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Products
Union Bank offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
30 Year Fixed Rate
USDA RD 30 Year Fixed Rate
FHA 30 Year Fixed Rate
VA 30 Year Fixed Rate
VHFA 30 Year Fixed Rate
NHHFA 30 Year Fixed Rate
15 Year Fixed Rate
BUILD Loan
Home Equity Loans
Home Equity Line of Credit

30 Year Fixed Rate

 

These interest rates are for primary and secondary residencies.  We also offer loans on investment properties, with a slightly higher APR.  The secondary market loan programs may assess additional fees based on the property type, loan purpose, credit scores and the value of the property in relation to the loan amount, which the Bank will pass on to the borrower.

  

Term: 30 years   Maximum Amount: $424,100
RatesAPRPoints
3.75%4.022%2%
3.875%4.064%1%
4%4.105%0%

USDA RD 30 Year Fixed Rate

This is a USDA- guaranteed fixed rate mortgage that allows for 100% financing, as well as a 6% seller contribution for low and moderate income borrowers in approved rural areas.

Term: 30 years  
RatesAPRPoints
4.75%5.302%0%

FHA 30 Year Fixed Rate

This is a FHA - insured fixed rate mortgage loan that allows for low down payments and up to 6% seller concessions. This product has more liberal credit qualification guidelines than a standard conventional loan.  Maximum loan amount varies by location. Other loan terms are available - 15 year, 20 year and 25 year. Click this link for your specific property location to determine the maximum loan amount.  https://entp.hud.gov/idapp/html/hicost1.cfm

Term: 30 years  
RatesAPRPoints
4.25%5.369%0%

VA 30 Year Fixed Rate

VA mortgages allow up to 100% financing for eligible military personnel. The qualifying guidelines are more liberal than a standard conventional loan. Maximum financing can be obtained without private mortgage insurance. A Certificate of Eligibility is required. Other loan terms are available - 15 year and 20 year.

Term: 30 years   Maximum Amount: $424,100
RatesAPRPoints
4.125%5.242%0%

VHFA 30 Year Fixed Rate

This loan is a special offering through the Vermont Housing Finance Agency. The program is designed for first time homebuyers and is subject to income and purchase price limits. The loan is for a term of 30 years. The payment is 'fixed', or level, for the life of the loan.  This type of loan may have a different structure depending on household size, target areas and multi-family homes. The owner must occupy the home. Please contact us for additional information.

Term: 30 years  
RatesAPRPoints
4.25%4.395%0.25%

NHHFA 30 Year Fixed Rate

This loan is a special offering through the New Hampshire Housing Finance Agency. The program is designed for first time homebuyers and is subject to income and purchase price limits. The loan is for a term of 30 years. The payment is 'fixed', or level, for the life of the loan.

Term: 30 years  
RatesAPRPoints
4.25%5.034%0%

15 Year Fixed Rate

 

These interest rates are for primary and secondary residencies. We also offer loans on investment properties, with a slightly higher APR. The secondary market loan programs may assess additional fees based on the property type, loan purpose, credit scores and the value of the property in relation to the loan amount, which the bank will pass on to the borrower.

 

Term: 15 years   Maximum Amount: $424,100
RatesAPRPoints
3%3.477%2%
3.25%3.581%1%
3.5%3.684%0%

BUILD Loan

Our construction loan has a great interest rate! Interest only payments are due during your construction term.  Once your house is finished your loan officer will assist you with the permanent financing loan.

Term: 8 months  
RatesAPRPoints
6.49%7.909%0%

Home Equity Loans

Looking to do some improvments to your home?  Our Home Equity Loan has a fixed interest rate for a term up to 15 years.  Interest rates for our 10 year and 5 year term are even lower.

Term: 15 years  
RatesAPRPoints
5.99%6.006%0%

Home Equity Line of Credit

This rate is fixed for one year then adjusts quarterly beginning in year two at the Wall Street Journal Prime Rate plus 0.75%. Principal and interest payments are due during the 10 year draw period and the 10 year repayment period. 

Term: 20 years  
RatesAPRPoints
4%4%0%


 The Annual Percentage Rate (APR) is calculated based on a loan amount of $100,000 with a 20% down payment and the maximum term.