Auto & Personal Loans

Flexible financing to help you achieve your goals — today

Whether you’re looking for a new vehicle, starting a home renovation project, or consolidating debt, we’ll help you find the right loan for your needs.

0% Credit Card Offer

Find your financial zen

The holidays are over, a new year has started, and it’s the perfect time to lose some credit card baggage and resolve to bring your finances into balance. A new credit card from UBT can help you do just that! Open a new account, and you’ll get 0% introductory APR° for 12 months on balance transfers completed within your first 60 days — plus 0% intro APR* on purchases for 12 months, too. (After that, variable APR 14.00–20.00%.) It’s the perfect way to tackle your financial resolutions and start your year fresh.

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Big Purchase Calendar

Free download: The best times to make big purchases

Patience is a virtue, but it’s also a great way to save money. We put together a calendar of when popular (and pricey) items typically go on sale. It's a savvy shopper's guide to the best deals each month. Get yours today, and happy shopping!

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Home Equity Loans & Lines of Credit

Put your home equity to good use

If you’re spending more time at home than usual due to social distancing efforts, now might be a great time to tackle some home improvement projects with a home equity loan or line of credit from UBT. You could also use your home's equity to pad your emergency fund during this challenging time. No matter your approach, a home equity line of credit is a great way to use your investment to your advantage.

Frequently Asked Questions

What does APR stand for, and how is it calculated?

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.

Is a HELOC tax-deductible?

Interest on a HELOC or a home equity loan is deductible if you use the funds for renovations to your home — the phrase is “buy, build, or substantially improve.” The caveat here is that the money must be spent on the property whose equity is the source of the loan. (We strongly encourage you to consult your tax professional for guidance that applies to your own unique circumstances.)

Is a HELOC better than a credit card?

That totally depends on your circumstance, and it’s certainly not an either/or situation. But typically, your available balance on a HELOC is higher than a credit card, and because this line of credit is secured by your home, HELOC interest rates are generally lower than what credit cards offer. That’s why it works well for large projects, leaving your credit card free for the everyday stuff.

How do I pay on my HELOC?

This part is really easy, especially if you have a UBT checking account. You can make a payment on your HELOC in any local branch, online within UBTgo, or on your phone using the UBTgo mobile app (message and data rates may apply).

I’m paying off the balance on my HELOC before it’s due. Now what?

You can choose to pay off any remaining balance owed against your HELOC at any time. If you pay off your HELOC balance early, you have the option of leaving it open for future borrowing.

How do I know how much to pay?

You can make interest-only or principal-plus-interest payments the entire term of the HELOC if there is an outstanding balance. (Note: If your credit score does not qualify you for interest-only payments, you’ll pay 1% of the principal plus interest.) It’s worth noting that additional principal payments, if you can make them, would reduce the amount of your monthly payments. This information (principal, interest, and payment details) is always readily available to you, and you can set up an automatic payment for your convenience.

Loan products subject to credit approval.

°Offer subject to credit approval. Valid on approved Rewards and Signature Rewards credit card applications received between 11/01/21 to 02/28/22. *Introductory 0.00% APR for 12 months from date of account opening on purchases. Introductory 0.00% APR for 12 months from date of account opening on balance transfers made within 60 days of card open date. Balance transfer fees waived on transfers made within 60 days of card open date. After introductory period ends, the standard variable APR for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. As of 01/20/22, the standard variable APR for purchases is 14.00% – 20.00%, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Fees include foreign transaction fee of 3% of each transaction in U.S. dollars. After introductory period ends, balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, applies.