Home Equity Loans & Lines of Credit

Let’s put your home’s equity to work for you

Use your home's value to tackle a project or finance whatever’s next in your life.

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Home Equity Line of Credit

Extra funds for whatever you need

Spending more time at home may have you dreaming of home improvement projects. Or maybe you’re looking at ways to consolidate debt or pad your emergency fund during these challenging times. No matter what you need, a home equity line of credit from UBT can help — and right now, you can take advantage of a special rate of 2.49% APR for 24 months.*

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
Brian Nelson, Loan Specialist

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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*Offer subject to credit approval. Requires automatic payment from UBT checking account. Promotional APR of 2.49% (daily periodic .0068219%) effective for a 24-month period from the date account opened. Upon expiration of the 24-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 04/20/2020 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 $215 to $790 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 06/30/2020. Not valid on
loans in process.