Click on a category below for product details and options. Please contact us if you have any additional questions.
- Personal Loans
Whether you are buying a new home or car, refinancing or building the house of your dreams, we have the options and experienced lenders to help you make the right decision.
With our free online pre-qualification application you will know exactly how much you can afford for your mortgage.
You can also stop by or call any of our banking locations during regular business hours.
- First Mortgage Program
First Mortgage Program
Purchase a new home or refinance your existing home with one of our many loan programs. Our programs include loans with low down payments and loans without mortgage insurance.
Whether you are a first time buyer, self-employed business owner, or an existing homeowner wanting to buy up or cash out on your present residence, we have programs to fit just about every need.
- FHA Loans
FHA loans offer a 3.5% down payment for those with limited credit and limited down payment funds. They're perfect for the first-time home buyer or any buyer with limited resources. Ask one of our lenders to see if you qualify for FHA financing.
- VA Loans
VA loans are government insured home loans with no down payment for our nation's Veterans and Military personnel1.
Our VA loans are offered for both purchases and refinances and have no Private Mortgage Insurance. The credit underwriting is flexible and the interest rates are low. Purchases and refinances are for primary residences only and an honorable discharge form must be provided.
1. Credit and income qualifications must be met. If the loan amount exceeds the value of the dwelling, interest on the additional amount is not tax deductible- consult a tax advisor.
- Lifestyle Loans
Looking for a loan to finance your child's orthodontics, buy a new furnace or put in that in-ground pool you've always wanted?
Our Lifestyle Loans help you purchase those must-have's in life with a little more confidence and are designed to make your life easier. Stop in today to apply or to learn more about qualifying purchases.
- Installment Loans
We offer a wide variety of installment loans, some of the best in the area. These types of loans will get you where you need to go. The next time you are in the market to buy a car, motorcycle, boat or even a new tractor, stop in and see an experienced lender.
Finance your next car or truck purchase with us and receive a $50 gas card!
- Land Loans
The Vinton County National Bank is one of the few banks in the area to offer low down payments and attractive rates with minimal closing costs on land and vacant lot loans.
We also offer longer term financing for those interested in purchasing larger parcels of land.
- Construction Loans
Got plans? From foundations to finish, you create the home, we'll construct the loan. We offer loans that take you through the construction phase of your home right through to the permanent financing you will need once your project is complete.
If you are thinking of building a home or placing a modular home on your lot, we are a great place to begin ... and end.
- Manufactured Home Loans
Manufactured Home Loans
We offer loans to purchase mobile homes and loan programs for mobile homes and land. Terms on these loans vary so please call to get the most up-to-date information.
- Equity Line of Credit
Equity Line of Credit
This loan is ideal for your home improvements or other consumer expenses. Our equity line of credit offers you the flexibility to borrow money when you need it without coming into the bank. You can draw on your equity line by using a check. Rates are dependent on the amount of equity available in the home and the amount borrowed.
Equity Installment Loan
Just like our equity line of credit, this loan is ideal for home improvements and other consumer expenses. For those customers who want the discipline of a fixed payment amount, a home equity installment loan may be the answer. We offer various terms and rates.
The Construction Loan process with Vinton County National Bank was easier than we ever imagined. Our loan officer walked us through every step of the process and was there to explain every detail as we made our way towards closing. From our initial application, to closing, and throughout the entire construction loan life cycle, he has been there to answer all of our questions and provide support. I absolutely would, and do, recommend Vinton County National Bank.- Shane & Joanne S.
We were new to the process of having a construction loan and felt we could trust our lender at our local VCNB office to help us navigate the process. She made the whole process stress-free. She kept in touch with us to let us know what we needed to do next. We would definitely recommend your construction loan to anyone and everyone. We found that extraordinary care was provided and would give the whole process a 10 on a scale of 1-10.- Bob and Becky K.
I would highly recommend Vinton County National Bank to anyone who is thinking about a new construction loan. The process was quick and smooth and our lender went above and beyond to make our dreams for a new home stress free. I can't say enough great things about our experience with VCNB and its staff. We are so happy we decided to walk into Vinton County National Bank that day!- Tanja H.
- CDs & IRAs
Certificate of Deposit (CD)
A Certificate of Deposit is a great way to save money and earn a higher rate of interest. Simply select the length of time you would like to invest your money and watch your money grow.
Interest accrued to the account will result in higher returns. Individuals may select to have interest credited to another account or a check mailed to them on a regular basis.
Individual Retirement Account (IRA)
An Individual Retirement Account allows you to save more for your future. Earn interest on your money and continue to contribute to your retirement over time. We offer Traditional, ROTH, SEP and Educational IRA's allowing you to choose what is best for your long term goals. Stop in today and see an account representative to open your IRA.
Created as an incentive to help save for future educational expenses a Coverdell Education Savings Account is an excellent way to save for a college or technical school education.
Allowable contributions are made for a beneficiary under age 18 (or of special needs) and are limited by income. Distributions are tax-free as long as they are used for qualified education expenses. Funds may be invested in any of our Certificate of Deposit products.
*Penalty fees may apply to early withdrawal on Certificate of Deposit and IRA accounts.
- ATM & Debit Cards
The VCNB ATM Card and MasterCard debit cards allow 24 hour access to your checking and savings accounts at various ATMs.
Debit cards can be used any place where MasterCard is accepted (13 million locations worldwide). The Debit card can eliminate the need to carry a checkbook or large amounts of cash.
Charges & Fees
Pin Based Transactions. You have the option to use your personal identification number in a transaction with a merchant. You will not be charged a fee for these PIN based transactions. Additionally, a signature based (credit) transaction will not incur a fee.
ATM Surcharges. When you use an ATM not owned by us and not part of the MoneyPass® network, you will be charged a $1.00 fee per transaction. Additionally, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry).
Custom Debit Cards
Custom debit cards are now available in your choice of exclusive designs or upload your own photo for a unique look.
32,000+ Surcharge-Free ATMs! VCNB is now part of the MoneyPass network. With 32,000 total nationwide MoneyPass ATMs including many inside convenient retail locations, you're good to go. Accessing your cash has never been easier!
To activate card or change your PIN call 800.992.3808.
To report fraud after normal VCNB operating hours call 800.262.2024.
If your card has been lost or stolen card call 800.472.3272.
- Credit Cards
Earn UChoose Points with Your Platinum Visa
Now earn UChoose Rewards Points with your Visa Platinum credit card! UChoose Rewards is a program that allows you to earn 1 reward point for every $1 spent in purchases on your Visa Platinum Credit Card. Redeem those points through the UChoose website for merchant gift cards, travel, hotels, movie tickets, merchandise and thousands of other exciting products. Register your card through the UChoose site below and watch your points add up!
Set up or Login to UChoose Rewards.
UChoose Rewards →
To read Frequently Asked Questions about UChoose Rewards, click here.
APR & Interest Visa Classic Credit Card Visa Platinum Credit Card Annual Percentage Rate (APR) for Purchases 4.99% introductory APR for the first six months. After that, your APR will be 15.9% 4.99% introductory APR for the first six months. After that, your APR will be 11.40% Annual Percentage Rate (APR) for Balance Transfers 4.99% introductory APR for the first six months. After that, your APR will be 15.9% 4.99% introductory APR for the first six months. After that, your APR will be 11.40% Annual Percentage Rate (APR) for Cash Advances 19.9%, after six month introductory APR of 4.99% 19.9%, after six month introductory APR of 4.99% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. If you are charged interest, the charge will be no less than $0.50. Transaction Fees Visa Classic Credit Card Visa Platinum Credit Card Cash Advance $5.00 or 3% of the amount of each cash advance, whichever is greater $5.00 or 3% of the amount of each cash advance, whichever is greater Balance Transfer None None Expedited Payment $10.00 $10.00 Penalty Fees Visa Classic Credit Card Visa Platinum Credit Card Late Payment Minimum payment due or $25, whichever is less, assessed on day of next statement billing Minimum payment due or $25, whichever is less, assessed on day of next statement billing Returned Payment Minimum payment due
or $25, whichever is less
Minimum payment due
or $25, whichever is less
We use a method called Average Daily Balance (including new purchases). Review your account terms and conditions for more details.
Information on your rights to dispute transactions and how to exercise those rights is provided in your account terms and conditions.
Variable Rate Determination
The APR is determined using the Prime Rate published in the Wall Street Journal as of the first day of each calendar quarter plus a margin of 5.90% and becomes effective with the finance charge calculation on the following calendar month's statement. APRs are current as of 12/20/18 using a Prime Rate of 5.50%.
For more information and to learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau.
Revised: March 22, 2018
- Gift & Reloadable Cards
Looking for the perfect gift for graduations, weddings or birthdays? VCNB has prepaid gift cards in any denomination up to $1000.
These cards are for use at anywhere Mastercard© is accepted. This gift, although it is like cash, is much more secure and can be used for online purchases. Simply visit one of our VNCB banking branches and give that perfect gift! There is no minimum age to purchase.
Card Minimum/Max Amount $10-$1000 Purchase Fee $4.99 Reload Fee Non-Reloadable Monthly Maintenance Fee No fees until 12 consecutive months of inactivity then $2.95/month Age Requirements No minimum age to purchase
A Reloadable Mastercard© is a better way to pay and can be used for many different occasions. It is ideal for those who do not qualify or do not want a traditional checking account for fear of accidental overdraft.
With this card, you load it for a specific amount and then, once you have spent it, it is gone. There is no risk of overdrawing an account. Reloadable cards are perfect to help your college kids out with money for books or even to pay your bills and make online purchases. You can even have your paycheck directly deposited onto this card. You must be 16 years of age to purchase.
Card Minimum/Max Amount $10,000 max balance. Initial load amount is $10-$5000 max. How often can I reload? 3 times in 24 hours Purchase Fee $5.99 Reload Fee $2.00 in office load; direct deposit is free Monthly Maintenance Fee $4.95/month; waived with any load Age Requirements 16 years of age; 13 years for secondary card holder Additional Cards Up to 2 secondary cards available at time of purchase; $1.99 each
Travel securely with a Reloadable Travel Card from VCNB. Now when you are making purchases outside of your hometown, you can rest assured knowing your money is safely loaded onto a prepaid card. No longer are you risking using your debit card or cash to make purchases, you can purchase anything, anywhere Mastercard© is accepted worldwide. Traveling with a spouse or child? Purchase a companion card for only $1.99 additional. To purchase, the primary cardholder must be 16 years of age. The companion cardholder must be at least 13 years of age.
Card Minimum/Max Amount $10,000 max balance. Initial load amount is $10-$5000 max. How often can I reload? 3 times in 24 hours Purchase Fee $5.99 (Secondary card $1.99) Reload Fee $2.00 in office load; direct deposit is free Monthly Maintenance Fee $4.95; monthly fee waived for the first 3 months and with any load Age Requirements 16 years of age to purchase primary card. 13 years of age to use companion card.
See terms and conditions for more details. Cards issued by MetaBank®, Member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.
- Savings Bonds
The Bureau of Public Debt has announced that starting January 1, 2012 financial institutions no longer conduct over-the-counter sales of U.S. Savings Bonds. Series EE and I savings bonds will be available in electronic form only through the online TreasuryDirect Program.
Individuals who currently possess paper savings bonds will be able to redeem them at financial institutions. In addition, paper bonds that have been lost, stolen or destroyed, may be reissued in either paper or electronic form.
Vinton County National Bank will never contact a customer via phone, e-mail, text message or direct mail asking for any of your credentials including usernames, passwords, account numbers, social security numbers, etc.