The Union Bank and Trust is a business credit card from Union Bank and Trust. Application typically pulls a hard report from Experian. The annual fee is $25. The ongoing APR is Prime Rate (WSJ Midwest Edition) + 6 percentage points, variable, adjusted quarterly; currently 12.75% (disclosure accurate as of January 23, 2026) after a 6.75% introductory APR on purchases for the first six months introductory rate for 6 months. Rewards: 1 point per net dollar in retail purchases; redeem for brand-name merchandise, travel, or office supplies. Loan terms: Revolving business credit card; minimum payment 3% of the purchase and cash-advance balance or $40, whichever is more (rounded up to the nearest $5; whole balance if under $40); balance computed by average daily balance (including new purchases); no grace period on cash advances. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified. Processed by TCM Bank (ICBA). Primary bureau pull is Experian per myFICO community reports (https://ficoforums.myfico.com/t5/Credit-Cards/TCM-Bank-credit-cards-any-thoughts/td-p/6303273). TCM Bank is a subsidiary of ICBA Payments serving 750+ community banks and 530K+ customers. State-by-state breakdown estimated based on similar community bank processors — no crowdsourced state-level data exists for TCM specifically.