Current Rates

Personal Loans



Eric Czarnecki                                                          Lisa Miller
Direct Line: 608-366-2020                                       Direct Line: 608-366-2004                     
Mortgage Loan Officer - NMLS #284134              Mortgage Loan Officer - NMLS# 886171

Mortgage Loans        Apply Now

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
Veterans Affordable Loan Opportunity Rate (VALOR) Loan Program
      Features And Benefits

            Veterans are eligible for this fixed-rate priced below the standard Conventional Advantage market rate.  This is a limited program and mortgage funds are available on a first come, first served basis. 

      General Eligibility Guidelines
  • Must be a military veteran with an honorable discharge or release
  • Borrowers must qualify for a WHEDA Conventional Advantage loan
  • First-time home buyer requirement is waived
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.

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!

Apply Now

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.

Apply Now

Private Student Loans

The Smart Option Student Loan® for Union National Bank and Trust Co. 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:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you quality
  • 100% US-based Student Loan Specialists

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 1.99% 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.

Apply Now

Click here for Business Loans.