Certificates of deposit
Get a guaranteed return on the money you put in, on your timeline.
Home Loans
We’ll make it easy to build, buy, or refinance
Ready for the home of your dreams? Let our friendly, experienced home loan team guide you through the steps of finding the right loan to buy, build, or improve on your home.
0% Credit Card Offer
Find your financial zen
The holidays are over, a new year has started, and it’s the perfect time to lose some credit card baggage and resolve to bring your finances into balance. A new credit card from UBT can help you do just that! Open a new account, and you’ll get 0% introductory APR° for 12 months on balance transfers completed within your first 60 days — plus 0% intro APR* on purchases for 12 months, too. (After that, variable APR 14.00–20.00%.) It’s the perfect way to tackle your financial resolutions and start your year fresh.
We get to know you
At UBT, people don’t have your money — your money has people. That means personalized service from real people who get to know you, your goals, and your individual needs.
We’re local
Since getting our start in Lincoln, we’ve expanded to include locations across the state and in parts of Kansas. We’re proud of our Midwestern roots and the people we serve.
We give back
We care about the communities we serve, so we make it a point to support charitable causes and civic organizations that make for an even better place to live and work.
We’re always innovating
Whether it’s improving our online experience or offering new ways to bank on the go, we’re always working to give you the best banking experience possible — so you can focus on what matters.
We’re family owned
UBT has been owned by the same family for more than 50 years, which means we understand the value of putting down roots, caring for those around us, and supporting other families as they grow.
We can do it all
At UBT, we cast a wide net. We offer banking and lending services to individuals and businesses, investing and wealth management solutions, trust services*, and more — all with a personal touch.
Auto & Personal Loans
Auto loans
Our team will help make the buying process as fun as the test drive.
Ready loans
Quick. Easy. Hassle-free. Put your loan request on the fast track.
Home loans
Get into the home of your dreams with help from our experienced mortgage team.
Home equity
Ready to remodel? Use your home’s value to make it even better.
UBTgo Mobile App
Find out why our app has 4.9 stars
The UBTgo mobile app✳ is faster, sleeker, and now easier to use than ever — and judging by the reviews, our users agree! Visit your phone’s app store today to download the latest version and see for yourself how easy it can be to manage your money from anywhere.
Investment management
Whatever your goals may be, our team of objective, experienced, reliable investment professionals will help you get there with a variety of investment vehicles.
Estate administration
You can count on our experienced team of trust professionals to help protect your wealth and guide your family during a difficult time.
Need More Help?
Contact a personal banker near you
✳Message and data rates may apply.
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°Offer subject to credit approval. Valid on approved Rewards and Signature Rewards credit card applications received between 11/01/21 to 02/28/22. *Introductory 0.00% APR for 12 months from date of account opening on purchases. Introductory 0.00% APR for 12 months from date of account opening on balance transfers made within 60 days of card open date. Balance transfer fees waived on transfers made within 60 days of card open date. After introductory period ends, the standard variable APR for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. As of 01/20/22, the standard variable APR for purchases is 14.00% – 20.00%, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Fees include foreign transaction fee of 3% of each transaction in U.S. dollars. After introductory period ends, balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, applies.