Union National Community Bank - Mount Joy, PA

Union National Community Bank
101 East Main Street
P.O. Box 567
Mount Joy, PA 17552
Phone: (717) 492-2222
Fax: (717) 492-2270
Toll-Free: (877) 653-1441

The Mount Joy Savings Institution opened its doors in 1853. From the first day of business through today, the institution that became Union National Community Bank has kept its focus on the community. We have concentrated on maintaining a safe, sound, and strong financial institution that provides remarkable banking experiences for our customers. We are a part of Lancaster County's past, present, and future.

As an independent community bank, Union National has a deep understanding of and commitment to Lancaster County, rooted in a history that goes back over 155 years. Our independence gives us flexibility to offer progressive banking products and services that help Lancaster County by supporting local school districts, fire companies, museums, libraries and other community organizations.

As we move into 2009 and beyond, our purpose and values remain much the same as they were in 1853. We continue to serve our customers, shareholders and people of Lancaster County by developing and delivering innovative banking products and services, like Gold Rewards Checking, the CDARS certificate of deposit program and no-fee ATMs. Union National is proud to be one of Lancaster County's last independent community banks.

We would love to have the opportunity to discuss our story and help you with your banking needs. If there is something you think we could be doing better, please click here to email me your suggestions.

Step inside any Union National office and immediately youâ€™ll sense a difference. Bankers who treat you like neighbors, because thatâ€™s exactly what we are. Need quick loan approval? Pull up a chair. Looking for flexibility? Just ask and weâ€™ll bend over backwards for you. Stop by any Union National office and weâ€™ll be glad to fill in the details and help you decide on services that are right for you. It just takes a visit to experience "banking the way it should be!"

* Multiple Locations
* ATM Network
* Online Banking
* Telephone Banking
* Financial Calculators
* Online Switch Kit

Secondary and Portfolio Mortgage Products

* Local servicing through Union National for the entire term of the loan
* Quick turnaround from application to closing
* Competitive interest rates
* No Escrow Requirements (decreased closing costs)
* Flexibility in loan structure
* 15, 20, and 30 year products available
* No prepayment penalty
* Jumbo mortgages
* Pre-qualifying available
* Zero-point mortgages

Construction Financing

* One settlement with less fees to borrower
* Fixed rate during construction term
* Ability to fix quoted rate for term loan after construction
* Financing up to 95% of final value of property
* Swing or Bridge Loans
* Perfect way to assure settlement on new property while current property is on the market
* Floating loan rate based on Wall Street Journal Prime Rate plus 1%
* Interest-only structure assures minimum monthly payment
* Flat origination and documentation fee of $500