Get more.

RATES AS LOW AS

4.49% APR*

A Union Home Equity Line of Credit gives you the freedom to do the things you've always wanted to do. Get started on home renovations, pay down high-interest-rate credit cards and more.

  • No application fee
  • Low interest-only payments
  • Use as much or as little as you need
  • No closing costs**
  • Interest may be tax deductible¹

Gather this information and you'll be able to speed through the application.
QUICK APPLICATION CHECKLIST >

Find out what a home equity line of credit is, how it works and more.
FREQUENTLY ASKED QUESTIONS >

renovate your home
RENOVATE YOUR HOME
pay for college
PAY FOR COLLEGE
consolidate dept
CONSOLIDATE DEBT
buy a car or boat
BUY A CAR OR BOAT

Even if you don't need the money right this minute, a home equity line of credit is a smart way to prepare for unexpected expenses. You'll have peace of mind knowing that no matter what life throws your way, you'll be ready.

APPLY NOW >

*The lowest APR (Annual Percentage Rate) offered is 4.49%, which is a variable rate, and is subject to change. All balances will be calculated at a standard variable APR as indexed to the Wall Street Journal Prime Rate (as of October 5, 2017, the Prime Rate was 4.25%), plus a margin of 0.24% for the life of the loan. Automatic deduction of payment is required from a Union checking account to obtain advertised rate. The maximum APR is 24% or maximum permitted by state law, whichever is less. This Union Bank & Trust Home Equity Line of Credit has a 20-year draw period with a final balloon payment. There is no origination fee charged to open. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $1,000. Offer is subject to credit approval and is based on a minimum equity line amount of $50,000 with a maximum combined loan-to-value of 80%. Applicants must possess a Beacon Score of 720 or greater. Bank must be in a valid first or subordinate lien position on the collateral. Home Equity Lines of Credit closed within 36 months from the opening date will be charged a prepayment penalty as follows: Lines < $100,000 will be charged 1.00% of the line amount. Lines > $100,000 will be charged 0.50% of the line amount. Property insurance and flood insurance, where applicable, will be required. This offer is limited to primary and secondary, single-family residential real property located in Virginia. Please consult a tax advisor regarding interest deductibility. Certain conditions and restrictions may apply.

**Bank will pay all closing costs for non-purchase money equity lines up to $249,999. Equity lines of $250,000 or more, and subordinate equity lines used for purchase money, will receive a $600 credit toward closing costs.

¹Consult a tax advisor.

NMLS# 551889.