Important Announcement

Attention VCNB Debit Card Holders: In an effort to always provide you with valuable financial tools and benefits, your VCNB Mastercard® debit card is becoming a Tap to Pay with Visa® debit card!  Your basic account terms, uChoose Rewards®, and our commitment to your security and satisfaction will remain the same.  As the transition approaches, we’ll send you more information. In the meantime, you can contact our Customer Service Team at 800.542.5004 with any questions.

Vinton County National Bank

Equity Loans

Home Equity Line of Credit

A home equity line of credit (HELOC) offers you the flexibility of borrowing money as you need it, rather than take it all in one lump sum. And you can skip the trip to the bank when you’re ready to borrow. If you have the kind of place where home improvements are more or less an on-going process, a HELOC could be the way to go.

Of course, you can also use the loan to consolidate debt or pay off other expenses faster and at a lower rate. With a HELOC, rates and payment terms vary depending on the amount of equity in your home and the amount borrowed.

Pre-Qualify or Apply Now Find a Lender

Equity Installment Loan

Add another room, remodel your kitchen, or make other home improvements with a home equity installment loan from Vinton County National Bank. Or use a home equity installment loan to consolidate debt or pay off other expenses sooner and at a lower rate.

Home equity installment loans from VCNB come with term options and the best rates, and are ideal for borrowers who prefer a fixed month payment.

Pre-Qualify or Apply Now Find a Lender

Here’s what to have ready.

  • Tax returns for the past two years
  • W2s from all employers for the past two years
  • Names and addresses of each employer for the past two years
  • Pay stubs for most recent full month
  • Residence addresses for the past two years
  • Most recent bank statements

All loans are subject to application and credit approval.

Online Loan Payments
At Vinton County National Bank, we make managing your mortgage loan easy. Set up electronic loan payments, payment reminders, and other helpful features. It’s a hassle-free way to manage your loan. Click here for online payment resources.

More questions?
Chat with us online or click here to ask a question.

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Vinton County National Bank

Vinton County National Bank

Deposit Checks

Deposit a check from anywhere, anytime with VCNB Mobile.

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