BB&T Associate Lending Options

Find the financing option that meets your needs

Get great offers on mortgage, home equity and auto loans.

All we see is you

As a way of saying thank you for everything you do to make BB&T successful, we're proud to provide the enhanced Associate Banking program. The program provides more privacy, easy access and benefits available only to associates. Why? Because you deserve it.

Mortgage

BB&T Home Mortgage associate benefit

BB&T associates who plan to buy, build or refinance a primary residence can reap additional benefits by taking out a mortgage where they work.

BB&T Home Mortgage provides associates with the following perks:

  • Get the amount equal to 1% of your mortgage loan amount as a credit on any BB&T first mortgage
  • No fee to waive escrows for taxes and insurance on a conventional mortgage if the loan-to value is less than or equal to 80%

How to get started

As you buy your home with BB&T, you can be assured that your personal financial information will be secure. Choose one of the options below to begin your mortgage process:

Home equity

BB&T home equity loan

A BB&T home equity loan offers a fixed rate and payment schedule and can be secured by the equity in your primary or secondary residence. You can use the equity in your home to help pay for education expenses, home renovations and much needed vacations.

Get started online

BB&T home equity line of credit

You should also consider the option of using a flexible credit line that lets you borrow the money you need only when you need it. Get a free quote today and see what your home can do for you. You can use a home equity line of credit for large purchases or unexpected expenses. BB&T associates qualify for:

  • 0.25% rate discount
  • No closing cost option
  • Flexible credit line

Personal loans

Personal loan & line of credit

Use your personal net worth to obtain a revolving line of credit to manage expenses such as education, home remodeling, automobile purchasing or debt consolidation. BB&T associates may qualify for lower rates on personal loans and lines of credit. Let us help you find the personal loan that's right for you.

  • Low fixed rates
  • Other rates and terms available
  • Origination fees are waived
  • Discount of 0.25% on new retail loan or line of credit

Auto loans

For new auto purchases

If you're in the market for a new vehicle, your local Dealer Finance Center can help you find the perfect deal. Already know what you're looking for? Call your local Dealer Finance Center and we'll help determine which local dealership best suits your needs.

How it works

  1. Determine what vehicles you're interested in, and then call your local Dealer Finance Center. (See the map on the voucher below.) We'll help find the right dealer in your area.
  2. Print this voucher (PDF) for your preferred rate, and take it to the dealership when you purchase your new vehicle.
  3. Present your voucher at the dealership, so they'll know you're a valued BB&T associate and will include your voucher in your loan package.

For refinancing, private party transactions, or purchases from a non-franchise dealer

If you're looking to refinance your auto loan, get cash out, shorten your term, buy from a private seller or buy from an independent dealer, the BB&T Associate Banking Center can help you. In fact, for everything except purchasing from a franchise dealer, we can offer you a discount.

How we protect your privacy

Associate Banking is committed to ensuring that each of our associates and retirees experience the highest levels of confidentiality and respect. We have a centralized team responsible for preventing non-business access to associate account information. To protect your privacy, we display and record a Code of Ethics warning message when an associate attempts to view client and/or account information of another associate.

Ready to get started?

By email

Have an associate banking team member contact you.

In person

Locate a branch.

By phone

855-BBT-FORU
(855-228-3678)

Monday - Friday 8 am to 6 pm ET.

Still exploring?

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Related services

Checking and Savings for BB&T Associates

Enjoy the best checking we offer with an Elite Gold checking account. Take advantage of no monthly maintenance fees or minimum balance requirements. Plus, you'll get additional discounts on other features.

Credit Cards for BB&T Associates

Receive a BB&T Credit Card with preferential annual percentage rates (APRs) on purchases, balance transfers and cash advances.

Investment Services for BB&T Associates

Trade online through BB&T Investments self-directed brokerage and get a free financial consultation.

McGriff Insurance Services

All BB&T Associates and retirees can take advantage of competitive insurance rates through the nation's top-rated agencies.

  • 1

    Offer excludes 15 Year Fixed Equity Program (Product 135).

  • 2

    The client may choose for the bank to pay their closing costs if the requested loan amount is ≤ $500,000. If you pay off your BB&T Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs BB&T paid on your behalf. A Texas resident who has financed or refinanced a homestead or home equity in the previous 12 months may not be eligible for another homestead of home equity loan based on state law. There is a $50 annual fee in AL, GA, FL, KY, OH, NJ and IN. Property insurance and flood insurance where applicable, may be required. These programs are subject to change at any time.

  • 3

    This privacy commitment does not pertain to mortgage lending.

A BB&T credit card, loan or line cannot be paid through a balance transfer. Continue to make payments on the existing loan or line until the transfer is posted and complete. Transfer balances are available up to your purchase credit limit. Fees and finance charges will reduce the available purchase credit limit.

Only deposit products are FDIC insured.

Loans, lines of credit and credit cards are subject to credit approval. Offer may not be combined with any other offer or campaign.

Some loan products not available in all states.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.