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Online Banking Agreement

Features and Disclosures

Member FDICEqual Housing Lender


Whether you need cash for a new purchase, home improvements, to consolidate your debt, or to finance a new or used car, new or used boat, or Recreational Vehicle (RV), we have the resources and expertise to make it a fast, easy, and enjoyable process. In addition Visa® and MasterCard® Platinum Advantage Credit Cards are available.

Contact a Private Banker to get started or visit any OBX Bank for more information.

Home Equity Line of Credit

A revolving line of credit secured by the equity in your primary or secondary residence (investment and rental properties excluded). As the line is paid down, the funds become available again.


  • Provides Overdraft Protection on your checking account
  • Minimum line amount: $25,000
  • Rate discount for auto debit from an OBX Bank checking account or qualifying deposit relationship
  • Interest paid may be tax deductible (client should consult tax advisor)
  • Credit line accessible by Equity Line Checks
  • Monthly Interest-Only payment on equity line
  • Subject to credit approval

Vehicle Loans

We make it a fast, easy, and enjoyable process for clients who need financing for the purchase of a new or used car; new or used boat; or Recreational Vehicle (RV)


  • Minimum loan amount is $2,500
  • Fixed rate and term for stable monthly payment
  • Flexible loan terms available
  • Maximum Financing:
    • 90% of the sales price for new cars
    • 100% of the NADA Loan Value for used cars
    • 75% of the sales price for new boats
    • 70% of the sales price for used boats
    • 75% of the sales price for RVs (new to 5 years old)
    • .25% rate discount for auto debit from an OBX Bank checking account
  • Fast turnaround time
  • Choice of coupon book or statement
  • Subject to credit approval


Conventional, Jumbo, FHA and VA options - We offer custom solutions for every residential mortgage-financing situation. Whatever your financing needs, we will tailor a loan that’s right for you.

VHDA & First Time Home Buyers Programs - We have a variety of home mortgage loans available for both first-time buyers and repeat homeowners to help low- and moderate-income clients attain quality, affordable housing.

Reverse Mortgage - A reverse mortgage is a unique loan that enables senior homeowners over the age of 62 to turn their home’s value into cash without having to sell the home, give up title or take on new monthly mortgage payments.

Other Programs Available to Finance

  • Second Homes or Investment Property
  • 2-4 Unit Properties
  • Jumbo Loans (Loan amounts over $417,000)
  • Government Loans (VA and FHAs)
  • Adjustable Rate Mortgages: 3/1, 5/1, 7/1, 10/1
  • Interest Only Fixed Loans: Interest only for the first ten years, then principal and interest for the remaining 20 years

Construction Perm

Construction Perm Loan - So that you can worry less about financing and focus more on the details of your new home. In addition to long-term rate locks, we can offer a one-time close that helps clients save money by not paying two sets of closing costs.

Renovation/Repair Loan - This is similar to our construction offering, but is for the renovation or repair of an existing home; it features a “subject to” appraisal so that the value includes the proposed improvements. OBX Bank handles draws directly to your builder.

Lot Loan - Building a new home can be an exciting prospect. OBX Bank offers land-only financing as the first step toward building your dream home or vacation getaway. Our Lot loan will allow you to purchase the lot while continuing the process of finalizing your construction plans.

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