Start getting the most out of your home’s equity
Unlock your home's value with a Union Bank Home Equity Loan or Line of Credit. Whether you need quick cash or long-term financing, we offer flexible options with competitive rates and credit limits up to 90% of your home's 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
Home Equity Line of Credit Special
Unlock your home’s equity with a 5.50% *APR Home Equity Line of Credit — and no closing costs**.
*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 2/2/2026 for applications received through 4/30/2026. Requires an active Union Bank deposit account with automatic payments from the subject loan being made from the same account. This product has a 10-year draw period, after which no additional draws may be made. Following the draw period, there is an additional 10-year repayment period, amortized to conclude the loan at the end of 240 months. During the draw period, there is an introductory discounted variable rate in effect for the first 12 billing cycles, based on a 1.25% discount off the Wall Street Journal published Prime Rate, resulting in an APR below Prime. Thereafter, the rate will be based on the Wall Street Journal Prime Rate plus a margin. The interest rate is variable and may change during the life of the loan. Maximum APR is 18.00%. Maximum Combined Loan-to-Value is 80%. **Union Bank will pay standard loan fees associated with opening the Home Equity Line of Credit, including application fees, appraisal fees (if required), and title fees. Borrower remains responsible for property insurance and any fees incurred after account opening, including late payment or returned payment fees, if applicable. Offer is available for new Home Equity Line of Credit accounts only. Union Bank reserves the right to discontinue the offer at any time. Other restrictions may apply. See Bank for details.
How we can help you
We are happy to answer questions and help you find the loan that will work best for you.
*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
Meet Our Mortgage Bankers
Connect with a Union Bank Mortgage Banker and schedule an appointment today!
Nicole Suchek
Mortgage Banker
NMLS# 707398