You will benefit from working with a bank that focuses on Agribusiness. With a wide range of products for farmers and agribusiness and four full-time Agriculture Bankers on staff, you can be assured agriculture is a priority at Union Bank & Trust Company. You can expect financing offers with flexible terms that fit your business style and your specific business cycle.
Working Capital Lines and Operating Loans
Enjoy the convenience of operating lines matching your sales and marketing program. Cash crop, livestock, and agribusiness lines of credit are set up to match your cash flow objectives.
Intermediate Term Loans
Loans for cattle, machinery and equipment are available. We offer three to five year loan terms with amortizations up to seven years.
Real Estate Financing
Financing on agriculture real estate with competitive rates and some long term fixed rate options. In addition UB&T has flexible repayment plans on real estate financing.
USDA Farm Service Agency Programs
UB&T Ag Lenders have a close working relationship with the FSA offices in our area and are knowledgeable and competent on FSA products, services and guarantees. We believe that when low rate options are available for our customers we should do the best to maximize those opportunities through working together to guarantee the customer the best rates and terms available.
UB&T offers crop insurance making us a one stop shop for all of your risk management needs. Multi Peril Crop Insurance products include yield protection, revenue protection, CAT coverage and Group Plans. Hail Insurance and milk & livestock price protection policies are also available. (Contracts are products of the Insurance industry. Not a deposit or other obligation of the Bank. Not guaranteed by any bank or company. Not insured by the FDIC. Not insured by any federal government agency.)
Building a farm or an ag related business is often a lifetime of hard work. Don't let lack of planning erase the legacy that you wish to leave behind. Our Trust Officers understand the benefits a Trust can bring to a family farm or business. If your plans are to protect and preserve assets, keep the farm or business in the family or continue the business for the next generation, our Trust Department can assist you in those decisions and help make sure your wishes are carried through.
You will find the checking accounts, deposit accounts and cash management tools needed for your ag related business. Some farmers enjoy the tools available with online banking for businesses and the option of using an on-site scanner to make deposits from the convenience of their home or office. We are happy to accept automatic deposit from your milk plant and the USDA. UB&T strives to provide the state of the art technology you expect with the familiar old fashion handshake