Home Equity Line of Credit (HELOC)

Disclosures

¹Bank will pay closing costs for non-purchase money credit lines up to $400,000; credit lines of more than $400,000 and purchase-money credit lines will receive a $2,000 credit towards closing costs ($3,500 for collateral in MD), or the full amount of closing costs, whichever is less. Closing costs include the first property valuation obtained by Atlantic Union Bank, but exclude any subsequent valuations not required by us and the initial funding of an escrow account when required. However, if your account is closed within three (3) years of the opening date, we will add any closings costs we advanced on your behalf to your outstanding balance for our reimbursement. Total closing costs generally range from $200 - $3,500. There is a $50 annual fee, if and as allowed by applicable law, which is waived the first year. Your annual fee may be waived with a qualified Atlantic Union checking account; consult with your branch banker for details. 

²The introductory fixed rate of 5.24% Annual Percentage Rate (APR) applies to new home equity line accounts. The introductory rate is only available to new borrowers on qualified new home equity lines of credit. Only one introductory rate offer is available per property. Current AUB home equity line customers, increases to existing home equity lines and refinances of existing AUB debt are not eligible for this offer. After the nine-month introductory period, a standard rate applies for the remaining portion of the draw period.

³The lowest APR (Annual Percentage Rate) offered is 6.75%, is available with a minimum line amount of $150,000, a minimum initial variable rate advance at closing of $15,000, a maximum combined loan-to-value of 80%, and automatic deduction of monthly payments from an Atlantic Union Bank (“Bank”) checking account. Borrowers must possess a Beacon Score of 720 or greater to receive the lowest rate. Not all borrowers will receive the lowest rate. The Annual Percentage Rate (APR) is variable and is based on an Index and a Margin. The APR will vary with the Prime Rate (Index) as published in the Wall Street Journal. As of 7/14/2026 the Prime Rate was 6.75% and the Margins ranged from 0.50% to 4.50%. The Index may vary due to a change in the Prime Rate, and Margins vary based on the credit limit amount, the loan-to-value ratio, the borrower’s credit score and other factors. The maximum APR is 24% or the maximum permitted by state law, whichever is less. The minimum APR shall be no less than 3.00%. Minimum monthly payment is $50.00, which may include principal. All offers are subject to credit approval This Atlantic Union Bank Home Equity Line of Credit has a 15-year draw period with a 15-year repayment period. Payments are interest-only during the draw period and the repayment period requires a principal and interest payment, based on the outstanding balance. There is no origination fee charged to open. Bank must be in a valid first or subordinate lien position on the collateral. Property insurance and flood insurance, where applicable, will be required. This offer is limited to primary and secondary single-family residential real property located in Virginia, Maryland and North Carolina. Please consult with a tax advisor regarding interest deductibility. Rates are subject to change. Certain conditions and restrictions may apply. 

⁴Ability to have up to 5 fixed-rate advances at one time. Fixed interest rates available for 5, 10, 15 or 20 year terms. Fixed-rate processing fee of $75, as allowed by applicable law. The interest rate is determined at the time of the fixed rate request using the Wall Street Journal Prime Rate plus a margin. The fixed interest rate will be higher than your standard variable rate. Margins are subject to change at any time. The fixed rate advance term selected can not exceed the full maturity date of the Home Equity Line of Credit account. For more details or to request a Fixed Rate Option, contact your local branch or schedule an appointment

⁵Access NOW is an unsecured, short-term loan that is available for eligible customers that have been credit approved for a HELOC application. The maximum loan amount is equal to 50% of the approved HELOC line amount or $50,000, whichever is lower. Subject to standard credit criteria.