# Union Bank & Trust

> Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-06.

- **Brand record:** https://optimly.ai/brand/union-bank-trust
- **Dataset:** https://optimly.ai/brand/union-bank-trust.json
- **Markdown:** https://optimly.ai/brand/union-bank-trust/llms.txt
- **Official website:** https://ubt.com
- **Slug:** union-bank-trust
- **Categories:** fintech-financial-services

## Overview

- **Tagline:** Union Bank & Trust (UBT) is a bank providing personal and business banking, lending, wealth management, trust, investment, and employee benefits services.
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Description:** UBT combines banking products with access to personal financial experts and customer support. Its offerings include personal and business banking, online banking, deposits, loans, wealth management, trust services, investments, retirement plans, and employee benefits.
Source: Brand's website (https://ubt.com) · 2026-11-06

## Identity

- **Mission:** To provide people and teams who help customers manage, plan, and improve their finances, summarized by the message “Your money has people.”
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Website:** https://ubt.com
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Voice & tone:** Personal, approachable, supportive, community-oriented, and service-focused.
Source: Brand's website (https://ubt.com) · 2026-11-06

## Offerings

- **Problem solved:** Helps individuals, families, and businesses manage money, access financing, save and invest, plan for retirement, and receive personalized financial guidance.
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Core capabilities:**
  - Personal banking
  - Business banking
  - Online banking
  - Deposit accounts and certificates of deposit
  - Consumer lending
  - Home loans and residential real estate lending
  - Commercial lending
  - Agricultural lending
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Products / SKUs:**
  - Youth banking accounts
  - Certificates of deposit (6-, 12-, and 24-month CDs)
  - Ready Loans
  - Personal and consumer loans
  - Home loans
  - Business loans and financing
  - Commercial loans
  - Agricultural loans
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Pricing:** The website lists CD APYs of 4.05% for 6 months, 4.25% for 12 months, and 4.40% for 24 months, each with a $1,000 minimum deposit; rates are stated as accurate as of 10/6/2026. Loan products are subject to credit approval.
Source: Brand's website (https://ubt.com) · 2026-11-06

## Audience

- **Target industry:** Banking and financial services
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Customer base:** Personal customers, youth and families, businesses, employers, and customers seeking wealth, trust, investment, retirement, lending, or employee benefits services.
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Ideal customer profile:** Individuals and families seeking a relationship-based bank, and businesses or employers needing banking, lending, treasury, retirement, wealth management, or employee benefits support.
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Use cases:**
  - Opening and managing personal or business bank accounts
  - Teaching children to manage money through youth banking
  - Saving through certificates of deposit
  - Obtaining quick personal financing through a Ready Loan
  - Financing homes, vehicles, businesses, commercial projects, or agricultural needs
  - Managing business banking and treasury needs
  - Investing and managing wealth
  - Planning for retirement
Source: Brand's website (https://ubt.com) · 2026-11-06

- **Customer outcomes:**
  - Access to personal financial experts and customer support
  - Convenient online and branch banking access
  - Funding for unexpected expenses through Ready Loans
  - Ability to save with certificate of deposit products
  - Support for financial planning, investing, and retirement planning
  - Financing for personal, residential, agricultural, commercial, and business needs
  - Support for businesses and employers with banking and employee benefits
Source: Brand's website (https://ubt.com) · 2026-11-06

Page last updated 2026-11-06.

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