Personal Banking

Current Rates

as of 05/16/12:
Deposit Rates

as of 05/16/12:
Residential Lending Rates

Mortgages

Applications

Each package contains instructions and an application which features "field fillable" boxes (type into). Once completed, please print out, sign, and deliver (or mail) to any of our locations.

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Mortgage:

VT Residents
NH Residents

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Application packages are in PDF format, if you need the free Adobe PDF Reader, click here

Since 1891 Union Bank has built a solid reputation as the bank that helps make your real estate plans take shape. It’s not only our customers who have recognized our commitment. The FDIC has awarded Union Bank a rating of "outstanding" in its evaluation of the Bank's Community Reinvestment Act (CRA) performance. This is the highest rating afforded to any banking institution. They have also noted our excellent performance in residential lending to borrowers of all income levels—especially low and moderate.

Fixed Rate Mortgages

Fixed rate mortgages can be used to purchase or refinance your primary or vacation home, or for one- to four-family investment properties. Benefits of a fixed rate mortgage include an interest rate and payment that stay constant over the life of the loan. Union Bank's fixed rate mortgages offer attractive rates and terms that suit your needs.

Adjustable Rate Mortgages

Adjustable Rate Mortgages (ARMs) can also be used to purchase or refinance your primary or vacation home, or for one- to four-family investment properties. An ARM generally has an initial, fixed rate period. At the end of that time, your interest rate increases or decreases, depending on your mortgage’s specific index, margins and caps.

First–Time Home Buyer & Affordable Housing Programs¹

Low & No Down Payment Mortgages
Our low down payment mortgage options offer first-time home buyers and low- to moderate-income borrowers an easy and convenient way to purchase a home.

Vermont Housing Finance Agency (VHFA) & New Hampshire Housing Finance Agency (NHHFA)
Union Bank’s partnership with VHFA & NHHFA allows us to finance and promote affordable, safe and decent housing opportunities for low- and moderate-income borrowers.