Personal Lines of Credit

Explore credit line options, and choose what works for you.

Be ready for planned and unexpected expenses with a generous, low-rate credit line. With both secured and unsecured options, you'll have flexible access to funds when you need them.

What will it take to pay off my line of credit?

Important Information About These Products

Subject to credit approval, eligibility and credit qualifications.

1 Line maturity and access to available funds is determined by line amount and an annual credit review process.

2 Personal Credit Line rates will vary with the market based on the Prime Rate. The Prime Rate means the highest per annum "Prime Rate" of interest published by The Wall Street Journal in its "Money Rates" listings, which was 4.75% on 10/31/19. For a Personal Credit Line Plus, standard APRs could range from Prime + 1.99% (currently 6.74% APR) to Prime + 4.49% (currently 9.24% APR) and are based on your credit line amount and creditworthiness. . The maximum APR for loans in AL, AR, DC, GA, MD, and VA is 24%. The maximum APR for loans in TN is 21%. The maximum APR for loans in FL, MS, NC, SC and WV is 18%. For a Select Credit Line, standard APRs could range from Prime + 0.50% (currently 5.25% APR) to Prime + 1.75% (currently 6.50% APR) and are based on your credit line amount and creditworthiness. The maximum APR for loans in AL, AR, DC, GA, MD, and VA is 24%. The maximum APR for loans in TN is 21%. The maximum APR for loans in FL, MS, and WV is 18%. The maximum APR for loans in NC and SC is 15%.

3 To qualify for this line, applicants must have $100,000 in combined certificates of deposit, savings, brokerage accounts and/or investment accounts at SunTrust or another financial institution. Retirement assets, annuities, and checking accounts are not viable assets. If you have additional questions, call 800.279.4824 or visit your local SunTrust branch.

4 To qualify for this line, $100,000 or more in eligible investable assets held with a SunTrust Bank or SunTrust Investment Services "STIS" investment account is required as collateral. Certificates of stocks or bonds may also be used as eligible collateral. Collateral must be held in individual name(s) or in the name of an approved trust. Collateral cannot be held in partnerships, corporations or LLCs. Concentration may impact collateral requirements. Eligible borrowers should have sufficient liquidity to accommodate margin calls should there be a substantial drop in collateral value.

5 To be a Premier client, you must maintain $100,000 or more in deposits or eligible investable assets with SunTrust Bank or SunTrust Investment Services "STIS".

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