Loans
Whether you need a consumer, commercial, or real
estate loan, talk to a Union State Banker today. All
of our decisions are made locally and you’ll get the answer you need within
a day - often within only an
hour! Plus, you may even receive a .50% interest rate discount when your loan
payment is
automatically deducted from your Union State Bank checking account
(not applicable on all loan products)
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All
For everything from home improvement and car loans,
to bill consolidation and recreational
vehicles
- Competitive rates
- Payment terms to fit your needs
Similar to a credit card, this revolving line of credit
lets you pay down and draw back again,
as often as you like.
- Advance by phone, Internet, or as an overdraft feature on your
checking account
- Low monthly payments
- Lower interest rate than most credit cards
- Flexible and convenient
- Intended for credit lines of $5,000 or more
Provides overdraft protection on your checking account. Funds
will automatically advance
from your ready reserve line.
- Make as many advances ar you need up to your approved limit
- Advance by phone, Internet, or on our 24-hour Dial-A-Bank
service
- Great for emergencies or special purchases
- Intended for credit lines ranging from $100 to $5,000
Enjoy flexibility and freedom with
the equity in your home. Turn the equity in your home into ready
cash for
home improvements, college expenses, debt consolidation, and more!
- Advance and pay down as often as you like,
up to your approved limit
- Low variable rates
- Variable payment amount (a percentage of your outstanding balance)
- Possible tax deduction
Use the equity in your home to finance almost anything.
- Low
fixed rates
- Fixed monthly payments
- Possible tax deduction
Buying or refinancing is one of the most important
financial decisions you’ll
ever make...and possibly one
of the most stressful. After all, a home mortgage loan is the largest contract
most of us will ever sign. Add to
that the unfamiliar terminology and the endless stacks of legal documents, and
it’s not surprising that many
people are confused by the whole experience. Buying a home doesn’t need
to cause headaches. In fact, with
a little preparation and the right attitude, it can even be fun!
- Buying a home is an important financial investment
- Renting is more expensive than buying in the long run
- Most homes increase in value over the years
- Owning a home may bring tax benefits
- You may want to use the equity in your home to get “cash
out” for
home improvements or other needs
- Home improvements can be made with a “cash-out” refinance
- You may shorten the term of your loan, thus paying less interest
and acquiring more equity in your home
- Reduce your monthly payment by combining your current first
and second mortgage payments
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Personal Loans
