.48 (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 4.75% APR. 

BetterLifeā„¢ Student Loan Rates

Effective Date: Tuesday, November 20, 2018

Product Annual Percentage Rate*
BetterLife Student Loan 3.25%

*Terms and conditions may apply. Loan payment example: A $25,000 student loan at 3.25% interest rate for 120 monthly payments of $244.30 with no fees will have a 3.25% APR.