^*Offer available through April 30, 2021. Rates as low as 4.51% APR (annual percentage rate) available with a 60-month or less term, with an automatic payment plan using a Gate City Bank checking account. To qualify for 120 days with deferred payments, loan-to-value must be at 90% or less on a purchase loan. Current loan qualifications apply. Other terms and conditions may apply. Offer not valid on refinanced loans or Gate City Bank lines of credit. This deferred payment program may be terminated at any time without notice. Interest will accrue during the no payment period. Loan protection insurance products purchased with the loan expire on the original maturity date. Terms and rates subject to change. Loan payment example: A $25,000 recreational loan at a 4.33% interest rate for 60 monthly payments of $464.15 will have a 4.51% APR.