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Conventional commercial real-estate loans
A conventional commercial real estate loan offers up to 80% LTV (loan-to-value) and is a great option for either buying or refinancing your commercial property for your business.

SBA commercial real-estate loans

SBA 504 Guidelines:

  • Projects up to $4,000,000
  • Borrower in business for minimum of 2 years
  • Borrower occupies greater then 51% of subject property
  • Completed SBA Personal Financial Statement (available on the Tools page) is required

Rates & Terms:

  • 40% of loan amount is financed by SBA and is fixed for 20 years at current SBA rate and amortized over 20 years
  • 50% of loan amount is financed by Union National Bank and is fixed for 5 years at current Union National Bank rate and amortized over a period up to 30 years
  • Blended amortization is typically 25 years

1031 Exchange Programs
Commonly referred to as a tax deferred exchange. This is a simple strategy and method for selling one qualified property, and then proceeding with an acquisition of another qualified property within a specific time frame to take advantage of tax savings.

Lines of credit for working capital
Conventional and SBA: If you are experiencing growth, need to purchase equipment, or just need extra operating funds, we offer secured loans with quick approvals and convenient payment terms. Revolving lines of credit are also available for your business needs.

Traditional banking services

  • Deposit accounts – checking, savings
  • Personal Money Market
  • Certificates of Deposits

Email or call us today to get current rates and terms.

NOTE: Please do not send confidential information using the above link. If you are our customer and has online banking access, please use our secure online banking website to send us the email.

Online Banking

Manage your accounts online:

  • View account activity for the last 30 days
  • Download banking transactions
  • Transfer funds
  • Make payments.

Remote Deposit Capture Service
Save yourself the time and money of making trips to the bank – our free Remote Deposit Capture Service allows you to process deposits from your place of business.

Online Banking