You never know when or where a new opportunity can come knocking. But with a UBS Premier Credit Line, offered by UBS Bank USA, you can stay ready. As a UBS client, you can use the borrowing power of your securities to access the liquidity you need when you need it.

Enjoy convenience and flexibility

Whether for business capital, home renovation, tax payments1 or other short-term expenses, your securities offer a flexible funding source. Choose from variable and fixed-rate options and terms from 1 month to 10 years. Or take advantage of our limited-time promotional fixed interest rates. It's all about what makes sense for your goals.

Learn about our promotional rates

Pursue what matters most to you

A UBS Premier Credit Line can help pave the way to new financial opportunities using liquidity in your existing portfolio.

A reserve for what’s next

A UBS Premier Credit Line can help you approach your future with more confidence by enabling you to diversify your financial strategy and giving you access to a source of funds when you need it.

Funding for your life – today and tomorrow

 
 
 
 
 
 

Here’s how it works

  • A UBS Premier Credit Line uses eligible assets in your portfolio as collateral.
  • You can choose from a variety of fixed- and variable-rate options, giving you more ways to pursue your goals.
  • There are no application fees or closing costs, so you can apply for a line at any time, and if approved, only incur costs when you borrow funds.2
  • The application process is streamlined—most credit decisions are made in two to three business days.3

Limited time promotional fixed rates

February 2 - April 28, 2026

1-year contracts
New advances/eligible maturing contracts 4.70%% (4.77% APR)4,5
Balance conversions 5.30% (5.37% APR)4,5

5-year contracts
New advances/eligible maturing contracts 4.95%% (5.02% APR)4,5
Balance conversions 5.55% (5.63% APR)4,5

Rates are subject to change during the promotional period but will not impact clients who have locked in the promotional rates. UBS reserves the right to withdraw or modify this offer at any time without advance notice. To confirm current promotional rates and offer status, please return to this page.

Promotional rates are available for fixed rate loan contracts of $25,000 or more and are subject to change.

1- and 5-year promotional rates are available between February 2, 2026 - April 28, 2026. New advance rates are applied to net new, incremental credit line balances greater than the closing balance on January 30, 2026 and/or the rebooking of existing UBS Premier Credit Line contracts maturing between December 8, 2025 - April 28, 2026. Balance conversion rates are applied to existing variable UBS Premier Credit Line balances established prior to February 2, 2026.4,5

The interest rate and the Annual Percentage Rate (APR) are the same for natural persons residing in California.

Talk to your UBS Financial Advisor to learn how a UBS Premier Credit Line can help you pursue your goals for today and tomorrow.

1 UBS Bank USA, UBS FSI, their employees and affiliates do not provide legal or tax advice, and any information provided should not be construed as such. You should contact your personal tax and/or legal advisors regarding your particular situation, including the legal and tax implications of borrowing using securities as collateral for a loan.

2 Prepayments of UBS Premier Fixed Credit Lines will be subject to an administrative fee and may result in a prepayment fee.

3 In some large and complex transactions, the application process may take more time.

4UBS reserves the right to withdraw or modify this offer at any time without advance notice. Rates are subject to change during the promotional period; however, such changes will not impact contracts that have been locked prior to the change date. To confirm current promotional rates and offer status, please visit this page.

5 Discounted rates are available on net new 1- and 5-year interest-only, fixed-rate UBS Premier Credit Line contracts established between February 2 – April 28, 2026 with a new credit line advance or balance conversion of $25,000 or more, subject to available credit. 1-year contract rates for approved UBS Premier Credit Lines: New advances – 4.70% (4.77% APR); Balance conversions – 5.30% (5.37% APR). 5-year contract rates for approved UBS Premier Credit Lines: New advances – 4.95% (5.02% APR); Balance conversions – 5.55% (5.63% APR). Qualifying new advances must be taken between February 2 – April 28, 2026. For clients with an existing balance on a UBS Premier Credit Line, an eligible ‘new advance’ is defined as a net new incremental balance added on or after the start of the offer, February 2, 2026, minus the balance from the close of business on January 30, 2026. If part or all of a client’s loan balance is paid down on or after the start of the offer, that amount would need to be subtracted (netted) from any draws taken after the start of the offer, to determine the net incremental loan growth during the offer. New advance rates are also available for balances from fixed contracts maturing between December 8, 2025 through April 28, 2026. “Balance conversion” rates are applied to 1- and 5-year contracts for existing UBS Premier Credit Line balances established prior to February 2, 2026, or for the rebooking of existing variable UBS Premier Credit Lines balances.

The interest rate and the APR are the same for natural persons residing in California. Offers cannot be used to pay off debt from UBS Bank USA or any affiliates. UBS reserves the right to withdraw or modify this offer at any time without advance notice. Rates are subject to change during the promotional period, however, such changes will not impact contracts which have been locked prior to the change date. To confirm current promotional rates and offer status, please visit ubs.com/stayempowered. Discounted rates cannot be applied to specialty lending program contracts (e.g., Unsecured Lending, Premier Hedge Fund Lending, Private Equity Lending, loan balances transferred from 2026 Financial Advisor recruits, custom credit and subscription facilities and Employee Stock Ownership Plan (ESOP) Lending) under this offer. This is non-binding on any UBS company and is not a commitment to lend. See your credit line agreement for all terms and conditions of your credit line.

About UBS Bank USA

Credit Lines are securities-backed loans provided by UBS Bank USA, an affiliate of UBS Financial Services Inc. (UBS FSI). Credit Lines are full recourse demand loans, are subject to credit approval and are ”margin loans” subject to collateral maintenance requirements (i.e., margin requirements). The lender can (i) demand repayment and/or (ii) change collateral maintenance requirements (i.e., margin requirements) at any time without notice. If the required collateral value is not maintained, the lender can require you to post additional collateral (commonly referred to as a ”margin call”), repay part or all of your loan and/or sell your securities. Failure to promptly meet a margin call or repayment or other circumstances (e.g., a rapidly declining market) could cause the lender to liquidate some or all of the collateral supporting the Credit Lines to repay all or a portion of the outstanding Credit Line or margin obligations. Any required liquidations may result in adverse tax consequences. You are personally responsible for repaying the Credit Line in full, regardless of the value of the collateral. Securities-backed financing involves special risks, is not suitable for everyone and may not be appropriate for your needs. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement that will be included in your application package. Credit approval of any loan application is subject to the creditworthiness of the applicant. UBS Bank USA will conduct a comprehensive evaluation, which may include, but is not limited to, an assessment of the applicant’s financial condition, payment history, credit scores, credit reports, and the adequacy of any collateral offered. Additional terms, conditions, restrictions, and limitations may apply.

Credit Lines are either non-purpose or purpose loans. Non-purpose loans may not be used directly or indirectly to purchase, trade or carry securities or to repay debt used to purchase, trade or carry securities and may be used for other liquidity needs such as personal expenses, real estate transactions or other needs. Purpose loans may be used to purchase, trade or carry securities or may be used for other liquidity needs such as personal expenses, real estate transactions or other needs. Please review your loan agreement to make sure you understand which type of loan you have and that you ensure you are in compliance with its terms. Credit Lines may not be used to repay debt to any affiliate of UBS Bank USA. Additional limitations and availability may vary by state. Prepayments of UBS Fixed Credit Lines will be subject to an administrative fee and may result in a prepayment fee.

UBS FSI and its Financial Advisors have a financial incentive to recommend the use of securities-backed loans (SBLs), rather than the sale of securities to meet cash or other liquidity needs. Our Financial Advisors receive compensation based on the outstanding balance on a non-purpose SBL and the applicable interest rate spread for the SBL. Financial Advisors do receive credit for the amounts of the purpose loan drawn for purposes of bonuses, awards and club status. In addition, UBS FSI receives servicing fees from certain lending affiliates based on the amount of outstanding loan balances to compensate us for referring clients and for administrative and operational support relating to the loans. The interest you pay for the loan is separate from and in addition to other fees you may pay related to the investments used to secure the loan, such as ongoing investment advisory fees (wrap fees) and fees for investments such as mutual funds and ETFs, for which UBS FSI and/or our affiliates receive administrative or management fees or other compensation. UBS FSI and your Financial Advisor benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments, which would reduce our compensation. As such, UBS FSI and its Financial Advisors benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments, which would reduce our compensation. When assets are liquidated pursuant to a house call or demand for repayment, UBS FSI and your Financial Advisor also will benefit if assets that do not have ongoing fees (such as securities in brokerage accounts), are liquidated prior to or instead of assets that provide additional fees or revenues to us (such as assets in an investment advisory account). Further, different types of securities have higher release rates than others, which can create a financial incentive for your Financial Advisor to recommend products or manage the account in order to maximize the amount of the loan. UBS FSI and its Financial Advisors and employees offer banking and lending products to clients through our affiliates and third-party banks in our capacity as a broker-dealer and not as an investment adviser.

UBS Bank USA, UBS FSI, their employees and affiliates do not provide legal or tax advice, and any information provided should not be construed as such. You should contact your personal tax and/or legal advisors regarding your particular situation, including the legal and tax implications of borrowing using securities as collateral for a loan.

UBS Bank USA is a US subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868.

About UBS Financial Services Inc.

Important information about brokerage and advisory services

As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business, that you carefully read the agreements and disclosures that we provide to you about the products or services we offer. For more information, please review the client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy.

This information is not provided based on your particular financial situations or needs and does not take into account individual investors’ circumstances. You should not consider this information to be a “recommendation” by UBS or your UBS Financial Advisor.

© UBS 2025. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA/SIPC.

UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA. Member SIPC.

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20260126-5144110 Exp. 01/26/2027