The right lender makes all the difference.

Consumer Loans

Personal Loans

Borrowing money is much easier with a local banker you know and trust. Here, we pride ourselves on being a big bank with small-town roots – which means whether you’re upgrading your vehicle, having a family emergency, consolidating debt, or needing some extra money for your dream vacation, you’ve come to the right place.

Why borrow from us

  • Decisions made by your local banker
  • Convenient and fast loan approval
  • Flexible terms
  • Competitive fixed and variable interest rates
  • Special rates for automatic payments and UBI checking account customers 



Student Loans

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

  • Loans for college students.
  • A loan option for parents and family members who wish to borrow on behalf of a college student.
  • Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Learn more about ISL Education Lending’s offerings on their website.

Please note:

  • All loans offered by ISL Education Lending are subject to credit approval.
  • Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*United Bank of Iowa is compensated by ISL Education Lending for the referral of student loan customers.

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Borrow from people you know and trust.