Unsecured Personal Line of Credit 

Annual Percentage Rates (APRs) are effective: 9/22/2023

Rates and Terms are subject to change without notice.

Line amount



Annual fee

$5,000 - $15,000




$15,001 - $25,000


$25,001 or more


1APRs are variable and are based upon an index plus a margin. The APRs will vary with the Prime Rate (the index) as published in the Wall Street Journal. Changes to APRs for existing unsecured personal lines of credit take effect on the first calendar day of the following month. APRs listed above reflect a discount of 0.25% with an automatic payment from an Exchange Bank deposit account. APR may differ based on credit history and approved loan amount, term, and other discounts. An additional 0.25% discount is available for customers that have a Premier Plus Checking account and the combined average daily deposit balance is $25,000 or greater; or a relationship with Exchange Bank Trust & Investments is maintained. Funds must be verifiable at the time the loan is approved and cleared for loan documents. The Premier Plus Reward discount of 0.25% is not subject to adjustment. Refer to the Premier Plus Rewards Program Disclosure for additional terms and conditions.

Fees: If loan documents have to be regenerated after the initial document preparation due to a missed or canceled appointment, an additional fee of $50.00 will be assessed and collected at loan signing.

Credit is subject to approval. Terms and conditions apply. This is not a commitment to lend. Products, rates, terms, and conditions are subject to change without notice.

The minimum payment will equal the greater of the following: $150.00 or 1.00% of the unpaid principal balance plus all accrued interest, any past due amounts, and all fees or charges.

NMLS ID 643948