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Whether you're focused on managing day-to-day expenses or saving money for the possibilities of tomorrow, our team is here to support you with account choices that fit your lifestyle.
Student and Youth Accounts
Personal Loans and Lines of Credit
Home Equity Loan3
Home Loans and Mortgages
Buy a Home
Refinance a Home
Annual percentage yields are current as of 9/1/2023. The minimum balance required to open the account and obtain the APY is $2500. A penalty will be imposed for early withdrawal. The APY assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
2 The Annual Percentage Rate, referred to as APR, is based on an index (WSJ Prime Rate) plus a margin. The discounted introductory APR is fixed for the initial 12-month period. Thereafter, the APR is variable and may change daily but will never exceed 16%. The margin for each loan is determined by credit qualifications, lien position, owner occupancy, loan-to-value (LTV) ratio and other loan features. The stated APRs represent borrowers with a minimum 760 credit score, owner-occupied first or second lien primary residence, maximum 80% LTV and 0.25% discount for auto-debit from a United checking account. Eligibility for introductory rate and reduced closing costs require a United Community Bank checking account and debit card. If checking account and debit card are not maintained in an active status throughout the term of the loan, a $100 annual fee will be assessed. Closing costs vary by state and loan amount. For an average loan amount of $100,000, closing costs generally range from $288 to $844. Bank may choose to waive a portion of the closing costs; however, if the HELOC is closed or the line is reduced during the first three years following account opening, borrower will be required to reimburse bank for all waived closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees and mortgage taxes. HELOC product is available only for consumer owner-occupied, single-family residences and is not available on manufactured homes or leasehold properties. Bank must be in a valid first- or second-lien position. Property insurance and flood insurance, if applicable, are required on all collateral. The HELOC has a 10-year draw period and 15-year repayment period. Exclusions and limitations apply. Offer subject to bank’s standard credit approval criteria and is subject to change without notice. Stated APRs are accurate as of 5/4/2023.
3 United Community Bank offers first-lien and second-lien amortizing fixed-rate Home Equity Loan (HELoan) products. The first-lien HELoan is available in amounts ranging from $10,000 to $75,000. The second-lien HELoan is available in amounts ranging from $10,000 to $1.5 million. HELoan products are available for consumer owner-occupied, single-family residences and are not available on manufactured homes. Closing costs vary by state and loan amount. Bank may choose to waive a portion of the closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees and mortgage taxes. Bank must be in a valid first or second-lien position.