• Auto Loan Special

    Auto Loans from UBT

    Hit the road with rates as low as 2.99% APRꭝ

    Between today’s low gas prices and interest rates that can’t be beat, there’s never been a better time to upgrade your ride and hit the road. Now through September 30, 2020, you can choose from:

    2.99% APRꭝ on an auto loan for up to 48 months

    — OR —

    3.99% APRꭝ on an auto loan for 49 to 72 months

    Plus, we’ll waive the origination fee, and you’ll have up to 90 days before your first payment is due. If you already have an auto loan, this offer is good for refinancing, too! Save yourself some cash — or get a little extra to put toward something else.

    Your next auto loan exit now
  • Credit Card Bonus Points

    Credit Cards from UBT

    Life’s more rewarding with a UBT credit card

    With a Rewards or Signature Rewards Visa credit card from UBT, you can be well on your way to earning bonus reward points just for making everyday purchases. Open a new credit card account today and reap bonus rewards for the first 90 days, like:

    • 2,500 extra reward points after your first purchase
    • 3x points on dining out
    • 2x points on groceries
    • 1x points on everything else

    You can use your points for cash back, travel, gift cards, and more! Already have a UBT credit card? From now until October 31, 2020, you’ll also earn 3x points on dining out and 2x points on groceries, in addition to 1x points on everything else.

    Earn points with UBT
  • Payment Relief

    Help for Those Impacted by COVID-19

    We’re here for you

    If coronavirus has your finances in a bind, we’re here to help. We know these are difficult times, and we want to do everything we can to ease your burdens by providing relief for our customers.

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  • Help for Businesses

    Bankers Who Have Your Back

    We’re here to help bolster your business

    We say it a lot: Your money has people at UBT. And that’s never been more important than it is right now, with businesses of all sizes feeling the wide-reaching effects of the coronavirus pandemic.

    Learn more about the Paycheck Protection Program.

    Work from home and keep running your business
  • Wealth Management

    People You Can Trust

    The experience, professionalism, and care you need

    Fluctuating markets can create unease, but with UBT you can trust one of the largest, most experienced Wealth Management teams in the region to expertly guide you through financial, investment, and estate administration for the road ahead.

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In-Person Banking

Stop by your nearest branch

Whether you have questions, want to manage your accounts or open a loan, or just want to chat, we’re always happy to see you.

World’s Best Bank

We’ve never been happier to be #2

Recently, UBT learned that we had been named the #2 bank in the United States by Forbes. And while we’re thrilled to be counted among some of the best institutions in the country, we know none of it would be possible without our amazing customers and top-notch employees. Thank you so much for your ongoing support, trust, and relationships. We promise to keep taking utmost care of you to the best of our ability.

Head over to our blog to learn more about this honor.

Forbes 2020 World'S Best Banks

UBTgo Mobile App

Find out why our app has 4.9 stars

The UBTgo mobile app✳ is faster, sleeker, and now easier to use than ever — and judging by the reviews, our users agree! Visit your phone’s app store today to download the latest version and see for yourself how easy it can be to manage your money from anywhere.

UBTgo mobile app

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Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.


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Offers subject to credit approval; must have a credit score of 720 or higher. Minimum loan amount of $5,000 in new money. Promotional Annual Percentage Rate (APR) of 2.99% is for up to 48 month term. 3.99% APR is for 49-72 month term. For example: a $5,000 loan with 2.99% APR would result in 48 monthly payments of $110.78, and a $10,000 loan with 3.99% APR would result in 72 monthly payments of $156.41. Requires automatic payment from a Union Bank checking account. Promotion valid on 2015 models and newer on applications received August 1 – September 30, 2020. Not valid on loans in process. Cannot be combined with any other offer.

‡ Valid on Rewards and Signature Rewards credit cards. Approved applications received 08/01/20 to 10/31/20 earn 2,500 points after the first purchase, plus bonus points offer on select purchases made within 90 days of card open date. Offer subject to credit approval. For existing cardholders, bonus points offer available through 10/31/20. Bonus points offer includes: 3x points on dining, 2x points on groceries, and 1x point on all other purchases. Merchant Category Codes: Bonus points for reward categories (e.g., dining or groceries) are dependent upon the code assigned to the merchant that identifies the merchant’s primary area of business. We do not assign or have control over the codes assigned to a merchant. Similar codes are grouped into categories in order to offer bonus points to you. If you make a purchase at a merchant whose code matches a category that gives you bonus points, you will earn bonus points on the transaction.