Automobiles and Light Trucks

New Vehicles - 100% financing^‡ of new cars available for up to 72 months at posted rates.

• $2,500 Minimum
• Maximum Term
  • 48 months for loans under $10,000.
  • 60 months for loans of $10,000 and over.
  • 72 months for loan over $25,000.

^‡ Includes taxes, tags, title, and dealer prep.
  Based on a $10,000 loan and a term of 36 months, a 6.75% APR would apply. The monthly payment in this example would be $307.68.

Previously-Owned Vehicles

• $1,000 Minimum
• Maximum Term
  • 60 months for 2007 model years.
  • 48 months for 2006 model years.
  • 36 months for 2005 - 2004 model years.
• Finance the lower of NADA average loan value or purchase price.

Based on a $10,000 loan for a 2004 vehicle and a term of 36 months, an 7.50% APR would apply. The monthly payment in this example would be $311.12.

VCB Prime Equity Line

The index rate was 4.00% as of October 30, 2008. The minimum APR is 5% and the maximum APR is 18%. The APR may vary. For lines up to 89.99% loan to value, the following examples would apply: 1)For line amounts less than $50,000, based on a $10,000 outstanding balance and the current index, a 5.00% APR would apply. The minimum monthly payment would be $42.47. 2)For line amounts of $50,000 and greater, based on a $10,000 outstanding balance and the current index, a 5.00% APR would apply. The minimum monthly payment would be $42.47. Existing Virginia Commerce Bank home equity lines are not eligible to be refinanced at this tiered rate. Auto-debit required from a Virginia Commerce Bank checking account. If interest-only payments are made monthly, a balloon payment of the outstanding principal balance plus all accrued interest and unpaid fees will be due in full at the end of the term. Lines of credit that are paid off and closed within eighteen months may be subject to an early termination fee of 1.00% of the line amount. Customer would be responsible for paying closing costs on lines over $250,000. The estimated costs could range between $1,600 and $2,611. Maximum early termination fee would be $2,500. Owner-occupied Northern VA residences only. Adequate property insurance and a mortgage lien are required.

VCB Home Equity Loan

Based on a $10,000 loan balance, LTV^± of 89.99% and term of 5 years, a 6.25% APR would apply. The monthly payment in this example would be $194.53. Auto-debit required from a Virginia Commerce Bank checking account. No closing costs apply to owner-occupied Northern Virginia residences up to $250,000. Customer would be responsible for paying closing costs on loans over $250,000. Loans that are paid off within eighteen months may be subject to reimbursement of closing costs. These costs generally total between $381.00 and $2611.00. Adequate property insurance and a mortgage lien is required.

VCB Premier Line

An unsecured personal line of credit with easy access to funds to cover both unexpected OR planned expenses!

• Credit limit $10,000 to $100,000.
  (Standard underwriting guidelines for unsecured credit apply.)
• Rates as follows:
  • Wall Street Journal Prime¹ + 1.00% for lines of credit of $25,000² or more.
  • Wall Street Journal Prime¹ + 2.00% for lines of credit less than $25,000³
• 10 Year Term with monthly interest only payments.
• Easy checkbook access - no need to call for advances.
• Payments can be automatically deducted from a VCB Checking or Savings account.

The index rate was 4.00% as of October 30, 2008. The minimum APR is 6% and the maximum APR is 18%. The APR may vary. For all lines of credit, the following examples apply: For line amounts of $25,000 and greater, based on a $10,000 outstanding balance and the current index, a 6.00% APR would apply. The minimum monthly payment would be $50.96. For line amounts less than $25,000 based on a $10,000 outstanding balance and the current index, a 6.00% APR would apply. The minimum monthly payment would be $50.96. Existing VCB Revolving Lines of Credit are not eligible to be refinanced at this tiered rate. If interest-only payments are made monthly, a balloon payment of the outstanding principal balance plus all accrued interest and unpaid fees will be due in full at the end of the term. FINANCE CHARGES for credit advances under the credit line will begin to accrue on the date credit advances are posted to your credit line and based on the "average daily balance" method. There is no "free ride period." To get the average daily balance, we take the beginning balance of your Credit Line Account each day, add any new advances and subtract any payments or credits any unpaid FINANCE CHARGES. This gives us a daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance." Any FINANCE CHARGE is determined by applying the "Periodic Rate" to the balance described herein and multiplying by the number of days in the billing cycle.

Overdraft Line of Credit

The regular payment will be 5% of your outstanding balance or $50.00, which ever is greater. Your payments will be due monthly. FINANCE CHARGES for credit advances under your credit line will begin to accrue on the date credit advances are posted to your credit line and will be computed using the "average daily balance" method. There is no "free ride period." To get the average daily balance, we take the beginning balance of your Credit Line Account each day, add any new advances and subtract any payments or credits any unpaid FINANCE CHARGES. This gives us a daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance." Any FINANCE CHARGE will be determined by applying the monthly "Periodic Rate" to the balance described herein. The monthly Periodic Rate is $1.5% and the Annual Percentage Rate is 18% on all balances.

Unsecured Personal Loans

Based on a $10,000 loan and a term of 36 months, a 12% APR would apply. The monthly payment in this example would be $332.20.

* Annual Percentage Rate.
^± Loan-To-Value
^† Auto Debit must be from VCB checking, savings or money market account.

ALL RATES SUBJECT TO CHANGE