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Home Equity Special


Lock in a Small Rate

to achieve your big ideas.

Maybe that awesome ‘80s laminate is looking totally drab. Or the water-damaged bathroom could use a serious update. Whatever you need to improve on your home, you have options with a HELOC from UBT. Lock in a low rate for 48 months, or an even lower rate for 12 months. Plus, with a 10-year term, you’ll be able to use – and reuse – your HELOC for future projects. At UBT it’s all taken care of.



A Cook's Dream Kitchen

  • Countertops
  • Cabinetry
  • Flooring
  • Lighting
  • Appliances
  • Add an Island
  • Walk-in Pantry
  • Skylight

New Finishes in the Bath

  • Updated Tile
  • New tub
  • Flooring (with heat!)
  • Vanity
  • Lighting
  • Shelving & Storage

A Cozy Gathering Place

  • Add a Fireplace
  • Sectional & Furnishings
  • Carpet
  • Lighting
  • Heating & A/C
  • Smart Home Controls
  • Entertainment System
  • Painting Ceiling & Walls

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*Subject to credit approval. Offer is for new loans only with a minimum loan amount of $10,000. Promotional APR of 2.99% (daily periodic .0081918%) effective for a 12 month period from the date account opened or APR of 5.49% (daily periodic 0150411%) effective for a 48 month period. Upon expiration of the promotional period, rate will be variable equal to the Wall Street Journal published Prime Rate (“index”) then in effect plus a margin. The index as of 2/2/2018 is 4.50%. Current margins range from .50% to 3.00% resulting in corresponding variable APRs up to 7.50% based on the current index. The variable rate may change monthly and is subject to a minimum APR of 5.00% and a maximum APR of 16.00%. Fees to open the plan range from $310 to $980 and there is a $49 annual fee. You must also carry insurance on the property that secures this plan. Consult your tax advisor on deductibility of your interest. For applications received by 4/30/2018. Member FDIC