Auto loans
Whether you’re buying, refinancing, or using your car as collateral, we can help. Find out what you can afford, how much you can borrow, and more, starting with a free pre‑approval.
Home equity
Ready to remodel? Whether you’re handy with a hammer or prefer to hire a contractor, our home equity solutions use the value of your house to make you feel right at home.
RV loans
Get the comforts of home, on the road, with a loan for an RV or motor home. We’ll help take care of all the details with competitive loan rates, no prepayment penalties, and flexible terms.
Ready loans
Quick. Easy. Hassle-free. Put your loan request on the fast track with a streamlined application, no collateral or appraisal, no prepayment penalties, and quick access to your funds.
U-fi Student Loans
A smarter way to pay for education
Consolidate your high interest rate education loans into a lower monthly payment or apply for a new loan to fund your education dreams – either way, we’ve got you covered. U-fi student loans are a partnership between UBT and Nelnet. With great rates and no origination or prepayment fees, we make U-fi student loans the easy choice.
3 easy ways to pay your loan
Whether you pay online, via check, or in person, making payments to your loan is easy as can be.
Frequently Asked Questions
APR stands for "annual percentage rate." It is the annualized cost of credit, expressed as a percentage. The APR calculation considers certain fees to reflect the cost of credit in addition to interest.
The minimum credit score for an auto loan is 650.
The minimum credit score needed for a ready loan is 670.
A Home Equity Line of Credit (HELOC) is a revolving loan that provides you with the ability to borrow funds at the time and in the amount you choose, up to a maximum credit limit for which you have been approved. A HELOC is secured by the equity in your home. You can easily access your HELOC through your existing UBT checking account via online or automatic transfers, or set up a separate HELOC checking account for convenient access through a HELOC Visa Debit Card.
Both a Home Equity Loan and a Home Equity Line of Credit (HELOC) are secured by the equity in your home.
A Home Equity Loan has a fixed rate, payment and term.
A HELOC works like any other revolving line of credit and is very similar to a credit card. It allows a homeowner to use the equity in his/her home on an ongoing basis. You can easily access your HELOC through your existing UBT checking account via online or automatic transfers, or set up a separate HELOC checking account for convenient access through a HELOC Visa Debit Card. The interest rate on our HELOC is variable and will change from time to time.
Please consult your tax advisor regarding the deductibility of interest for home improvements.
You can access your funds any time you choose, for any purpose. Home equity lines of credit are often used for larger purchases like home improvement, college tuition, automobile or second home purchases, or the consolidation of high interest-rate debt.
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Loan products subject to credit approval.
