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Loan Options

To Report a Lost or Stolen ATM or Debit card during business hours, please call customer support.

Customer Support

Central Kentucky:

859-236-4181 Main Office
859-236-4277 Ridgefield
859-792-3368 Lancaster

Frankfort:

502-223-1638 Main Office
502-695-3400 East Frankfort
502-223-3472 West Frankfort


To Report a Lost or Stolen ATM or Debit card after business hours:

Call 1-800-528-2273


Voice Banking   

24 hour Tele-banking

1-800-436-5142 or

1-877-832-6798



ABOUT TRUST ONLINE

 

Loan Options

 
Our experienced lenders at our Main Street locations in Danville, in Frankfort, and our Lancaster branch office are ready to work with you today to determine which of our loan products best fit your needs. We are pleased to serve the residents of Anderson, Boyle, Casey, Franklin, Garrard, Henry, Jessamine, Lincoln, Madison, Mercer, Owen, Scott, Shelby, and Woodford Counties.
 
NOTE: Please contact our Loan Department to inquire about interest rates and more detailed term information not disclosed within this site.
 
 
Residential Real Estate Loans

We are proud to make the kind of sensible loans that make our community a better place to live. We don’t depend on approval decisions from an offsite underwriting center and we don’t refer your calls or questions to a call center for service. As your hometown lender our goal is to provide the best experience possible as we work to put you in the home of your dreams. We offer competitive rates for construction, purchase, refinance and home improvement. Please call us for more information.

 

Fixed Rate Mortgage Loans
Our fixed rate mortgage loans are available for purchase or refinance financing of owner occupied residential property
with features including but not limited to:
  • Loans are kept in-house — We will service your loan locally.
  • Competitive fixed interest rates
  • A flexible range of term options
  • Low Closing Costs-  nominal loan origination fee plus standard settlement costs
  • Loan to value ratios up to 80%
  • No prepayment penalty
  • Prompt turnaround from application to approval to closing
 
 
Adjustable Rate Mortgage Loans
Our adjustable rate mortgage loans are available for purchase, refinance or construction/permanent financing of residential property and offer features including but not limited to:
 
  • A flexible range of amortization term options
  • Low Closing Costs –nominal loan origination fee plus standard settlement costs
  • Loans are kept in-house —We will serve your loan locally.
  • No prepayment penalty
  • Prompt turnaround from application to approval to closing
 
Construction Loans
We provide construction financing for residential property that offers features including but not limited to:
 
  • Low Closing Costs-  nominal loan origination fee plus standard settlement costs
  • A flexible range of term options with quarterly interest payments
  • Competitive interest rates
  • Loan to value ratios up to 80%
  • Prompt turnaround from application to approval to closing
 
Construction/Perm Loans
Our Construction/Perm loan is available for owner-occupied residential property construction and offers many beneficial features including but not limited to:
 
  • One loan; one loan closing- Interest rate is locked at Construction Loan closing with the borrower’s selection of a Permanent Loan term
  • Construction Loan converts to Permanent Loan at maturity of construction term
  • A flexible range of Construction Loan terms with monthly interest payments
  • Competitive fixed or adjustable interest rates
  • Low Closing Costs – nominal loan origination fee plus standard settlement costs
  • Loan to value ratios up to 80%
  • Loans are kept in-house — We will service your loan locally.
  • No pre-payment penalty
  • Prompt turnaround from application to approval to closing
 
 
Home Equity Loans
The equity you have built in your home may qualify you for an affordable Home Equity Line of Credit. This financing option is a great way to finance repairs, debt consolidation, vacations or even your child’s college education. The monthly payments are low and the interest may be tax deductible. (Check with your tax advisor)

Our Home Equity Line of Credit offers features including but no limited to:

  • Line of Credit amounts up to 90% of appraised value
  • Prompt turnaround from application to approval to closing
 
 
Lot/Land Loans
We also offer loans for the purpose of purchasing or refinancing building lots and unimproved real property. Please contact us for further details regarding interest rates and terms.
 
 
Personal Loans
A new computer, furniture, home repairs, an auto purchase or even emergency expenses….these are just a few reasons you might need a personal loan.
We offer flexible rates and terms for both secured and unsecured financing to fit your needs and your budget.  
 
Commercial Loans
We also have loans available to our business and farming communities. Whether you are looking for a loan or a line credit to support or expand your business or your farming operation, we will work to accommodate your needs. Contact us for details regarding interest rates and terms. 
Commercial loan financing options include but are not limited to:
  • Non-residential real property
  • Land Development Loans-for improving real property prior to the construction of residential or non-residential structures
  • Lines of Credit
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