Home Equity Loans
HELOC Special!
Make your home with our 6.25% *APR Home Equity Line of Credit Special. Schedule an appointment below to speak with a Union Bank Mortgage Banker today!
APR*= Annual Percentage Rate. Subject to credit approval. Property insurance required for all loans secured by property. Must be on primary residence. Rate, terms and conditions effective 12/19/2024 for applications received through 12/31/2024. Requires an active Union Bank Deposit account with automatic payments from subject loan being made from the same account. This product has a 10-yeardraw period, after which no additional draws can be made. Following the draw period an additional 10-year repayment period amortized to conclude loan at the end of 240 months. During the draw period, there is an introductory discounted variable rate in effect for the first 6billing cycles, based on 1.25% discount resulting in an APR below the Wall Street Journal published Prime Rate. Thereafter, the rate will be based on the Wall Street Journal Prime Rate plus a margin. Maximum APR is 18.00%. Maximum Combined Loan to Value is 80%. Offer is available for new Home Equity Line of Credit accounts only. An annual fee of $100 applies. Union Bank reserves the right to discontinue the offer at any time. Other restrictions may apply, see Bank for details.
Start getting the most out of your home’s equity
Get access to quick cash or a term loan for more long-term needs with a Union Bank Home Equity Loan. We offer both a revolving Home Equity Line of Credit and a Closed End Home Equity Loan with credit limits up to 90% of your current appraised value (less any first mortgage balance).*
Home Equity Line of Credit
Write yourself a loan for whatever is important to you with our Home Equity Line of Credit. Use what you need, when you need it.
Union Bank Home Equity Line of Credit Features:
- Variable Interest Rate
- Revolving Line of Credit
- Monthly Interest Payments
Closed End Home Equity Loan
This one-time, lump-sum, term loan is great for home repairs, a large purchase or debt consolidation. Fixed monthly payments and fixed interest rate.
Union Bank Closed End Home Equity Loan Features:
- Fixed monthly payment for a specified period of time
- Fixed interest rate until maturity
- Customizable amortization
How we can help you
We are happy to answer questions and help you find the loan that will work best for you. Visit your nearby Union Bank branch today or give us a call at 800-974-3273 to set up an appointment with an advisor or begin your application online.
*All loans subject to approval with rates varying based upon credit history and underwriting guidelines. Rates and terms are subject to change without notice. Property insurance is required. Home equity products are available as a first lien or a second lien. Other restrictions may apply. Union Bank NMLS# 488568