The Old Point National Bank of Phoebus - Nationwide Branches

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Branch	Address	View Lobby Hours
Fort Monroe Branch	100 Griffith Street, Fort Monroe, VA 23651	View Lobby Hours
Norge Crossing Branch	7504 Richmond Road, Williamsburg, VA 23188	View Lobby Hours
Greenbrier Branch	740 Eden Way North, Chesapeake, VA 23320	View Lobby Hours
Crown Center Branch	580 East Main Street, Norfolk, VA 23510	View Lobby Hours
New Town Branch	4139 Ironbound Road, Williamsburg, VA 23188	View Lobby Hours
West Mercury Branch	4030 West Mercury Boulevard, Hampton, VA 23666	View Lobby Hours
Independence Branch	351 Independence Boulevard, Virginia Beach, VA 23462	View Lobby Hours
Woodland Road Branch	347 Woodland Road, Hampton, VA 23669	View Lobby Hours
Downtown Hampton Branch	24 Wine Street, Hampton, VA 23669	View Lobby Hours
Executive Towers Branch	2101 Executive Drive, Hampton, VA 23666	View Lobby Hours
Kiln Creek Branch	201 Kiln Creek Parkway, Yorktown, VA 23693	View Lobby Hours
Ghent Branch	1812 Granby Street, Norfolk, VA 23510	View Lobby Hours
Hilltop Branch	1613 Laskin Road, Virginia Beach, VA 23451	View Lobby Hours
Sherwood Branch	13801 Warwick Boulevard, Newport News, VA 23602	View Lobby Hours
Eagle Harbor Branch	13489 Carrollton Boulevard, Carrollton, VA 23314	View Lobby Hours
Oyster Point Financial Center Branch	11780 Jefferson Avenue, Newport News, VA 23606	View Lobby Hours
Professional Park Branch	11751 Jefferson Avenue, Newport News, VA 23606	View Lobby Hours
The Warwick Branch	11134 Warwick Boulevard, Newport News, VA 23601	View Lobby Hours
Cedar Road Branch	1000 Cedar Rd, Chesapeake, VA 23322	View Lobby Hours
Corporate Center Branch	10 South Mallory Street, Hampton, VA 23663	View Lobby Hours
The Old Point National Bank Of Phoeb	1 West Mellen Street, Hampton, VA 23663	View Lobby Hours
Magruder Branch	1613 Hardy Cash Drive, Hampton, VA 23666	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.105%	6.000% 0.63 points $3,600 fees	$1,919	Learn More
NMLS ID: 2059741	6.195%	6.125% 0.75 points $2,378 fees	$1,945	Learn More
NMLS ID: 1881674	6.317%	6.250% 0.38 points $2,250 fees	$1,971	Learn More
NMLS ID: 1522344	6.425%	6.375% 0.50 points $1,664 fees	$1,997	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 6x faster than the industry standard* Fixed rate on each draw* No paperwork needed to apply
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 9.875 % After Intro: 9.875 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

The Old Point National Bank of Phoebus - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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