Personal & Residential
We’re here to help! Whatever your personal borrowing needs, United Bank & Trust Company can provide solutions to help you meet your financial goals. We offer competitive rates, low fees and practical repayment terms. Loan decisions are made locally and quickly.
Ready Reserve (Overdraft Protection)Eliminate the needless expense and embarrassment of overdrafts with our Ready Reserve line of credit. Automatic advances are made from your Ready Reserve Line of Credit into your checking account when your account is overdrawn. Pay all or part of your Ready Reserve balance at any time, or let Ready Reserve make automatic payments for you each month.
Home Equity LoansFix it! Remodel it! Consolidate it! Trade it! Use the equity in your home for convenient, all-purpose borrowing. Benefits include flexible rates and terms, along with the potential tax deductibility of interest (consult your tax advisor for details). Regardless of the purpose of the loan, United Bank & Trust Company home equity loans can give you the borrowing power you require, for the things you need.
Home Equity Lines of Credit (HELOC)
Have the flexibility to buy what you need, when you need it! With a HELOC from UBTC your homes equity can work for you when it’s time for:
- Educational expenses
- Debt consolidation
- A new vehicle
- Home improvements
- A well deserved vacation
Let us help you put your house to work – today!
Titled Vehicle LoansWhether you are looking to upgrade your car, pickup, motorcycle, boat, camper, or recreational vehicle, United Bank & Trust Company has the loan for you. Take advantage of our competitive rates and fast turn around times. Visit with our lending staff to see if you qualify for a .25% interest rate reduction when you utilize our automatic payment feature.
Personal Loans for any Reason
If you find yourself needing money for any of the following reasons (or others we haven’t thought of), we can help. Weekly, bi-weekly, monthly, or bi-monthly payment plans can be customized to fit your lifestyle and budget.
- Wedding Expenses
- Lawn Mowers, ATV’s, & Snowmobiles
- Kitchen Appliances
- Unexpected Emergency
- Debt Consolidation
All loans are subject to credit approval. Contact us today for more information or to get started financing your dreams!