Loan Services

Installment Loans

United Southern Bank offers a wide variety of consumer loans to help you purchase the things to maintain and enhance your lifestyle.  Call us for current rates and terms for car, RV, education or other personal loans.

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Lines of Credit

Our credit line programs offer flexible terms, a fixed monthly payment, competitive rates and quick, easy approval. Get an Overdraft Protection line of credit for peace of mind. Contact your Customer Service Representative today.

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Home Equity Loans

Ready to remodel your kitchen? Buy a new car? Consolidate your loans? Want convenient access to extra funds?

The USB Home Equity Program offers both installment and revolving loan terms. Take advantage of the equity in your home and realize the flexibility and possible tax advantages of a home equity loan. 

Whether you are buying a new boat or paying for college expenses, repayment terms are flexible and the interest expense may be tax deductible. Consult your tax advisor for information on the deductibility of interest.

To find more information about this account, inquire online today!

NMLS #419535

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Mortgage Loans

USB’s mortgage experts can help you find the loan that is best for you!

Choose a fixed rate for one, three or five years. At the end of the term, the loan may be extended with payments based on interest rates prevailing at that time. These loans are our most popular choice because of the flexibility they offer. The loans are serviced at any of our locations and offer a wide variety of payment options.

Loans can be for the purpose of financing site-built homes, manufactured homes or residential lots.

To find more information about this account, inquire online today!


Kelly Guzman, Residential Lender
Kelly Guzman
Residential Lender
NMLS# 1363256


Fixed Rate Mortgage Loans

Steady, Strong Common Sense Mortgage Lending

Flexible payment options that offer:

For prompt service call:

Janet Noack, Residential Lender
Janet Noack
Vice President
NMLS# 514772

Jeanne Lazo, Residential Lender
Jeanne Lazo
Vice President
NMLS# 514769

RheaAnn Kennedy, Residential Lender
Rhea Ann Kenndy
Vice President
NMLS# 1076515


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USB Personal Mobile and Online Banking

Track your money with mobile and online banking.   

  • Receive a text message when your direct deposit is made

  • Get a text message alert when a check clears or debit card payment is made

  • Set yourself up to receive a notice when your account drops below an amount you are comfortable with

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Enroll Now

Business Customers should contact a CSR at any branch for enrollment forms.

USB ATM Network

United Southern Bank debit card

Get surcharge-free access to your money – no matter where you are! Use any USB ATM free. USB customers can use the Presto ATMs at Publix Grocery Stores. There are over 55,000 AllPoint ATM’s in the US and some foreign countries USB customers can use surcharge-free.  Download their app to your smartphone to locate them.   

Find ATMs