United Bank & Capital Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
Florence Branch	8730 Us Highway 42, Florence, KY 41042	View Lobby Hours
Alexandria Branch	7300 Alexandria Pike, Alexandria, KY 41001	View Lobby Hours
Ft. Thomas Branch	34 North Ft. Thomas Avenue, Fort Thomas, KY 41075	View Lobby Hours
Highland Heights Branch	2911 Alexandria Pike, Highland Heights, KY 41076	View Lobby Hours
Crestview Hills Branch	2774 Town Center Boulevard, Crestview Hills, KY 41017	View Lobby Hours
Bellevue Branch	160 Fairfield Avenue, Bellevue, KY 41073	View Lobby Hours
Newport Branch	103 Churchill Drive, Newport, KY 41071	View Lobby Hours
Radcliff Branch	645 South Dixie Boulevard, Radcliff, KY 40160	View Lobby Hours
Elizabethtown Branch	425 West Dixie Avenue, Elizabethtown, KY 42701	View Lobby Hours
Shepherdsville Branch	4810 North Preston Highway, Shepherdsville, KY 40165	View Lobby Hours
Ring Road Branch	3030 Ring Road, Elizabethtown, KY 42701	View Lobby Hours
Mt. Washington Branch	157 East Brooke Court, Mount Washington, KY 40047	View Lobby Hours
North Dixie Branch	111 Towne Drive, Elizabethtown, KY 42701	View Lobby Hours
Stamping Ground Branch	3285 Main Street, Stamping Ground, KY 40379	View Lobby Hours
Kroger Branch	Kroger Store, Kimberly Square Shopping Center, Us Hwy 27, Nicholasville, KY 40356	View Lobby Hours
Orchard Branch	986 North Main Street, Nicholasville, KY 40356	View Lobby Hours
Harrodsburg Road Branch	3098 Harrodsburg Road, Lexington, KY 40504	View Lobby Hours
United Bank & Trust Company Branch	2509 Sir Barton Way, Lexington, KY 40509	View Lobby Hours
Georgetown Branch	206-210 East Main Street, Georgetown, KY 40324	View Lobby Hours
Midway Branch	206 North Gratz Street, Midway, KY 40347	View Lobby Hours
North Main Street Branch	201 North Main Street, Nicholasville, KY 40356	View Lobby Hours
The Locust Street Branch	146 North Locust Street, Versailles, KY 40383	View Lobby Hours
Wilmore Branch	106 Lexington Avenue, Wilmore, KY 40390	View Lobby Hours
Georgetown Branch	1045 Cynthiana Road, Georgetown, KY 40324	View Lobby Hours
Versailles Branch	100 United Drive, Versailles, KY 40383	View Lobby Hours
Southland Branch	100 N Bradford Lane, Georgetown, KY 40324	View Lobby Hours
West Park Branch	201 West Park Center, Lawrenceburg, KY 40342	View Lobby Hours
Harrodsburg Branch	838 North College St, Harrodsburg, KY 40330	View Lobby Hours
Cardinal Hills Branch	555 Versailles Road, Frankfort, KY 40601	View Lobby Hours
Frankfort Branch	150-52 Versailles Road, Frankfort, KY 40601	View Lobby Hours
Louisville Road Branch	1401 Louisville Road, Frankfort, KY 40601	View Lobby Hours
Lawrenceburg Bank Branch	128 South Main St, Lawrenceburg, KY 40342	View Lobby Hours
Franklin Square Branch	1275 U.S. 127 South, Frankfort, KY 40601	View Lobby Hours
United Bank & Capital Trust Company	125 West Main St, Frankfort, KY 40601	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.737%	5.625% 0.63 points $3,941 fees	$1,843	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

United Bank & Capital Trust Company - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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