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: 2578474	6.366%	6.250% 0.88 points $3,949 fees	$1,971	Learn More
NMLS ID: 449401	6.625%	6.625% 0.00 points $0 fees	$2,049	Learn More
NMLS ID: 401822	6.655%	6.500% 1.00 points $5,195 fees	$2,023	Learn More
NMLS ID: 1025894	6.707%	6.625% 0.63 points $2,700 fees	$2,049	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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 6.490 % After Intro: 7.750 % 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]
Achieve Loans See Table	Intro APR 9.875 % After Intro: 9.875 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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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