Union Savings Bank

Union Savings Bank Union Savings Bank is a state-chartered savings association headquartered in Cincinnati, Ohio. NMLS #446047. Member FDIC. Equal Housing Lender. Bank

06/02/2026

📞 Communication can make all the difference during the mortgage process.

Buying a home can feel overwhelming – which is why we believe in over-communicating. From appraisal updates to closing timelines, our goal is to make sure you always know where things stand and what comes next.

Questions? We want you to ask them. A smoother, less stressful experience starts with having a loan officer who keeps you informed every step of the way.

06/01/2026

💡 The best mortgage isn’t the same for everyone.

At Union Savings Bank, we believe borrowers deserve options – not pressure. Our job is to help you understand what’s available, walk through the pros and cons, and make sure the loan you choose truly fits your goals and financial situation.

Because at the end of the day, it’s your investment, your future, and your decision. We’re just here to help guide you to the right fit.

Buying your first home can feel overwhelming — especially when you start hearing terms like FHA, Conventional, USDA, Hom...
05/28/2026

Buying your first home can feel overwhelming — especially when you start hearing terms like FHA, Conventional, USDA, Home Ready®, and Home Possible®. 🏡

So… which loan works best for first-time buyers?

The truth is: it depends on your situation.

Some programs are designed for buyers with lower down payments.
Some offer more flexible credit guidelines.
Some may work better for rural areas.
And some are ideal for buyers with strong credit looking for low-cost options.

That’s why working with an experienced loan officer matters. At USB, we take the time to understand your goals and help you explore the programs that may fit your needs best.

The good news?

There are more options available today than many buyers realize.

If buying your first home has been on your mind, the first step is simply having the conversation.

05/27/2026

💰 Low costs matter – especially in today’s market.

At Union Savings Bank, we believe more of your money should stay in your pocket. Our low-cost model helps buyers keep upfront expenses manageable at a time when every dollar counts.

And the support doesn’t stop after closing. Because we service our loans, you’re never stuck calling a random 1-800 number, wondering who can help. Whether it’s a payment question or help understanding your mortgage, our team is here with real answers and real people.

Today, we honor and remember the brave men and women who made the ultimate sacrifice for our country. ❤️In observance of...
05/25/2026

Today, we honor and remember the brave men and women who made the ultimate sacrifice for our country. ❤️

In observance of Memorial Day, all Union Savings Bank branches will be closed on Monday, May 25th. We will resume normal business hours the following business day.

Need assistance while we’re away? Visit usavingsbank.com for online banking, account access, locations, and more. 🌐 Wishing everyone a safe and meaningful Memorial Day weekend. 🌟

05/21/2026

🏡 From “maybe someday” to homeowner.

After years of renting — and being turned down multiple times — this family wasn’t sure homeownership would ever happen.

But with a plan, some patience, and consistent guidance, we worked step by step — building savings, improving credit, and preparing for the right moment.

And last month… they closed on their home. 💙

Stories like this are a reminder that it’s not always about where you start — it’s about having the right team to help you get there.

Rates matter – but they’re not the whole story.Focusing only on the rate can lead to decisions that don’t actually serve...
05/20/2026

Rates matter – but they’re not the whole story.

Focusing only on the rate can lead to decisions that don’t actually serve your bigger goals.

Because the strategy behind the loan is what really drives the outcome:
→ How long you plan to stay in the home
→ How much cash you want to keep vs. put down
→ What your long-term financial goals look like
→ How the loan is structured (terms, costs, flexibility)

Two loans can have the same rate…
…and lead to very different financial outcomes.

The right approach isn’t just finding the lowest number.
It’s building a strategy that works for you.

USB was honored to support a special event at the VA Auditorium in Chillicothe, celebrating and serving our Veterans. ❤️...
05/19/2026

USB was honored to support a special event at the VA Auditorium in Chillicothe, celebrating and serving our Veterans. ❤️ Our LOs were proud to help provide the food, sponsor live music from The Usual Suspects 🎶, and serve alongside VA staff to create a memorable day filled with fellowship and appreciation for those who have served our country.

Thank you to everyone who helped make this meaningful event possible!

Your investment property has equity – why not use it? 🏘️💡A Non-Owner Occupied HELOC from Union Savings Bank gives real e...
05/18/2026

Your investment property has equity – why not use it? 🏘️💡

A Non-Owner Occupied HELOC from Union Savings Bank gives real estate investors flexible access to cash tied up in their rental properties.
Use it for:
✔ Purchasing additional properties
✔ Renovations & value-add projects
✔ Covering expenses or consolidating debt
✔ Scaling your portfolio faster

Even better:
✔ First-lien position available for qualified borrowers
✔ Flexible, reusable line of credit

It’s a powerful tool for investors who want to move quickly and make their equity work for them.

If you’re looking for smarter ways to leverage your portfolio, this is a conversation worth having.

05/15/2026

📄 Do your homework – it can save you thousands.

When comparing lenders, don’t just look at the rate. Ask for a cost sheet or loan estimate and take a closer look at what’s actually being charged.

Focus on Sections A–D – that’s where you’ll see the true lender fees. It’s one of the simplest ways to compare offers and understand what you’re really paying for.

At Union Savings Bank, we believe in making those numbers clear – so you can make the best decision with confidence.

Address

8805 Governors Hill Drive
Cincinnati, OH
45249

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 6pm
Saturday 9am - 1pm

Telephone

+15132470300

Website

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