STAR Home Equity Line of Credit¹

Disclosures

¹The Steps Toward Achieving Results (STAR) Home Equity Line of Credit is available to Virginia, North Carolina, DC and Maryland residents with primary single family residences located in a low to moderate income census tract and/or have an income below 80% of the median income for that tract as identified by the U.S. Census Bureau. All loans are subject to credit approval. Bank must be in a valid first or subordinate lien position on the collateral. Property insurance and flood insurance, where applicable, will be required. Please consult with a tax advisor regarding interest deductibility. Certain conditions and restrictions may apply. 

²Credit line maximum assumes 80% or less loan to value (LTV). LTV's greater than 80% and up to 95% have a maximum line amount of $50,000.

³The 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.

⁴The lowest APR (Annual Percentage Rate) offered is 7.25%, is available with a minimum line amount of $50,000, 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. 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 12/11/2025 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%. All offers are subject to credit approval. Offer is not available for advances taken under the fixed-rate option. Offer may not be available for existing Atlantic Union Bank Equity Line customers. 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. Other fees may be charged at origination, at closing or subsequent to closing, ranging from $150 to $2,000. 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. Certain conditions and restrictions may apply. 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 Bank checking account; consult with your branch banker for details.

⁵Bank will pay closing costs for non-purchase money credit lines up to $100,000. 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.