UCB’s routing number is 083908381
Independent Community Bankers’ Bank, Inc.
Routing Number: 0839-01896
107 Progress Drive
Frankfort, KY 40601
Phone: 800.248.3229
FURTHER CREDIT
United Community Bank of West Kentucky
Account Number with Independent Community Bankers’ Bank, Inc.: 20-402-8
500 N Morgan
Morganfield, KY 42437
Phone: 270.389.3232
CUSTOMER’S INFORMATION RECEIVING WIRE:
Account Name:___________________________________
Physical Address: __________________________________
Phone Number: ____________________________________
Account Number: ___________________________________
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.
Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.
Calculates the payments and interest on your adjustable rate mortgage.
A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.
The mortgage comparison calculator gives you financial statistics on different types of loans.
You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.
Computes the most expensive house you can buy.
Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Calculates the most expensive car you can afford.
Calculates a monthly savings amount in order to reach your college savings goal.
Computes how much money you will need to save each month in order to purchase something big.
Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.
Given loan information, determines the interest rate on that loan.
Determines the payment on a loan with a fixed rate.
Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.
This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Enter each transaction from your investment portfolio and determine your percentage yields before and after fees and taxes.
Estimates a monthly deposit amount in order to save to a million dollars.
Determines the return rate on an investment.
Computes what an amount invested today will be worth at some point in the future.
Compute the total amount you would be able to save with monthly deposits.
Compute the rate of return you would need to reach your savings goal.
Compute how much money you would need to start with to reach a savings goal.
Computes the monthly deposit amount needed to reach a savings goal.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.
Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.
Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.
Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.
Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.
Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.
Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
This calculator computes the amount you can afford to lease.
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.
This calculator computes the amount you can afford to lease.
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.
This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.
From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.
This agreement and the use of this website are governed by the laws of the State of Kentucky
IMPORTANT INFORMATION: ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT
Section 326 of the USA PATRIOT ACT
requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
This federal requirement applies to all new customers.
This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.
What this means to you:
when you open an account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them.
Additionally, FinCEN has adopted
what they describe as a “two pronged” approach to beneficial ownership.
The ownership prong includes all natural persons with 25% or more direct or indirect equity interest in a legal entity while the control prong is a single individual with significant managerial responsibility
(the Rule says “control, manage or direct”) over the legal entity.
We will ask to see each person’s driver’s license and other identifying documents,
and copy or record information from each of them.
In our effort to provide a fully accessible and optimized user experience for all site visitors, United Community Bank of West Kentucky has taken careful measure to ensure an excellent user experience, regardless of the assistive technology being used to access this site or the specific abilities of those individuals seeking access to this site.
The United Community Bank of West Kentucky website is monitored and tested regularly by internal resources and by AudioEye, a 3rd-Party provider of Web Accessibility testing and monitoring. As issues of accessibility are identified, results of automated and manual testing are managed through the AudioEye® Digital Accessibility Platform.
The AudioEye web accessibility certification process involves automatic and manual testing with the goal of identifying and resolving access barriers, conforming with the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines (WCAG) 2.1 Level AA Success Criteria, and ensuring an optimal user experience for all users, regardless of their individual abilities.
AudioEye certifies that the United Community Bank of West Kentucky website is being optimized to substantially conform with AudioEye’s interpretation of the informative guidance provided by (WCAG) 2.1 AA.
This perpetual and uninterrupted service includes continuous monitoring, regularly scheduled manual audits, and, as needed, regular releases that improve access and usability for all users, including users of Assistive Technology. As new solutions are discovered to improve the user experience, remediation is tracked through the AudioEye system and fixes are implemented by FIRSTBranch by Kasasa to improve the website user experience.
The AudioEye Certification seal represents a commitment to accessibility and inclusion. The AudioEye certification process involves automatic and manual testing with the goal of meeting Web Content Accessibility Guidelines (WCAG) 2.1 Level AA Standards.
AudioEye certifies that the www.ucbwest.com website has been designed and fully optimized to meet the WCAG 2.1 Level AA Success Criteria to the greatest extent possible.
Notice something wrong? Please provide your feedback
This website is regularly tested using a variety of assistive technologies.
We recommend using the following web browser / screen reader combinations for an optimized experience:
For Windows users: JAWS and Microsoft Edge or NVDA and Firefox
For Mac users: VoiceOver and Safari or VoiceOver and Chrome
For mobile users: VoiceOver for the iPhone and TalkBack for Android devices
Web Accessibility Guidelines
United Community Bank of West Kentucky has leveraged the Web Content Accessibility Guidelines (WCAG) 2.1 as reference to ensure the web content made available from this site is more accessible for individuals with disabilities and user friendly for everyone.
These globally recognized best practices (as recommended by the World Wide Web Consortium) consist of three levels of accessibility measurement (A, AA, and AAA). To the greatest extent feasible, United Community Bank of West Kentucky has elected to conform to Level AA of these guidelines.
Related Links
Web Accessibility Initiative (WAI)
Design guidelines for electronic and information technology
Dedicated web accessibility experts are available to assist site visitors with any issues accessing content and the various services and functions made available across the United Community Bank of West Kentucky website. Site visitors may choose to engage with the Help Desk to report and troubleshoot web accessibility related issues.
If you enjoyed using the United Community Bank of West Kentucky website, or if you encounter issues with any page on our site that presents a challenge for individuals with disabilities, please submit your feedback.
Throughout this website, we may make use of different 3rd party websites such as Instagram, YouTube, Twitter, and Facebook to spread news and information about United Community Bank of West Kentucky products and services. These sites, which are not controlled by United Community Bank of West Kentucky, may present challenges for individuals with disabilities that we are not able to control or remedy. Please know that these sites are not used as the sole source of (or sole vehicle for communicating) important information.
As made publicly available, here are the Accessibility Information pages provided from these 3rd party sites:
Facebook Accessibility Policy
YouTube Accessibility Policy
Twitter Accessibility Policy
Instagram Accessibility Policy
LinkedIn Accessibility Policy
| FACTS | WHAT DOES UNITED COMMUNITY BANK OF WEST KENTUCKY INC DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
FACTS Why? | WHAT DOES UNITED COMMUNITY BANK OF WEST KENTUCKY INC DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
FACTS What? | WHAT DOES UNITED COMMUNITY BANK OF WEST KENTUCKY INC DO WITH YOUR PERSONAL INFORMATION? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
FACTS How? | WHAT DOES UNITED COMMUNITY BANK OF WEST KENTUCKY INC DO WITH YOUR PERSONAL INFORMATION? All financial companies need to share ‘customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their ‘customers’ personal information; the reasons United Community Bank of West Kentucky Inc. chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does United Community Bank of West Kentucky Inc. share? | Can you limit this sharing? |
|---|---|---|
Reasons we can share your personal information For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Does United Community Bank of West Kentucky Inc. share? Yes | Can you limit this sharing? No |
Reasons we can share your personal information For our marketing purposes— to offer our products and services to you | Does United Community Bank of West Kentucky Inc. share? Yes | Can you limit this sharing? No |
Reasons we can share your personal information For joint marketing with other financial companies | Does United Community Bank of West Kentucky Inc. share? No | Can you limit this sharing? We don't share |
Reasons we can share your personal information For our affiliates’ everyday business purposes— information about your transactions and experiences | Does United Community Bank of West Kentucky Inc. share? No | Can you limit this sharing? We don't share |
Reasons we can share your personal information For our affiliates’ everyday business purposes— information about your creditworthiness | Does United Community Bank of West Kentucky Inc. share? No | Can you limit this sharing? We don't share |
Reasons we can share your personal information For our affiliates to market to you | Does United Community Bank of West Kentucky Inc. share? No | Can you limit this sharing? We don't share |
Reasons we can share your personal information For nonaffiliates to market to you | Does United Community Bank of West Kentucky Inc. share? No | Can you limit this sharing? We don't share |
| Questions? | Call 270-389-3232 or go to ucbwest.com |
| What we do | |
|---|---|
What we do How does United Community Bank of West Kentucky Inc. protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
What we do How does United Community Bank of West Kentucky Inc. collect my personal information? | We collect your personal information, for example, when you
|
What we do Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
| Definitions | |
|---|---|
Definitions Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
Definitions Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
Definitions Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|