United Citizens Bank & Trust
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  • Bank
    • Checking
    • Savings
    • CDs - IRAs
  • Borrow
    • Agriculture Loans
    • Business Loans
    • Construction Loans
    • Home Loans
    • Home Equity Loans
    • Personal Loans
  • Services
    • ATM
    • UCB Mobile Banking
    • Mobile Check Deposit
    • Debit Card
    • Anytime Banker
    • ACH
    • Cashier Checks
    • Safe Deposit Box
    • Order Checks
  • Resources
    • Report A Lost or Stolen Debit Card
    • Alerts
    • Financial Tools
    • Small Business Resources
    • Security Awareness Newsletter
    • Money Management
    • Media Releases
    • Frequently Asked Questions
    • Wiring Instructions
  • Locations
    • Pendleton
    • Eminence
    • Carrollton
    • Campbellsburg
    • New Castle
    • Buckner
  • About
    • Contact
    • History
    • Meet the Board
    • Privacy Policy

Agriculture Loans

In an era where most banks shy away from agricultural loans, United Citizens Bank & Trust has a staff in place which has deep roots in farming and understands the special needs which today’s farmers possess. In fact, since our founding in 1872, United Citizens Bank & Trust has been a leader in agricultural finance serving the needs of both full time and part time farmers. We offer both fixed rate and adjustable rate loans on farmland, livestock, equipment and operating lines of credit. Our interest rates are very competitive.
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Equipment

Upgrading your inefficient equipment or outfitting a new farming operation takes flexible, competitive financing. We know how important it is to have the right equipment for the job. We finance new or used, from small utility tractors and implements up to large combines and beyond. 
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Real Estate

Expand your land or start a homestead. Flexible payment plans and terms make us the perfect bank to help you achieve your dreams. Our willingness to work with government agencies, such as FSA and KAFC, open the door to more opportunities for you and your agribusiness. 
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Livestock

Breeders or feeders, we finance it all. Payment plans can be designed around your livestock sales income, and our interest rates are competitive. Stay competitive in your market and grow your herd. 
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Operating Lines of Credit

You grow it, we finance it. Whether your purpose is crop production, feeder livestock production, or general farm expenses, we can keep your cash flow up and running. Both revolving and annual lines are available, and are used for short-term expenses. 

Partnerships

United Citizens is proud to partner with both the USDA Farm Service Agency and Kentucky Ag Finance Corporation to provide beginning and under-served farmers and agribusinesses with the access to low-cost financing that they need. Access to capital is the most limiting factor in this era of agriculture. Let us do the hard work for you, and direct you towards the loan program best suited to your needs. 

FSA Loan Programs

  • Beginning Farmer Loans
  • 90% Guaranteed loans
  • Farm Ownership Loans
  • Operating Loans
  • Down Payment Program
  • Joint Financing 
Learn More

KAFC Loan Programs

  • Agricultural Infrastructure 
  • Beginning Farmer 
  • Diversification through Entrepreneurship in Agribusiness 
  • Large Animal Veterinary 
  • Agricultural Processing
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Learn more
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© 2021 United Citizens Bank & Trust Company
NMLSR#688969
8198 Main Street / PO Box 250
Campbellsburg, KY  40011
(800) 223-2850 - Toll Free
(502) 532-7392 - Main
​(502) 532-6607 - Fax
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United Citizens Bank & Trust Company is a locally owned community bank serving our communities. We offer & deliver quality financial services to all customers at competitive rates. We are committed to active community involvement. We strive to maintain financial soundness & stability while providing shareholders a reasonable return on their investment.
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Comments or questions about this website please contact us during business hours.
​Last Modified Feb 7, 2020

  • Bank
    • Checking
    • Savings
    • CDs - IRAs
  • Borrow
    • Agriculture Loans
    • Business Loans
    • Construction Loans
    • Home Loans
    • Home Equity Loans
    • Personal Loans
  • Services
    • ATM
    • UCB Mobile Banking
    • Mobile Check Deposit
    • Debit Card
    • Anytime Banker
    • ACH
    • Cashier Checks
    • Safe Deposit Box
    • Order Checks
  • Resources
    • Report A Lost or Stolen Debit Card
    • Alerts
    • Financial Tools
    • Small Business Resources
    • Security Awareness Newsletter
    • Money Management
    • Media Releases
    • Frequently Asked Questions
    • Wiring Instructions
  • Locations
    • Pendleton
    • Eminence
    • Carrollton
    • Campbellsburg
    • New Castle
    • Buckner
  • About
    • Contact
    • History
    • Meet the Board
    • Privacy Policy