Personal Loans

A Personal Loan may be needed for an unexpected emergency, a dream vacation or anything in between. Borrow from $1,000 (minimum) up to $5,000 (maximum). The rate is fixed, so your monthly payment is always the same. Authorize us to deduct your monthly payment directly from your UniBank Checking or Statement Savings Account and save an additional 1/2% off the quoted rate!

Private Line/Overdraft Protection

Forget about the embarrassment of bouncing a check or paying overdraft charges! With our Private Line/Overdraft Protection Account, you establish a Line-of-Credit that you may draw upon at any time. Just write a check against your UniBank Checking Account. Funds are advanced in increments of $100, up to your available credit limit–from $500 to maximum of $3,000. Repayment is monthly, with a minimum payment of 2.5% of the outstanding balance. The Annual Percentage Rate is variable at Prime plus 6%.

Prime Line/Personal Line Of Credit

When you need cash, getting it could be as simple as making a phone call. That is how UniBank’s Prime Line/Personal Line of Credit works. Once you are approved, all you do is call the bank and authorize a deposit to be made into your UniBank Checking Account. Requested funds are immediately deposited for instant access. Your advance is $500 or more in increments of $100. The minimum line you may request is $1,000, with a maximum of $5,000. Repayment is monthly, with a minimum payment of 2.5% of the outstanding balance. The Annual Percentage Rate is variable at Prime plus 5%.

Passbook Loans

If you would like to establish a record of payment, need cash now and do not want to pay CD early withdrawal penalties, or are just looking for a loan with a great rate, this may be the way to go. A Passbook Loan is a secured loan with your UniBank passbook or CD as collateral. The application is easy with no waiting for approval. Plus, funds are available immediately! You may borrow up to 95% of the balance of your collateral account with a special secured Annual Percentage Rate of your deposit rate plus 3%. The minimum amount you may borrow is $1,000.