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Loans
UB Mortgage
At United Bank we want to make your dream home a reality. Before you meet with your realtor, complete our real estate pre-approval application and try our online mortgage calculator to help you in assessing how much house you can afford.
Secured online pre-approval application
Fixed Rate and Variable Rate Mortgages
- Long term financing available
- No prepayment penalty
- Construction loans available**
- Visit The Home Buyer Resource link
**Call or E-mail one of our real estate specialists for more information on terms and rates on our construction loan program. Click here to meet our loan originators.
Home Equity Line of Credit
- New York prime + .25** ***
- No annual fee
- 60-month term
- Tax deductible*
- Easy access to funds -Apply Online
*Consult tax advisor regarding interest deductibility
**Assumes equity to be 20% or greater
***Prime rate is 5.25% as of March 20, 2008
Vehicle Loans – New and Used
- Flexible terms
- Competitive rates
- Automatic payments available
- No prepayment penalties
- Fast approvals
Call one of our Personal Bankers to check on the book value of a car before you buy.
Boats, Recreational Vehicles, ATV’s
If you are in the market to purchase a new or used boat, ATV, or that recreational vehicle of your dreams, call your personal banker. We make it easy, and our rates and terms compare competitively to a dealer. For additional information call one of our Personal Bankers or E-mail us.
- Installment loans vs home equity
- Calculate a loan payment
Repayment Options
- Automatically deduct payment from a United Bank Net-Check account
- Set up direct deposit from your employer
- Pay by mail
- Pay in person at any one of our five branch locations
- Call United Bank's 24-hour Touch Tone Banking service
Payment Protection
Credit Life and Accident & Health Insurance are available on most loans. This insurance is optional, however we strongly urge you to protect yourself and your family from the inability to make your loan payment due to accident, illness, or death.
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