Banking gets personal

Personal Banking

Free Checking

Get information on our FREE checking accounts as well as our other accounts. more

Free Checking

Union State Products & Services

Union State's wide range of services can make banking easier, and more convenient, than ever. See why Union State is the smart choice for help in meeting your financial goals.

Home Equity Loans
Equity at Work

Vacations to far-away places, Home-Improvements, Family Weddings, the funds to accomplish your dreams and needs, can be found in the equity in your home.

Rate: is determined by a margin of wall street prime; to be determined by credit factors. Term: 10 years. Repayment: both 1.5% of outstanding balance per month and interest only products are offered. Late fee: 5% of payment amount more than 9 days late or $100 whichever is less. Annual Fee: $50.00, due on first anniversary date. Advances: minimum $250. Closing Costs: Standard Closing Costs will apply. Interest ceiling: 8.00% maximum. Interest Floor: 3.25%. Checks: Complimentary equity line checks. LTV: up to 85%. Appraisal: Certified appraisal required by an appraiser on Union State's approved list. Rates subject to credit approval. Rates subject to change at Lender discretion.