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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 from the date account opened. 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.