Private Banking Credit Solutions
Tailored lending solutions that align with your life and lifestyle
As you move through the many challenges and changes in life, your financial needs similarly ebb and flow. Whether you plan to build your home from the ground up with a construction loan, or would like financing for your next large purchase, UMB's credit solutions suite can help.
Offered exclusively to our Private Banking clients:
Visa® Signature Preferred Credit Card
Designed exclusively for our Private Banking clients, UMB's Visa Signature Preferred credit card features premium benefits that emphasize simplicity, security and service aimed at meeting your unique needs. Its benefits allow you to earn up to 2% cash back on your net purchases which automatically appear as an account credit each quarter of the calendar year.
Home Equity Line of Credit (HELOC)
Our comprehensive, competitive HELOC solutions make it easy to finance major expenses, from purchasing or remodeling a home to financing a college education, and more. This revolving credit option is a savvy choice that allows you to access funds you need when you need them. Ask your advisor about the fixed rate option, which allows you to lock in an interest rate on all or part of your balance.
Our flexible, in-house loans feature no escrowing, no origination fees and ongoing, personal service. We offer 15- and 20-year fixed conventional and jumbo mortgages, as well as 7/1 and 5/1 adjustable rate mortgages.
If you plan to build a primary or secondary residence, we offer a tailored construction loan with a 12-month loan term, project and budget management, a convenient construction checking account, and regular inspections to ensure the project is progressing.
Marketable Securities Line of Credit or Term Loan
A secured line of credit or term loan can be a smart way to use your eligible securities as collateral to obtain the funds you need today. Your Private Banking client manager can assess the risks and benefits based on your needs, whether it's for investing in a business opportunity, consolidating other debt or simply to cover unexpected expenses.
Our temporary bridge loan can meet the needs of those purchasing new homes while the former home is still on the market. This short-term financing option is a unique way to ensure a smooth transition to your new house using a 6- or 12-month term loan.
We know you carefully consider each financial decision, and we will work with you to ensure every credit choice fits your short- and long-term plans. Contact your UMB Private Banking client manager today at 800.862.6670 to review your credit solution options.
UMB Private Wealth Management
At UMB Private Wealth Management, we know that understanding your personal story is the key to helping you write your next chapter.