Sparta Union National Bank & Trust Co. of Sparta, WI

Personal Loans

Mortgage Loans

Union National Bank & Trust Co. offers you a variety of home mortgage products including:

 Mortgage Advantage

  • Low cost, 30-year fixed interest rate
  • Down payment and closing cost assistance
  • A mortgage tax credit

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Guaranteed Rural Housing Loans
  • This program features 0% down with a 30 year fixed rate loan. Income limits do apply.

    With a Union National Bank & Trust Co. Mortgage you will receive:
  • Local servicing of your loan
  • Pre-qualification at no charge
  • Local underwriting and decision making
  • Competitive rates & fees
Freddie Mac
  • Fixed-Rate Mortgages
    Experienced real estate lenders can provide various real estate loan options.
    Union National Bank & Trust Co. can assist you with the refinance of your existing mortgage to take advantage of changing rates.

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Consumer Loans

At Union National Bank & Trust Co. you will receive a quick response to your loan request. Contact our qualified loan officers to review your lending needs.

  • Automobile Loans - We offer competitive rates and payments to fit your budget.
  • Recreational Vehicle - Let us help you finance that motor home, motor cycle, snowmobile, or ATV.
  • Debt Consolidation Loans - Consolidate those small loans and credit card bills into one easy payment.
  • Personal Loans - We have loans available for vacations, those unexpected emergencies or other personal expenses.
  • Home Improvement Loans - Home maintenance is always necessary. We can help you obtain the funds needed.
  • Mobile Home Loans - Check out our rates & terms to purchase or refinance your mobile home loan.
  • Dental Financing - General procedures, orthodontics, cosmetic dentistry, oral surgery, dentures, and more!

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Credit Builder Loans

The Credit Builder Loan is designed to help our customers with no credit history or even some bad history, but are ready to repair it.  It is a loan in the amount of $1000 to $3000 in which the funds will be invested in one of our CD products where it will earn interest, for a term of 1-3 years. After all of the loan payments have been made, the CD funds will be released to the customer.

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Private Student Loans

The Union National Bank & Trust Co.* Smart Option Student Loan® by Sallie Mae® 
For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. 

To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you quality and/or receive a lower rate
  • Get a quick credit result by applying online. It’s quick, easy, and only takes about 15 minutes to apply.
  • 24/7 online account management
  • Borrower benefits available – like rewards and interest rate reductions

To learn more or to apply, please get started here.

*We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers

Sallie Mae Student Loans

Student Auto Loans

For credit qualifying borrowers, Union National Bank offers exclusively to students, three-to-five year auto loans at 1.80% APR (annual percentage rate). To be eligible, students must simply provide proof of enrollment in a two-four year college/tech school or be a high school student or graduating student this year and maintain a Student Checking account at UNB. Please call for current rates.

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Click here for Business Loans.