Great HELOC Rates

Put your home’s equity to work with a great low rate

With a home equity line of credit from UBT, you can use your home’s value to tackle a project or finance a purchase — and right now, you can get rates as low as 3.99% APR* for 60 months, with variable rates of 5.00% APR* to 7.25% APR* after 60 months.

HELOC Promotion

Let’s tackle your next project together

Whether it’s an outdoor oasis for hosting socially distanced barbecues or a complete overhaul of your master bathroom, a home equity line of credit from UBT is the perfect way to power your project this spring. And right now, you can take advantage of great rates that put your dream remodel within reach.

Table saw
Use your home’s equity to accomplish your goals

Home improvements

Pour your home's equity back into your house by using it on home projects.

Education expenses

You can use your home's equity to help pay for your loved one's college expenses.

Debt consolidation

Pay off credit card debit and consolidate into one payment. 

Purchase a car

The equity in your home can be used for large purchases like a car. 

Ready to get started?

Our team is here to help
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Brian Nelson, Loan Specialist

ꭝOffer subject to credit approval. Requires automatic payment from UBT checking account. Minimum loan amount of $10,000 in new money. Promotional APR of 3.99% (daily periodic .010932%) effective for a 60-month period from the date account opened. Upon expiration of the 60-month period, rate will be variable equal to Wall Street Journal published Prime Rate (“index”) then in effect plus a margin. The index as of 03/01/2021 is 3.25%. Current margins range from .50% to 4.00% resulting in corresponding variable APRs up to 7.25% based on the current index. The variable rate may change monthly and is subject to minimum APR of 5.00% and a maximum APR of 16.00%. Fees to open the plan range from $220 to $815 and there is a $49 annual fee. You must also carry insurance of the property that secures this plan. Consult your tax advisor on deductibility of your interest. For applications received by 05/31/2021. Not valid on loans in process

Subject to credit approval and may change at any time. Home equity loans and lines of credit may qualify for some tax deductions. Consult a tax advisor regarding deductibility of interest. 

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