Consumer Loans

Union Bank has a variety of Consumer Loan products designed to meet all of your financial needs. Our consumer loans can be used for almost any purpose including automobile or boat purchases, debt consolidations, education expenses, home improvements, recreational vehicle purchases and consumer goods.


AUTOS & TRUCKS

Type of Loan Max. Term Max. Amort. Credit Score Loan to Value Rate A.P.R.* Loan Processing/ Closing Fee
2006-2008 60 Months 60 Months 700+ 100% 6.75% 7.05% $120
2006-2008 60 Months 60 Months 650-699 90% 7.50% 7.84% $120
2006-2008 60 Months 60 Months 0-650 85% 8.00% 8.36% $120
2003-2005 48 Months 48 Months 700+ 100% 6.75% 7.35% $120
2003-2005 48 Months 48 Months 650-699 90% 7.50% 7.89% $120
2003-2005 48 Months 48 Months 0-650 85% 8.00% 8.41% $120
2002-1998 36 Months 36 Months 700+ 100% 6.75% 7.17% $120
2002-1998 36 Months 36 Months 650-699 90% 7.50% 7.97% $120
2002-1998 36 Months 36 Months 0-650 85% 8.00% 8.50% $120



UNSECURED LOANS
Type of Loan Max. Term Max. Amort. Credit Score Loan to Value Rate A.P.R.* Loan Processing/ Closing Fee
Up to $4,999 36 Months 36 Months 675+ NA 13.50% 14.04% $120
$5,000+ 60 Months 60 Months 675+ NA 11.50% 11.88% $120



HOME EQUITY MORTGAGE LINE OF CREDIT
(Rate is based on Wall Street Journal Prime rate.)

Type of Loan Max. Term Max. Amort. Credit Score Loan to Value Rate A.P.R.* Loan Processing/ Closing Fee
Any Amount 120 Months 120 Months 700+ 85% Prime 6.21% $120.00*
Any Amount 120 Months 120 Months 675-699 85% Prime + 0.50% 6.21% $120.00*
Any Amount 120 Months 120 Months 0-650 85% Prime + 1.00% 6.47% $120.00*



CLOSED END HOME EQUITY
(Over $100,000, appraisal required.)

Type of Loan Max. Term Max. Amort. Credit Score Loan to Value Rate A.P.R.* Loan Processing/ Closing Fee
Any Amount 36 Months 180 Months All Scores 85% 7.25% 7.67% $200.00*
Any Amount 60 Months 180 Months All Scores 85% 7.50% 7.82% $200.00*



Rates as of 10/06/2008.
Rates subject to change without notice. Rate determined by credit history, terms, and security. Please call for today's rates. Some restrictions may apply.


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