Home Equity Loans &Equity Lines of Credit

If you are a homeowner, Union Bank & Trust Company can help you conveniently access the equity in your home. Your home is your biggest asset and you can use it to your advantage by saving money with lower interest rates and 100% tax-deductible interest. With UB&T you can choose the equity loan program that works best for you and your family. You can borrow for any reason:

• home remodeling
• college tuition
• a wedding
• lot purchase
• or to consolidate higher interest rate debts.

With our Home Equity Loan you can choose from a fixed or variable rate. The fixed term will give you equal monthly installments that fit your budget.

With our Home Equity Line of Credit, you have money whenever you need it. It is there for unexpected emergencies, upcoming expenses or that long overdue vacation. Once your credit line is setup, you can write yourself a loan just as easily as writing a check.

Download an application for a UB&T Home Equity Loan or Equity Line of Credit, or stop in or call any of these branch offices.

Whether managing your business or household finances, it's good to have a strong partner. UB&T loan officers have expertise to work with you on all your lending needs. Being a community bank enables us to offer flexible lending programs and fast friendly service. And we care about our community and the people we serve.

At UB&T applying for a Personal Loan is simple and convenient. It only takes a few minutes to apply and we will give you an answer promptly -- in most cases the same day.

Personal Loans are available for financing new or used cars and trucks, motorhomes, recreational vehicles, and debt consolidation.

We offer:

• competitive interest rates
• flexible terms
• convenient payment options
• no prepayment penalties
• payment protection plans