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Agricultural Working Capital & Lines of Credit

Keep Your Operation Moving

Farming requires capital. From purchasing seeds and fertilizer to covering fuel, feed, labor costs, and unexpected expenses. Having access to working capital can help keep your operation running smoothly throughout the season.

United Bank's agricultural working capital and lines of credit provide flexible financing solutions designed to support the day-to-day needs of farmers, ranchers, and all other agricultural producers. Whether you're preparing for planting season, managing cash flow, or addressing operational expenses, our experienced agricultural lenders are here to help.

Financing Built for the Agriculture Industry

United Bank's working capital and lines of credit give you access to funds when you need them most. Allowing you to respond quickly to seasonal demand and changing market conditions.

Benefits and Uses:

Flexible access to operating capital
Pay interest only on the funds utilized
Cover seed, fertilizer, chemicals, feed, fuel, and labor expenses
Cash flow management between planting and harvest
Revolving credit available for ongoing operations

Collateral Options:

Growing or harvested crops
Livestock
Farm Equipment
Real Estate

Ready to Explore Your Options?

A banker and a farmer shaking hands in a field

Getting started is easy:

Fill out the form below or contact us at 251-446-6000

United Bank offers Agricultural services to the Florida Panhandle, Southwest and Central Alabama, and Southeast Mississippi.

So what would you like the future to hold? Maybe a week at the beach. A gourmet set-up in the kitchen. A son or daughter at State U. Or the security of knowing you can handle life’s ups and downs. With a United Bank savings account, you set the goals and we’ll give you the tools to work toward them.

Deck the halls with a lot more dollars

From family gatherings to festive meals to fantastic gifts, the Christmas season can cost a pretty penny. One way to make it all more affordable is with year-round deposits to a special interest-earning account. When November arrives, all the money will be automatically deposited in your United Bank checking account for quick and easy access.

Apply Now

Christmas Club accounts are limited to one per customer
Maximum balance of $10,000
Minimum automatic deposit of $20 each month from a United Bank account
Additional deposits permitted
Account must be linked to a United Bank checking account for November distribution¹
Competitive interest accrues monthly and is paid at distribution (Interest rate in effect when the account was opened)²
$10 fee if withdrawals are made outside standard distribution date.
$10 fee if you close the account before distribution date³

¹ Distribution date will occur on the nearest business day following November 1. This date may vary.
² Interest rate and Annual Percentage Yield (APY) may change without notice.
³ Fees may reduce earnings.

An emergency fund is a safety net for your money, there to help you out when life makes an unexpected turn. If someone in your family gets sick, or if there are sudden changes in jobs, this money is there to give you peace of mind. Instead of worrying about how to pay for unexpected bills, your emergency fund can cover those costs.

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5.00% APY* on the first $5,000 in your account
Ability to set up automatic transfers from your checking account to your savings account each month or more frequently
FDIC-Insured account

Emergency Calculator

^{*APY = Annual Percentage Yield}
^{Rate Information: This Account is an interest bearing account. If the daily balance is less than $5,000.01, the interest rate paid on that portion of the balance will be 4.91%. The annual percentage yield for this tier will be 5.00%. If the daily balance is more that $5,000.00, but less than $10,000.01, the interest rate paid on that portion of the balance will be 0.75%. The annual percentage yield for this tier will range from 5.00% to 2.88%. If the daily balance is more than $10,000.00, the interest rate paid on that portion of the balance will be 0.05%. The APY for this tier will range from 2.88% to 0.05%. APY effective as of 9/30/25.}
^{Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.}^{Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.}^{Limitations: You must deposit $50.00 to open this account. There is no limitation for withdrawals or transfers, but a fee of $5.00 per withdrawal is assessed, in excess of 2 per month.}^{Account Fees: A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account.}

What makes an injury, illness or a chronic health condition even worse? Worrying about how to pay the health-care bills. At United Bank, we offer tax-advantaged HSAs that help you save the money needed to cover a wide range of doctor, dental and vision care, as well as prescription costs. That puts the focus back where it should be – on getting healthy and happy again.

¹ HDHP has a higher deductible than typical health plans and a maximum limit on the sum of the annual deductible and out-of-pocket medical expenses which may include copayments and other amounts, but do not include premiums.
² IRS contribution limits subject to change. Consult the IRS for current limits.
³ Fees may reduce earnings.
⁴ Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.