Agriculture LoansIn 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. |
EquipmentUpgrading 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 EstateExpand 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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LivestockBreeders 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 CreditYou 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.
