Personal Banking


We have a loan that fits your needs.

Whether you are building, buying or refinancing – at United Bank we have a loan for you. Our experienced lenders work with you to find the best mortgage solution for your financial situation and home buying goals.





Fixed Rate Loans
Fixed Rate Mortgages


With a Fixed Rate Mortgage from United, your monthly principal and interest payment schedule will never change, so you can calculate your housing costs for the life of the loan.

ARM Loans
Adjustable Rate Mortgages


United’s Adjustable Rate Mortgages may have a lower interest rate and lower monthly payment. Your beginning monthly principal and interest payments are fixed for an initial period, then may adjust annually to reflect market conditions.

Construction Loans
Construction Loans

Build your dream home from the ground up with a Construction Loan from United. We include both the construction loan and permanent financing in a single package - with just one closing - saving you time and money.

Government Loans
Government Loans

Qualified customers may be able to take advantage of government programs for home financing like the Federal Housing Administration (FHA) loans or Veterans Administration (VA) loans.

Jumbo Loans
Jumbo Loans


Jumbo Mortgages are available for customers who need a loan amount above the conforming loan limits, generally greater than $548,250 up to $2million.

Specialty Loans
Specialty Loans

Wondering if you can afford or qualify for a new home? At United, we offer Specialty Loans with features such as down payment assistance, first-time home buying programs, flexible credit requirements and more.

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Welcome Carolina Trust Customers

The first time you sign-in, enter your User ID, which is the same as your Carolina Trust Bank User ID, only in lower case. Your temporary password is the last 6 digits of your Social Security Number Number (or last 6 of Tax ID for small business customers). You will then be prompted to change your temporary password. Click here for detailed information.

EXISTING United Bank Customers please follow your normal sign-in procedures.