Richmond loan rates for Feb. 6, 2012

By: Times-Dispatch Staff | Times-Dispatch
Published: February 06, 2012

Richmond loan rates	New-car loans, 20% down, 36-60 months	Used-car loans, to 48 months	Personal loans	Home improvement loans	Educational loans	MasterCard and Visa
INSTITUTIONS	Telephone	Rate %	Rate %	Rate %	Rate %	Rate %	Fixed rate %	Annual fee
Central Virginia Bank	804-794-6266	6.99	7.24-8.99	8.99-17.49	Call	Call	11.99-16.08	0
Essex Bank	804-784-4000	5.00-6.00	4.75-5.75	9.00-18.00	Call	9.49-13.49	0
First Capital Bank	804-644-2340	3.99-4.75	4.75-5.50	12.00-16.00	4.00-8.30
First Community Bank	804-323-4100	3.50-9.15	4.13-12.90	9.00-13.25	3.99-6.99	12.99	0
Fulton Bank	804-565-4400	4.74-7. 49	6.24-8.99	11.99	3.99-9.99	7.99-20.99	0
New Horizon Bank	804-302-4858	7.25	7.75-8.95	9.50-12.50	Call
Peoples Bank of Virginia	804-270-6800	5.50	6.00-8.25	7.00-12.00	5.50-8.50
State Farm Bank	877-734-2265	3.29 and up	3.89 and up	4.25-8.75	11.24-20.24	0-30
Village Bank	804-897-3900	6.00-7.00	7.00-11.00	9.00-13.00	7.50	10.90-18.00	0
CREDIT UNIONS
Argent FCU	804-748-9488	2.49-15.49	2.49-17.24	8.50-17.99	4.25-17.25	7.99-18.00	0
Call FCU	804-274-1200	2.49-10.99	2.49-10.99	7.50-18.00	Call	Call	Call
Chesterfield FCU	804-748-1417	2.61-12.86	2.86-12.11	7.86-15.36	4.00-7.86	8.90-15.90	0
Connects FCU	804-756-5000	2.94-11.94	3.69-12.69	4.25-15.00	5.50-16.00	Call	5.99-10.99	0
Dominion CU	804-771-4708	2.74-15.25	2.74-15.25	7.75-17.75	5.50-17.50	7.90-17.90	0
Entrust Financial CU	804-353-8012	2.99-7.49	2.99-7.49	9.50-18.00	4.25-6.25	Call	8.90-16.50
Henrico FCU	804-266-0290	1.99-13.24	1.99-13.24	6.99-17.99	3.25-6.24	6.25	10.90	0
New Generations FCU	804-359-8754	2.74-14.99	2.74-14.99	10.99-15.99	5.25-9.00	Call	0-17.99	0
Partners Financial FCU	804-649-2957	2.75-13.50	2.75-17.50	6.65-18.00	4.25-7.50	8.85-17.90	0
Richmond Fire Dept. FCU	804-354-0673	4.25-12.50	4.25-12.50	8.35-16.60	Prime (floor 5%)	10.80-13.80	0
Richmond Postal FCU	804-355-9684	2.99-16.29	2.99-16.29	7.99-16.99	Call	7.90-18.00	0
Truliant FCU	804-965-1966	2.25-7.50	3.15-8.70	10.25	Prime (floor 4%)	9.90	0
Virginia CU	804-323-6800	2.99-19.49	2.99-19.49	8.49-24.49	3.75-10.00	8.99-19.99	0
Virginia State University FCU	804-526-6708	2.74	3.74	9.99	6.50
Virginia United Methodist	866-657-0004	1.99-13.75	1.99-15.50	8.25-19.75	5.75-8.75	8.99-16.99
These rates, provided by the institutions Thursday, Feb. 2, are subject to change at any time and should be used only as a guide. Various terms and conditions may be placed on loans. n/a means data was not received in time for publication. NOTE: Because of the paper's production deadlines, the lenders are required to email their rate changes to metrobiz@timesdispatch.com before 4 p.m. Thursday.