Limited Time HELOC Special
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Here for Life's Moments
Life doesn't happen all at once. It unfolds in moments. Some are planned, some surprise us and many begin at home. A Home Equity Line of Credit (HELOC) helps you be ready for what's next.
With a limited time, introductory rate of as low as 3.99% Annual Percentage Rate (APR)*, you'll have peace of mind knowing you can access the funds when you need them.
Our Home Equity Line of Credit offers a convenient 10-year draw period, with low processing costs and no prepayment penalty. Simply apply and continue to borrow throughout the 10 years, as needed. You can advance your HELOC at any time, through online/mobile banking transfers, automatic overdraft balance transfers, or by calling or stopping in the bank. It's that easy!
HELOC Features
A home equity line of credit loan from United Bank & Trust is a revolving line of credit, secured by the equity in your home. Whether you want to tackle that home improvement project, take a much-needed vacation, pay for your child's braces, finance a college education or simply consolidate your debt, we can help you find the perfect home equity line to fit your needs.
- Fixed Rate as low as 3.99% APR* for the first 6 months. Variable interest rate thereafter.
- Access funds when you need it
- Revolving line of credit
- Monthly repayment based on outstanding balance
- Credit available up to 85% of your combined loan to value.
- Interest may be tax deductible (Consult your tax advisor)
- Funds may be advanced through online banking transfers, telephone transfers, or in person.
- Overdraft protection is available
- Homeowner's insurance is required
Use Your HELOC for:
- Home Improvements
- Landscaping
- Remodeling
- And More!
Apply Today!
Use our easy online application or call or visit us at one of our convenient locations!
Apply Online OR Finish Existing Application
Contact one of our Home Equity specialists today:
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Cindy Smiley, NMLS# 531711
Brandi Morris, NMLS# 2652016
641-753-5900
[email protected]
Mortgage Loan Originator Listing
* Promotional rate of 3.99% Annual Percentage Rate (APR) for 6 months is available for new applications submitted April 1, 2026 through September 30, 2026. The 6-month introductory rate is applicable for HELOC products only. Your approval rate and credit limit will be based upon your creditworthiness and property value. The maximum amount of total loans with us, and others, including this request, may not exceed 85% of your property’s value. You will be required to maintain property insurance. Consult a tax advisor regarding potential deductibility of interest. Variable rate lines are available, with rates ranging from 6.75% Annual Percentage Rate (APR) to 7.50% APR (based upon the Prime Rate as the index as published in the Wall Street Journal plus a margin) as of March 16, 2026, and is subject to change without notice. These rates may change due to an increase or decrease in the Prime Rate, however, it will never be less than 5.00% APR, or more than 21.00% APR. Applies to owner-occupied residential real estate only.
Closing costs include flood report, title search, credit report, mortgage release fee, origination fee and recording fees. Closing costs apply, approximately $570 plus appraisal fee, if required. No application, annual, or non-use fees associated with this product.
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