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Four Oaks Bank offers a complete line of lending and financing services to help you manage life. Whether it’s day-to-day purchases, your dream home, or the unexpected, we can help you with a solution.
Contact a Four Oaks Bank Loan Officer for complete details on any of our Personal Credit Services.
Credit Cards
Four Oaks Bank offers a variety of both Visa® and MasterCard® revolving credit products. Whether you pay off your credit card balance every month, or carry a balance from month to month; whether you use your credit card for daily purchases or big-ticket items, we have the credit card that’s right for you. We invite you to shop and compare.
Service Features
These features apply to all Visa and MasterCard products offered by Four Oaks Bank.
 Scorecard Bonus Points -- Each purchase you make with your Four Oaks Bank Visa or MasterCard earns you valuable Bonus Points you can redeem for brand-name merchandise and exciting travel rewards. - $20 annual fee is waived for the first year.
- No annual fee for 1912 Charter Club customers.
- $10 late payment fee.
- No fee for balance transfers.
- No fee for cash advances.
- No over credit limit fee.
- No minimum finance charge.
Select the credit card plan that’s best for you and the way you use revolving credit.
Classic VISA or Classic MasterCard
- Credit Limits from $500 to $2,000.
- Enjoy these additional services:
- ScoreCard Bonus Points
- Automatic Travel Accident Insurance
- Extended Warranty
- 90-Day Product Protection
- Toll-Free Travel Reservation Service
- Bonus Travel Dividends
- Automobile Rental Discounts
- Automobile Rental Insurance
- Credit Card Registration
- Key Registration
- Travel Protection:
- Lost Luggage Locater Service
- Lost or Damaged Luggage Insurance
- Hotel/Motel Theft Insurance
- Medical Assistance
- Concierge Service
- Quarterly Newsletter
VISA Gold or Gold MasterCard
- Credit limits from $2,000 to $5,000
Add the following services to those listed above:
- Vision Care
- Discount Pharmacy
- Personal Shopper
Visa Platinum or Platinum MasterCard
- Credit limits of $5,000 and above.
Add the following additional services to those listed above:
- Concierge Service
- Travel Accident Insurance
- Preferred Customer Service
- CardCentives Privilege:
- Identity Theft Insurance of $1,000
- Identity Victim Assistance
- Payment Card Registration
- Travel Reservation Service
- 90-Day Product Protection
- Extended Warranty
- Personal Shopper
(Add Link to Scorecard website here)
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Consumer Loans
Four Oaks Bank offers consumer loans for a wide range of purposes. From a new car to home improvements, from college tuition to a wedding, as well as the unexpected; whatever your needs or wants, we can help you obtain the resources with a consumer loan from Four Oaks Bank. Simply contact your Four Oaks Bank branch office.
Service Features
- Competitive rates.
- Flexible terms.
- Quick response.
- Local decisions.
- Receive a .50% discount when you have your loan payments automatically drafted from your Four Oaks Bank account.
Types of Personal Loans include, but are not limited to:
- Automobile Loans
- Boat and RV Loans
- Debt Consolidation Loans
- Home Construction Loans
- Home Improvement Loans
- Most any purpose
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Home Loans
Whether in-house or through our affiliate, Four Oaks Mortgage Company, you have access to a variety of residential real estate loans, one of which is sure to meet your specific needs.
- Purchase / Refinance Loans
- 100% Financing
- FHA
- VA
- Investment Properties
- Second Homes
- Rural Properties
- Interest Only Loans
- Jumbo and Super jumbo Loans
- Credit Challenged
Not only do we finance home construction, you can save money by converting your construction loan to permanent financing with Four Oaks Bank.
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Home Equity Loans
You’ve worked hard to build the equity in your home, now put that equity to work for you with a Home Equity Loan from Four Oaks Bank. Use funds for a large purchase, home improvement or debt consolidation.
Service Features
- No closing costs for lines of credit greater than $20,000.
- The interest you pay may be tax deductible.*
- Loans up to 80% of appraised value minus the balance of any first mortgage loan, OR
- 90% of the tax value.
- $5,000 minimum loan amount.
- Access funds with free, personal checks or direct cash advances.
- Flexible payment methods.
- Home Equity Loans have a 15-year credit term with minimum monthly payments of 1.5% of the outstanding balance or a $100 minimum payment.
- All Home Equity Loans are subject to credit approval, verification, and evaluation of collateral.
*NOTE: Consult your tax advisor for deductibility.
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PRA - Overdraft Protection
Personal Reserve Account (PRA) is our pre-approved checking credit line and overdraft protection, available to you anytime, anywhere. You can use it for special purchases, emergency cash, or protecting your checking from unexpected overdrafts. As you repay PRA, it becomes available to use again.
Service Features
- Competitive rates and flexible payment terms are available.
- There is no charge to establish a PRA account and no annual fee.
- Finance charges only accrue when you use PRA.
- Funds are advanced to your checking account in increments of $100.
NOTE: PRA is not available with Free Checking accounts.
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