Important Announcement

Attention VCNB Debit Card Holders: VCNB Tap To Pay with Visa® debit cards have been sent out to all cardholders! Your old VCNB Mastercard will be deactivated on September 30 so it is vital you activate and begin using your new Visa immediately. If you are a uChoose Rewards® customer, you will need to create a new uChoose account for this debit card. Call our Customer Service Team at 800.542.5004 for assistance. Get more details about your new Visa debit card on our blog - click here!

Land and Construction Loans

Land & Construction Loans

Do you have your eye on a stretch of land or an appealing lot? You’ve come to the right place.

Vinton County National Bank is one of only a few banks in the region to offer loans on land and vacant lots with low down payments and attractive rates. We also keep closing costs at a minimum.

Pre-Qualify or Apply Now Find a Lender

Construction Loans

We offer loans that take you through the construction phase of your new home, into the permanent financing you will need once your home is complete.

  • 10% Down Payment Requirement1
  • Equity in the existing lot can be used for down payment
  • One time closing fee
  • Construction period of up to 12 months
  • Interest Only during the construction phase
  • No Private Mortgage Insurance required
  • Ability to escrow
  • Quick, efficient draws throughout

Pre-Qualify or Apply Now Find a Lender

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

1 Credit qualifications must be met.

Vinton County National Bank

Vinton County National Bank

VCNB Mobile

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