Loan

Big plans? We’ve got the loan to match.

Need a home or auto loan? Want to lower your mortgage payment or start a renovation?
We’re here to help! At USLA, you’ll find competitive rates and friendly, personalized service to guide you every step of the way.

Mortgage Loans

Buying a home is a big decision and one of the largest investments you'll make. At USLA, we tailor financing options to fit your needs. Choose from fixed or adjustable-rate mortgage loans with flexible repayment terms designed just for you.

Apply online

Document Upload

Home equity line of credit

Using your home’s equity is a smart way to borrow. Use funds for home improvements, educational expenses for you or your kids, or anything else you might need. With great rates and flexible options, USLA is here to help you!

Apply online

Document Upload

Auto Loans

USLA offers great rates on car loans, including trucks, motorcycles, RVs, and more! With competitive rates and flexible terms, we’re ready to help you get the vehicle you need. Come see us today to drive away with the perfect loan!

Apply online

Document Upload

Personal Loans

Need extra cash? Skip the high credit card rates and talk to USLA! We offer smart, affordable options to help with your short-term needs. Let’s see how we can help you get the funds you need today. With flexible terms and great rates, we’ve got U!

Apply online

Document Upload

hand-shaking-man

Your loan is tailored to U.

We approve loans right here, locally, so you’re never just a number.
We take care of your loan every step of the way.
Got questions? Come in and chat with your loan officer face-to-face.
We’ve got your back! If we think a loan isn’t right for you, we’ll let you know.

Frequently asked questions

What skills are most important for working in banking?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Is prior banking experience neccesary?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What is work culture like at USLA?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What credit score do I need to apply?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Do I need to make a down payment?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What documents do I need to apply?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How do I open a checking account?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How do I set up direct deposit?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How can I monitor account activity?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How can I tell if a call, email, or text from my bank is legitimate?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How can I report a scam attempt to USLA?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How often should I check my bank statements for fraud?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How do I open a savings account?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Are there any limits on how many withdrawls I can make?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Is my savings account insured?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Will switching banks affect my credit score?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Can I keep my old bank account open while I transition?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How long does it take to fully switch to a new bank?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What is the difference between a will and a trust?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Can I revoke a trust after it is created?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Can a trust help with charitable giving?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How can I make changes to my account?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How do I set up my POS terminal?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How do I review a recent transation?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How often to savings account interest rates change?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What happens if I withdraw money from my CD early?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Are interest rates for home loans fixed, or variable?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What qualifications do I need for a commercial loan?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Can startups or new businesses qualify for a loan?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How long does it take to get approved?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What are the requirements to open a business checking account?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How is a business checking account different from a personal account?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Can I open multiple business checking accounts?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How is interest calculated on a CD?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

Can I add money to my CD after opening it?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What are the benefits of an IRA over other retirement savings options?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How long does the estate administration process take?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What happens if someone passes away without a will?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How are estate taxes and debts handled?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How do you determine the best investment strategy for me?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

What types of assets will be included in my portfolio?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.

How often do you review and adjust my investments?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ligula lacus, non est aliquet, interdum fermentum magna. Aenean magna, interdum.