Personal Secured — Genesee Regional Bank is a personal line of credit from Genesee Regional Bank. The ongoing APR is 8.00% (Prime + 1.00%); APR* w/Deposit Relationship** 7.00% (Prime + 0.00%); All secured personal lines of credit have floors of 4.00% and ceilings of 15.00%.. Typical credit limit: $2,000 – $1,000,000. Loan terms: 3 year draw/3 year term.