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Community Advantage Programs

Fresh Starts, and Second Chances

A helping hand can make a lasting difference. At United Bank, we provide banking solutions that support credit rebuilding, financial education, and long-term financial success. Through our commitment to community development and affordable housing initiatives, we help individuals, families, and neighborhoods gain access to the resources they need to prosper. Our specialized tax credit program further supports economic growth by encouraging investment in low-income communities. Interested in learning more?

Community Advantage Benefits

Rebuild credit and create a stronger financial future.
Develop healthy financial habits with educational tools and resources.
Create opportunities for savings and long-term financial stability.

Gateway Checking

Designed for customers with poor credit ratings or no credit history.

Gateway Checking

Secured Visa Classic

The Secured Visa is provides instant purchasing power and helps build your credit.

Secured Visa Classic

Credit Advantage Loan

A unique loan designed to help you move towards stronger financial habits.

Credit Advantage Loan

UB Community Development

Community Housing Soft Loan Program

Community Housing Capital

The Secured Visa Classic Card can provide instant purchasing power as it helps build your credit score. This card features competitive rates and a credit limit determined by the balance in your United Bank saving accounts.

Features & Benefits:

Make purchases online and at millions of locations worldwide
Minimum credit limit is $300 (subject to credit approval)
13.80% Annual Percentage Rate (APR) for purchases and cash advances. (The rate of 13.8% is fixed for 12 months from date of issuance. After that, the card may be re-issued at the then-current rate.)
No interest charges if your full bill is paid within 25 days of making purchases
Manage your account and access monthly statements online at www.mycardstatement.com.
Get the added benefits of $150,000 worth of travel accident insurance and SecurLOCK Fraud Monitoring
Breathe easier with Visa's Zero Liability policy, which means you're not held responsible for unauthorized card purchases

A stretch of bad fortune can cause your debt load to rise and credit score to plummet. This unique loan can make your financial outlook a good deal brighter, providing an infusion of funds needed to cover pressing obligations or a good opportunity to strengthen your credit rating.¹

Loan amounts from $500 to $2,500
Fixed 10.00% APR*
Terms of 12, 18, or 24 months
Half of the loan amount placed into a Certificate of Deposit (CD)¹
No origination fee
Completion of a financial education course is required prior to funding
Customers without an established credit score may qualify for a $500 loan option
CD funds will become available once the loan is paid in full

Interested in Learning More?

*APR = Annual Percentage Rate. Subject to credit approval and underwriting criteria. Credit Advantage Loans available from $500 to $2,500 with terms of 12, 18, or 24 months and a fixed 10.00% APR. Half of the approved loan amount will be deposited into a Certificate of Deposit (CD) and held until the loan is repaid in full. Financial education course completion required prior to funding. Customers without an established credit score may only qualify for a $500 loan option. Loan proceeds may be payable directly to third parties. Example: A $2,500 loan at 10.00% APR for 24 months would result in 24 monthly payments of approximately $115.36. Actual terms and payments may vary. See bank for details.

¹Qualifying participants are eligible to receive half of the loan amount, with the other half being deposited into a CD. The term of the CD should match the term of the loan. A hold will be placed on the CD until the loan is repaid. Part of the program design is that once the loan is repaid the participant has created a savings account.
²In order to receive a Credit Advantage loan with United Bank, participants will be required to complete a financial education course through Financial Focus, United Bank's online financial education platform. Click Here for Financial Focus' Building Financial Capability playlist(Opens in a new Window). Financial Focus provides an interactive financial education experience which is available 24/7 for participant ease of use. Customers are limited to three Credit Advantage loans. The loans can be concurrent as long as the borrower has completed the required financial education course, paid off the preceding loan in full, and still meets the debt-to-income requirement. Participants needing more than three loans will be required to attend additional financial education courses.

UB Community Development empowers communities with investments that drive local impact. UB Community Development offers solutions that improve housing, infrastructure, public services, and create jobs within underserved communities. Solutions include:

New Market Tax Credits
Community Housing Capital
Community Facilities Lending
Small Business Community Development Loan Fund

Visit the UB Community Development website.

Our Community Housing Soft Loan Program is designed to help fill budget gaps for your new or rehab affordable housing project. We offer fixed-rate loans for New Construction, Rehab, or Rehab with Project-Based Rental Assistance projects.

Terms up to 20 years (longer terms considered for RD or HUD projects)
3.75% fixed rate
1.5% origination fee
Negotiable repayment based on project cash flow
Non-recourse

Interested in Learning More?

Contact Joe Raines, at (205) 790-1384