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)

Personal Loans

For everything from home improvement and car loans, to bill consolidation and recreational vehicles

  • Competitive rates
  • Payment terms to fit your needs

Acce$$ Line

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

Ready Reserve

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

Home Equity Lines of Credit 

Home Equity Loans

Click here for more information on Home Equity Loans

Home Mortgages

Click here to check out our new Mortgage site

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