Personal Banking

Checking  & Savings • CDs • IRAs &  SEPs • Loans 
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Loans

From time to time everyone needs to borrow money. The reason may be as special as a second honeymoon or as necessary as a new car or tractor. Whatever the reason, United Bank has a way to make it happen for you. We are committed to providing the best service to our loan customers. We have the experience and flexibility to tailor a loan that's right for you, and since our decisions are made locally, we are able to respond to you within hours.

Installment Loans

Installment loans, which allow for monthly payments of various durations, are ideal for purchasing cars, boats, farm equipment, home improvement, education, vacations or other personal needs.

Construction Loans

Our construction loans allow you the flexibility of drawing from your construction account when you need it. The loan can be rolled over into a more permanent loan once your construction is complete.

Home Equity Loans

United Bank's home equity loans allow you to take advantage of the equity in your home while possibly earning a tax deduction for the interest. Ask us about the advantages the equity in your home can provide for you. Be sure to consult your tax advisor concerning the tax deductibility of any item.

SMART Loans

Play it smart when you need to borrow money. With our SMART loans, you include your home as secondary collateral on a loan that is also secured by other primary collateral. By doing so, your interest may be tax deductible. Please consult your tax advisor.

Lines Of Credit

If you would like the added security of knowing you have access to extra cash for a sudden emergency or unexpected expense, a United Bank line of credit may be right for you. Once approved, you'll have a revolving line of credit that provides a cash reserve whenever you need money fast.