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.
Home Equity Loan
For those who need a specific amount of money up-front to cover the cost of a specific project or purchase.
Special Low Rates
Life happens with a HELOC
With a home equity line of credit (HELOC) from UBT, you can leverage your home’s equity to finance the things that make life memorable, from weddings and vacations to home improvement projects and beyond. And with a promotional rate of 3.99% APRꭝ for 60 months (after that, variable rate of 5.00% APRꭝ–8.00% APRꭝ), the time to apply has never been better.
Ready to Get Started?
Quick and easy, with no collateral required.
We’re here for you when it’s time to upgrade or refinance your ride.
We’ll find the right loan for you to make that new house your home.
Use your home’s value to tackle a project or finance whatever’s next in your life.
Enjoy the comforts of home, on the road.
ꭝOffer subject to credit approval. Requires automatic payment from UBT checking or savings 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 05/05/2022 is 4.00%. Current margins range from .50% to 4.00% resulting in corresponding variable APRs up to 8.00% 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 rate 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 05/31/2022. Not valid on loans in process. Member FDIC.
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.