Current Rates

Personal Loans



Eric Czarnecki                                                          Lisa Miller
Direct Line: 608-366-2020                                       Direct Line: 608-366-2004                     
Mortgage Loan Officer - NMLS #284134              Mortgage Loan Officer - NMLS# 886171

Mortgage Loans        Apply Now

Union Bank of Sparta offers you a variety of home mortgage products including:

 Homestyle Renovation®

You find a house, WHEDA will help you make it a home. WHEDA understands that not every home is move-in ready.  It can be difficult to find a house within your budget, that meets your needs, and that you can call "home."

Features and Benefits:

  • Enables you to buy and renovate a home utilizing a single mortgage
  • All costs associated with your renovation - including six months of mortgage payments if you are unable to occupy your home during renovation - can be financed
  • Six months after closing to complete the renovation work
  • Up to 100% financing for eligible borrowers

Program Requirements:

  • Owner-occupied primary residence only
  • 30-year fixed first mortgage can be utilized with WHEDA down payment assistance
  • All standard WHEDA income and credit guidelines apply
  • Loans serviced by WHEDA's first rate Servicing Department
 Mortgage Advantage
  • Low cost, 30-year fixed interest rate
  • Down payment and closing cost assistance
  • A mortgage tax credit
Veterans Affordable Loan Opportunity Rate (VALOR) Loan Program
      Features And Benefits

            Veterans are eligible for this fixed-rate priced below the standard Conventional Advantage market rate.  This is a limited program and mortgage funds are available on a first come, first served basis. 

      General Eligibility Guidelines
  • Must be a military veteran with an honorable discharge or release
  • Borrowers must qualify for a WHEDA Conventional Advantage loan
  • First-time home buyer requirement is waived
Guaranteed Rural Housing Loans
  • This program features 0% down with a 30 year fixed rate loan. Income limits do apply.

    With a Union Bank of Sparta Mortgage you will receive:
  • Local servicing of your loan
  • Pre-qualification at no charge
  • Local underwriting and decision making
  • Competitive rates & fees
Freddie Mac
  • Fixed-Rate Mortgages
    Experienced real estate lenders can provide various real estate loan options.
    Union Bank of Sparta can assist you with the refinance of your existing mortgage to take advantage of changing rates.

Consumer Loans

At Union Bank of Sparta you will receive a quick response to your loan request. Contact our qualified loan officers to review your lending needs.

  • Automobile Loans - We offer competitive rates and payments to fit your budget.
  • Recreational Vehicle - Let us help you finance that motor home, motor cycle, snowmobile, or ATV.
  • Debt Consolidation Loans - Consolidate those small loans and credit card bills into one easy payment.
  • Personal Loans - We have loans available for vacations, those unexpected emergencies or other personal expenses.
  • Home Improvement Loans - Home maintenance is always necessary. We can help you obtain the funds needed.
  • Mobile Home Loans - Check out our rates & terms to purchase or refinance your mobile home loan.
  • Dental Financing - General procedures, orthodontics, cosmetic dentistry, oral surgery, dentures, and more!

Apply Now

Credit Builder Loans

The Credit Builder Loan is designed to help our customers with no credit history or even some bad history, but are ready to repair it.  It is a loan in the amount of $1000 to $3000 in which the funds will be invested in one of our CD products where it will earn interest, for a term of 1-3 years. After all of the loan payments have been made, the CD funds will be released to the customer.

Apply Now

Student Auto Loans

For credit qualifying borrowers, Union Bank of Sparta offers exclusively to students, three-to-five year auto loans at 1.99% APR (annual percentage rate). To be eligible, students must simply provide proof of enrollment in a two-four year college/tech school or be a high school student or graduating student this year and maintain a Student Checking account at Union Bank of Sparta. Please call for current rates.

Apply Now

Click here for Business Loans.