Home Equity Lines of Credit (HELOC)
A Home Equity Line of Credit (HELOC) allows you the flexibility to decide when you want to use your credit line, and for what purpose.
HELOCs for every season of life.
- Variable interest rate.1
- Revolving credit allows you to borrow against your home equity, repay, and borrow again.
- Flexible payment options, including principal and interest or interest-only payments.
- Get a 0.25% interest rate reduction when you make automatic payments from your Union Bank checking account.2
- Interest paid may be tax deductible.3
- Access your funds in a branch or through online banking.
Non-owner occupied HELOCs available. Ask your local lender for more details.
What's the available equity in your home? With our Home Equity Calculator, you can calculate your home's approximate value to get an estimate of how much you can borrow.
All lending products are subject to credit application and approval. The term of a Home Equity Line of Credit (HELOC) is 10 years. Conditions and restrictions may apply. Ask us for details. NMLS 433131, Equal Housing Lender.
1 The HELOC has a variable interest rate that may increase or decrease based on adjustments to the Wall Street Journal Prime Rate, which could change multiple times during the life of the loan.
2 To receive the 0.25% interest rate reduction, you must sign up for Automatic Payments from your Union Bank checking account to your HELOC prior to the closing of your HELOC. If you cancel your Automatic Payments at any time during the life of the loan, the 0.25% interest rate reduction will be revoked. The 0.25% interest rate reduction may not be combined with certain other discounts or promotions. Other terms, conditions, and/or limitations may apply. Contact your local Union Bank Lender for more details. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.
3 Please consult your tax advisor.
Vehicle Loans
Autos, boats, motorcycles, RVs, and more! Shop with confidence with a Union Bank Vehicle Loan.
Not sure what to look for when buying a new car? This "Getting a Car" article from The U Bank Financial University provides the pros and cons to buying new or used as well as a calculator to help you determine your best financing options!
All lending products are subject to credit application and approval.
Personal Loans
Our Personal Loans are well...personal. We're here to provide financial support for unexpected expenses, emergencies, etc. With a Personal Loan we have flexible terms to fit your budget.
Need help with budgeting, we've got a tool for that. The U Bank Financial University provides a variety of calculators, articles and coaching sessions to help you set, and stick to a budget. Check out the Budgeting series to get started.
All lending products are subject to credit application and approval.
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