COLLATERAL LOANS

When you can pledge an asset to secure a loan, you can often benefit from personal loans with low interest. Among assets you can collateralize with us include certain eligible Union Savings Bank accounts – where you can receive quick, no credit review loans.

HOME IMPROVEMENT E-SMART LOANS

If your plans for upgrading your home include making it more energy efficient, you could be eligible for special low rate. Long-term consumer loans are available to help CT residents create a more ecological place to live. We’re a participating lender, and can help you navigate the qualification process..

VEHICLE LOANS

We’re here to help you get moving. Before financing your vehicle where you purchase it, check with us. A Union Savings Bank loan can offer competitive rates, fast approvals, no fees or hidden charges, flexible refinancing and local service.

FAST PERSONAL LOANS

Unexpected expenses are just that: unexpected. If you are facing unanticipated expenses such as a car repair, medical expenses or a special upcoming event, we can look at your income and credit history to determine if we can offer you an unsecured consumer loan with competitive fixed rates and without a prepayment penalty.

OVERDRAFT PROTECTION

Account balance running low? Need to cover a bill before your next paycheck? Overdraft protection can help. It’s like an easy personal loan that automatically kicks into action when your account runs dry. Is it a loan, or a convenience? Actually it’s both.

HOME IMPROVEMENT

Update, renovate or expand your home to enjoy more living space, a nicer kitchen or make room for a new member of your family with a consumer loan. Stay in the neighborhood, and leverage a home improvement loan to create a better place to be.

BOAT LOANS

Looking to escape on the water? There’s really nothing like it. We can help you realize your dreams with a consumer loan up to $150,000 for purchasing or refinancing your recreational boat.

Our mortgage, HELOC and consumer loans make your life easier.

Get $25 cash back after your first purchase with a USB Credit Card.

Find a Branch

Meet with a local banking expert to discuss your business goals and needs. Find the closest Union Savings Bank location.

Consumer Loan Rates

    • LOAN TYPE
    • APR*
    • MINIMUM LOAN
    • MAXIMUM LOAN
    • MAXIMUM TERM
    • MAXIMUM LIFETIME VALUE
    • PAYMENT AMOUNT
    • Vehicle – New (vehicles manufactured in current year or having less than 10,000 miles)
    • 4.99%
    • $1,000
    • NA
    • 60 months
    • 100%
    • $188.66 1
    • Vehicle – Used 2 years old or less
    • 4.99%
    • $1,000
    • NA
    • 48 months
    • 80%**
    • $230.24 1
    • Vehicle – Used 3 – 4 years old
    • 4.99%
    • $1,000
    • NA
    • 36 months
    • 80%**
    • $299.65 1
    • Vehicle – Used 5 – 8 years old
    • 4.99%
    • $1,000
    • NA
    • 24 months
    • 80%**
    • $438.66 1
    • Collateral – CD or Passbook
    • 3.25% over current rate account is earning
    • $500
    • N/A
    • N/A
    • 6 months reserve required
    • Variable 2
    • Overdraft Protection – Sweep
    • 18.00%
    • $500
    • $5,000
    • N/A
    • N/A
    • Variable 3
    • Overdraft Protection
    • 18.00%
    • $500
    • $5,000
    • N/A
    • N/A
    • Variable 3
    • Personal
    • 9.50%
    • $500
    • $5,000
    • 36 months
    • NA
    • $160.16 4
    • Home Improvement
    • 9.50%
    • $1,000
    • $10,000
    • 60 months
    • NA
    • $210.01 4
    • Home Improvement Smart-E Loan 5
    • 4.99%
    • $3,000
    • $25,000
    • 84 months
    • NA
    • $353.22 4
    • Home Improvement Smart-E Loan 5
    • 5.99%
    • $3,000
    • $25,000
    • 120 months
    • NA
    • $277.42 4
    • Boat – New or Used Loans up to $25,000
    • 5.99%
    • $1,000
    • $25,000
    • 60 months
    • 80%***
    • $483.19 4
    • Boat – New or Used Loans from $25,001 to $50,000
    • 5.99%
    • $25,001
    • $50,000
    • 120 months
    • 80%***
    • $554.84 4
    • Boat – New or Used Loans up to $50,001 to $150,000
    • 5.99%
    • $50,001
    • $150,000
    • 180 months
    • 80%***
    • $1,264.97 4
  • Disclaimers

    1 Monthly payment based on a $10,000 loan at the current interest rate for the max loan term.

    2 Your monthly payment based on current Savings Account interest rate of 0.03% on a $1,000 loan is $2.73. Required monthly payments are interest only.

    3 Your minimum monthly payment will be equal to the greater of 1/10th of your unpaid principal balance as of the last day of the Billing Cycle or $20.00, plus all accrued and unpaid Finance Charges as of the last day of the Billing Cycle. If your principal balance as of that date is less than $20.00, you must pay the entire principal balance plus unpaid Finance Charges.

    4 Monthly payment based on the maximum loan amount at the current interest rate for the maximum loan term.

    5 Home Improvement Smart-E loans are offered through our partnership with Energize Connecticut. For information, call 877-WISE-USE (877-947-3873) or visit energizeCT.com/smarte. Eligible participants: your home must be: 1-4 units owner occupied ; or have approval of landlord; home must be a primary residence, home must be located in CT; condominiums are eligible only if they are individually metered. Limited time offer. Smart-E loan program is subject to Union Savings Bank credit approval. All Smart-E loan projects are subject to Connecticut Energy Finance and Investment Authority (CEFIA) approval.

    * Annual Percentage Rate

    ** LTV – based on N.A.D.A. average retail value or similar industry valuation guide.

    *** LTV – based on BUC book value.

    All loans are subject to credit approval.