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Union Center National Bank, New Jersey's leading financial institution and your "Heart Smart Banker".

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Consumer Loans
Fixed Rate Home Equity Loans
Use your homeís equity to lock into a low rate for the life of the loan with a set monthly payment. There are no points, or monthly fees, with some of the best rates in the area. Choose from our various terms to best suit your needs. If you are a UCNB checking or saving account customer, you can have your monthly payments automatically deducted.
For more information call 1-800-U-N-CENTER
When it comes to consumer loans, you can trust your Heart Smart Banker. Whether itís a personal loan, auto loan, home equity loan or home equity line of credit, youíll wind up with the best plan for your needs.
For more information call 1-800-U-N-CENTER
Home Equity Line of Credit
Establish a Home Equity Line of Credit based on the available equity you have in your home.  Enjoy knowing that you have the peace of mind and flexibility to access your line of credit when the need arises.  Whether it is a project around the house, continued education or a future need, you will control when and how your line of credit is accessed.  Your monthly payment will be a fraction of the principal and the accrued interest.  The interest you pay may be tax deductible (consult your tax advisory).  Our Home Equity Line of Credit is a variable rate product tied to the prime rate published by the Wall Street Journal.  As with a Fixed Rate Home Equity Loan, there are no points, or monthly fees.

If you are a UCNB checking or savings customer, you can have your monthly payments automatically deducted.
For more information call 1-800-U-N-CENTER
Installment Loans
  • Personal loans
  • Auto loans (new and used)
Heart Smart Overdraft Protection Line of Credit.
Protect your UCNB account from running short on funds, by linking an Overdraft Line of Credit to your account. If an item is presented for payment that will overdraw your account, funds in $100.00 increments will be deposited to your account to cover the overdrafts. There are no fees to apply, and you can choose the amount of protection you want, up to $5,000.00.
Subject to credit approval.
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