We realize that sometimes you plan for a big purchase and other times life just happens. VCB can help with a variety of loans and lines of credit for your borrowing needs, expected or not.

• Home Equity Lines of Credit (HELOC) and Home Equity Loans — Take advantage of your biggest asset — your home. By using the equity in your home, you may qualify for a sizable amount of credit, at a relatively low interest rate. Choose a home equity loan or line of credit from VCB to pay for major expenses, such as education, home improvement, debt consolidation or whatever you need.


• Mortgages — Whether you’re buying a new home, purchasing an investment property, or refinancing a home, VCB is your home for mortgage lending. Get the information and tools to help you find the mortgage that’s right for you.



All of our Mortgage Loan Originators are registered and comply with the Nationwide Mortgage Licensing System & Registry (NMLS). The NMLS is a free service for consumers to confirm that the company and mortgage loan officer with whom they are working with is licensed in their state. Consumers may find out more about Virginia Commerce Bank and our Mortgage Loan Originators by their NMLS number at nmlsconsumeraccess.org. Virginia Commerce Bank's NMLS ID is 302944.



• Premier Lines of Credit — Unexpected or planned expenses can be covered with an easy-to-access, unsecured personal revolving line of credit through VCB.


• Overdraft Line of Credit — Get peace of mind and avoid worrying about bounced checks. An overdraft protection credit line is the perfect companion to any of our great checking accounts.


• Auto Loans — Whether you're buying a new or used car, VCB has auto loans for you featuring competitive rates, flexible terms and quick turnaround times.

Let our loan specialists work with you to find the best solution for your needs. View our great Loan Rates now.

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VCB offers a variety of Visa^® Credit Cards that can be selected based on your spending habits. Become a card member and enjoy benefits including:

• No annual fees on any cards except the secured card.
• A secured card if you’re just establishing credit, with a low annual fee and the ability to choose the credit limit.
• A choice of rewards, including gift cards, travel and merchandise.
• Attractive interest rates.
• Worldwide acceptance everywhere Visa is accepted.

We also offer the ultimate way to spend in style, with our Design Your Card option that allows you to customize any card with a personal photo at no charge.

Once you receive your credit cards, you can simply access your accounts online. Online account access provides the quickest and easiest way to:

• Activate your credit card
• Make payments
• Transfer balances
• Request limit increases
• View statements and much more!

Please ask a Virginia Commerce Bank representative for details, including terms and conditions, or apply online for your credit card today.