Union State BankHome Equity Line of CreditRegistry illustration · issuer artwork unavailable
Home Equity Line of CreditUnion State Bank · SM bank, KS · FDIC 1869
CurrentLast observed Oct 4, 2026Source date Oct 4, 2026Official issuerHome equity line of credit · Consumer
Loan amount
Not disclosed
Repayment term
Not disclosed
Collateral
Prepayment penalty
Not disclosed
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| Loan amount | Not disclosed | no source read | |
| Repayment term | Not disclosed | no source read | |
| Collateral | Real estateUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “The line of credit is based on a percentage of the value of your home. The more your home is worth, the larger the line of credit. Of course, the final line of credit you receive will take into account any outstanding mortgages you might have. This includes first mortgages, second mortgages and any other debt you have secured by your home.”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Prepayment penalty | Not disclosed | no source read | |
| Maximum loan to value | 80%Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “Union State Bank Home Equity Line of Credit may be available up to an 80% maximum loan to value.”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Draw period | Not disclosed | no source read | |
| Repayment period | Not disclosed | no source read | |
| Rate floor | Not disclosed | no source read | |
| Rate cap | Not disclosed | no source read | |
| APR | — | no source read | |
| Fees | — | no source read | |
| Loan-to-value conditionsThe stated 80% is a conditional maximum; the bank says it may be available. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “Union State Bank Home Equity Line of Credit may be available up to an 80% maximum loan to value.”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Secured debt conditionsThe final line considers outstanding mortgages and other debt secured by the home. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “The line of credit is based on a percentage of the value of your home. The more your home is worth, the larger the line of credit. Of course, the final line of credit you receive will take into account any outstanding mortgages you might have. This includes first mortgages, second mortgages and any other debt you have secured by your home.”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Opening conditionsCredit approval, qualified-borrower status, income limits and other restrictions apply; numeric income limits are not disclosed. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “HELOCs are available with approved credit for qualified borrowers. Income limits and other restrictions apply. Union State Bank NMLS # 412388”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Access to fundsThe page describes access by phone or Home Equity Check; numeric draw and repayment periods are not disclosed. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “When consolidating bills you'll make only one monthly payment. With a simple phone call or writing of a Home Equity Check, you can have immediate access to funds.”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Future useThe page describes future use without reapplying; an actual draw period is not disclosed. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “Use the loan today to fund a larger purchase, such as a vehicle. In the future, without reapplying for a loan, you can fund your dream vacation or complete the home improvements you've always wanted. Interest paid on a HELOC may be tax deductible.*”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Interest deductibilityThe page makes a conditional interest-deductibility statement; it does not determine any borrower’s tax treatment. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “Use the loan today to fund a larger purchase, such as a vehicle. In the future, without reapplying for a loan, you can fund your dream vacation or complete the home improvements you've always wanted. Interest paid on a HELOC may be tax deductible.*”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Tax advisorThe source directs readers to consult their tax advisor. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “*Consult your tax advisor for deductibility of interest.”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |
| Rate comparisonThe page makes an unquantified rate-comparison claim; no numeric APR or guaranteed savings is disclosed. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | “When consolidating bills and paying off credit cards or loans with higher interest rate, a Home Equity Line of Credit SAVES YOU MONEY.”Union State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |