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Sometimes a small loan can make a big difference.


High Point Bank has personal loan products for nearly every need and situation. Our local decision-making allows us to provide the banking relationship and customer service that larger banks often just can't offer.

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Credit Cards and Loans

Existing credit-card customers can access their account by clicking the button below.

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Personal Loans

Funds are available to well-qualified customers for home improvement, debt consolidation and other financial needs. High Point Bank offers personal loans tailored to your specific financial needs and goals.

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Personal Lines of Credit

High Point Bank offers unsecured lines of credit to qualified individuals. These convenient lines can provide overdraft protection on a checking account or fulfill small short-term borrowing needs.

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Home Equity Lines

A convenient line of credit that’s available when you need it. Interest is tax deductible in most cases (please consult your tax advisor for information regarding deductibility). Our Home Equity services allow you to acquire cash at attractive rates for major purchases, unexpected emergencies and other needs.

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It’s easy to open, with no cost to close. There are no bank fees, no attorney fees, no appraisal fees, no credit reporting fees. Just the great service and due diligence you have come to expect from High Point Bank.

One-Year Variable Introductory Rate: Prime – 0.25%APR*

Rates based on published WSJ Prime. Offer applies to Lines originated between Dec. 1, 2014 and Nov. 30, 2015.

After first year, variable rate is dependent upon line size:

Line Size - Variable APR*

$10,000–$24,999 - Prime + 1% 

$25,000–$49,999 - Prime + 0.5% 

$50,000(+) - Prime


**Offer valid for new lines of credit or for qualifying renewals on primary and second homes located in NC, SC, and VA. Approval required. No advance required. Maximum Loan-To-Value: 80%. Minimum line amount required is $25,000. Payment options available. Home Equity Lines of Credit are subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations and exclusions may apply. The home equity line of credit Annual Percentage Rate (APR) is variable and is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the "Index"), plus a margin. The index as of February 28, 2015 is 3.25%. Minimum APR is 2.50%; maximum APR is 16%. Hazard, title and flood insurance may be required; if so, these costs are not paid for by the Bank. Consult your tax advisor regarding deductibility of interest. Offer subject to change at any time.

Vehicle Loans

When you’re ready for a new ride, our vehicle loan services can put you in the driver’s seat. Our simple interest loans feature attractive rates, low monthly payments and no prepayment penalties.

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Mortgage Loans

Whether it’s your dream home or a starter, we offer convenient mortgage loans at attractive rates. Both fixed and variable rates are available with terms to fit your financial needs.

To help you in your decision-making, High Point Bank offers the following loan-related financial calculators .

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Credit Cards

High Point Bank offers a variety of credit cards from Visa®, American Express® and Discover® to meet your needs. Become a card member and enjoy a wide range of benefits, including competitive introductory rates and your choice of rewards programs.

You can even feature your favorite photo on your credit card. It's easy to do and a fun way to show your personality whenever you shop.

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Prepaid Cards

Pre-paid Visa® Gift Cards, Visa Travel Cards and Visa Reloadable Cards are available for various purposes. Fees and limits may apply.

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Cardholder account access

Online account access provides the quickest and easiest way to activate your card, make payments, transfer balances, request limit increases, view statements and much more.

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