Personal Line of Credit

A personal line of credit offers convenience and flexibility when you need it most.  Borrow against your line to pay for unforeseen expenses, large purchases, or that special occasion.

  • A competitive variable rate as low as 7.00%
  • Annual fee of $50.00
  • No collateral required
  • Line amounts starting at $2,500
  • Interest rate discounts available with Automatic Loan Payments from a United Bank Checking account

Rates as of Friday, March 30, 2018

Product DescriptionInterest RateAnnual Percentage RatePayment per $1,000Apply
Personal Line of Credit
Personal Line of Credit7.000%7.000%$13.63

A personal line of credit is subject to credit approval.  The rate will be determined by your credit history.  Monthly payment example of $118.90 is based on 3% of principal plus interest for a $20,000 line of credit at 7.00%.  The Interest rate will be determined by your credit history and amount borrowed.  The Annual Percentage Rate (APR) of 7.00% is a variable rate based on the Wall Street Journal’s Prime Rate plus 2.50%.  Auto pay from a United Bank Premier Checking account is required.  As of 12/15/2017, Prime Rate is 4.50%.  The maximum APR that will apply during the life of the line is 21.00%.  The minimum APR is 4.00%.  This rate requires a minimum line amount of $15,000, a maximum line amount of $20,000, and a minimum credit score of 750.  $50 Annual Fee applies.  Fee may be waived with a United Bank Premier Checking account.  Rates are based on creditworthiness, so your rate may differ.  If you would like to tie your line to a checking account for overdraft protection, your rate may be higher.  Other terms and rates may be available.  Please ask for more details. 


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