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

Home Equity Loans

Use the equity in your home to access funds anytime you need them, for any occasion. 
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Home Equity Line of Credit


You worked hard to build the equity in your home. It's only right that you get to use it for whatever you want- even that dream vacation. The possibilities are endless! This revolving credit line is secured by the equity in your home. With our competitive interest rate, an interest-only home equity line of credit could be the ideal financial tool for you.

Cash-Out Refinance


If you plan to use all of the funds from your Equity Loan in a single draw, a cash-out refinance might be the better option for you. This option might also be best if you still have a first mortgage on your home and wish to have one payment rather than two, or you would like to have a consistent payment, or if you want to lower your current interest rate. Funds can be used for any purpose you like- just like a HELOC!  
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Ready to Apply?

Talk to one of our experienced lenders at any location.
To find out what you may need to bring when you apply, check out our How to Apply page.
How to apply
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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