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Personal Loan Products

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Auto Loan (New and Used)

As the price of a new car has risen, the decision to buy has become a major financial transation. Let Valley View Bank help with our fixed rate simple interest loans with terms as long as 60 months.

CD Loans

• Borrow against your Valley View Bank certificate of deposit for any needs you may have (Excluding IRA CD’s)
• Valley View Bank offers automatic transfers, so the loan payment can be made automatically each month from your savings or checking account.

The interest rate for loans under $10,000 will be at 3% above the CD rate. Loans over $10,000 will be at 2% above the CD rate. Please call for current rates on CD’s.

Portfolio Loans

We offer fixed and variable rate loans secured by your investments, including and nationally traded stocks or bonds.

Home Equity Line of Credit

If you own your home, you will find a Home Equity Credit Line an excellent source of credit. You can use the money for improvements, college expenses, investments or any other purpose you may have in mind.

A Home Equity Credit Line is an open-ended line of credit, which means you may borrow up to your credit limit by simply writing a check. As you repay the loan you may borrow again up to the same limit and as a bonus you only pay interest on the amount you borrow, not on the entire limit of the credit line. In many cases, the interest on the Home Equity Credit Line is tax deductible. Please consult your tax advisor.

There is no penalty for early payment, and no need to come to the bank each time you need additional cash, however the minimum check amount must be for at least $100. Increments above this minimum can be for any additional amount.

The City of Overland Park Houseworks Program

If your home is within the city limits of Overland Park and is in need of some external repair, this is a great program for you at a low interest rate

• Below market APR (Annual Percentage Rate)
• Borrower must meet City Requirements for the special loan rates buy-down
• Maximum loan is $15,000 for 60 months
• No Loan fees to borrowers meeting City Requirements
• Certain income qualifications apply

Example: Based on a loan principal of $10,000.00 for 120 months at 7.50% APR, payments would be $118.69 per month

VIP Overdraft Protection

• When a check is presented for payment that would overdraw your account, Valley View Bank transfers money in $100 increments from you credit line (up to your established credit limit) to your account to cover the check
• A minimum payment of 1/20th of the unpaid balance or $10 will be automatically deducted from your checking account each month and applied to interest, then principal
• You will receive a monthly statement showing all debits and credits to your account

Looking to Buy a Home or Refinance?

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