Virginia Commonwealth Bank
Online Login for Personal Banking

Personal Lending

At Virginia Commonwealth Bank, we offer a variety of lending options to fit your borrowing needs. You can choose from any of the lending types below ... than call or see one of our loan officers at your local branch.

You'll also have the advantage of working with your neighborhood bank for the personal attention and friendly service you deserve. And because we're a community bank and our management is right here in town, we're able to provide quick approvals and flexible terms.

Installment Loans

Looking to buy a new car or truck? Want to your consolidate bills into one payment?
VCB has installment loans to suit your financing needs.


Home Equity Loans or Lines of Credit

Use the equity you've built in your home to finance home improvements, that dream vacation or for your child’s education expenses. Home equity loans have a fixed rate, term, and payment. Home equity lines of credit are a variable rate loan generally tied to the Prime Rate. Both put the equity in your home to work for you. For both types of equity programs, no closing cost options may be available as well as the interest may be tax deductible. (consult your tax advisor)


Whether you are looking to buy a new home or refinance your existing mortgage, VCB has mortgage options to help you with your financing needs. We offer both conventional fixed and adjustable rate loan options with flexible terms.


Construction Loans

Haven’t found that perfect home, but have found the house plans to build it?
Ask your VCB Lender about our construction or construction/permanent loans.

Credit Cards

Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that’s right for you!

Learn more VCB Credit Cards



Useful Links
Click a link below to get more information.

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Since Virginia Commonwealth is a small bank, dedicated to serving the needs of our local communities, deposit accounts and loan applications are accepted only from residents of the communities served by our branch offices and their surroundings.