Union Bank & Trust Personal Loans: Home Equity Loans, Home Equity Lines of Credit, Auto Loans and Credit Cards.

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Home Equity Line of Credit
Use the equity in your home to remodel a room, replace your siding, add a deck, consolidate high interest rate loans, pay for college tuition or even take a vacation. The possibilities are endless.

Fixed Home Equity Loan
Use this for all the same reasons as a line of credit and have the security of a fixed rate and regular monthly payment.

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	Home Equity Loan	Home Equity Line of Credit
Best if you need:	One amount needed up front to cover your costs. You like the stability of a fixed interest rate and a fixed monthly payment.	Ongoing expenses, or you will not need the entire amount at the beginning of the project.
Possible uses:	Specific home improvement projects, or to purchase a vehicle, consolidate debt, finance a vacation, etc.	Long-term remodeling project, tuition or education expenses, or you desire the flexibilty to draw on the loan when you choose.
Payment options:	Fixed interest rate with principal and interest payments for a fixed term.	Flexible payments with a variable interest rate tied to the Wall Street Journal prime rate plus an interest margin.
Available terms:	See your Personal Banker for available terms	See your Personal Banker for available terms
Tax deductions:	Interest may be tax deductible. Check with your tax advisor for specific details.	Interest may be tax deductible. Check with your tax advisor for specific details.
Additional benefit:	Save .25% off your interest rate when you set up an automatic payment from your checking account.

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