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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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Find a Branch Near You

Home Equity Loan

For those who need a specific amount of money up-front to cover the cost of a specific project or purchase.

Fixed interest rate
Consistent monthly payments

Home Equity Line of Credit

For those who need a flexible solution that allows access to money when you need it, covering ongoing expenses or a long-term project.

Pay variable interest only on the money you’re using
Flexible payments
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

Loan Offerings

The right loan for any situation

Ready loan

Quick and easy, with no collateral required.

Auto loans

We’re here for you when it’s time to upgrade or refinance your ride.

Home loans

We’ll find the right loan for you to make that new house your home.

Home equity

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

RV loans

Enjoy the comforts of home, on the road.
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Frequently Asked Questions

How does a Home Equity Line of Credit (HELOC) work?

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.

What is the difference between a Home Equity Line of Credit (HELOC) and a Home Equity Loan?

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.

What are some ways I can use my Home Equity Line of Credit (HELOC)?

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. 

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.

Need More Help?

Contact an expert near you
Seth Patrick
Seth Patrick
Branch Manager
Find a Loan Specialist Nearby
Call 888.828.4450

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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