Central Bank & Trust Co.
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.25% | 5-year CD | 5 Year CD 2.50% - Ally Bank High Yield 5 Year CD |
| 0.75% | 1-year CD | 1 Year CentralAdvantage CD - PROMO |
| 0.20% | Savings | Savings Accounts |
Central Bank & Trust Co. is headquartered in Lexington and is the 4th largest bank in the state of Kentucky. It is also the 363rd largest bank in the nation. It was established in 1938 and as of December of 2017, it had grown to 496 employees at 26 locations. Central Bank & Trust Co.'s money market rates are 36% higher than the national average, and it has an A health rating.
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Great Local Bank
Central Bank is an incredible local Bank in Central Kentucky. They strive for excellent customer service and the people are just as friendly as they can be. I would recommend this bank to anyone who needs a checking account with minimal fees and a helping community!
Data as of Q4 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 15815 |
| Year Established | 1938 |
| Employees | 496 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.76% |
| Return on Equity - YTD | 6.83% |
| Annual Interest Income | $92.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2017vs Q4 2016 | $2.41B$2.13B |
| Loans | Q4 2017vs Q4 2016 | $1.97B$1.64B |
| Deposits | Q4 2017vs Q4 2016 | $1.99B$1.77B |
| Equity Capital | Q4 2017vs Q4 2016 | $267.9MM$225.9MM |
| Loan Loss Allowance | Q4 2017vs Q4 2016 | $20.5MM$19.2MM |
| Unbacked Noncurrent Loans | Q4 2017vs Q4 2016 | $13.0MM$24.8MM |
| Real Estate Owned | Q4 2017vs Q4 2016 | $2.7MM$4.4MM |
Always verify rates and promotions with the bank or credit union. We are not Central Bank & Trust Co.; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Central Bank & Trust Co. Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | - | - | Health Savings Accounts | |
| 0.20% | - | - | Savings Accounts |
Central Bank & Trust Co. Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.60%* | $250k* | - | Personal Central Money Market | ||
| OTHER TIERS: 0.20% → Up to $10k | 0.30% → $10k - $50k | 0.40% → $50k - $100k | 0.50% → $100k - $250k | |||||
| 0.40%* | $250k* | - | Non-Personal Central Money Market | ||
| OTHER TIERS: 0.20% → Up to $50k | 0.25% → $50k - $100k | 0.30% → $100k - $250k | |||||
| 0.20% | - | - | Money Market | ||
| 0.20% | - | - | Money Market Plus | ||
Central Bank & Trust Co. Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.45%* | $50k* | - | Platinum Checking | ||
| OTHER TIERS: 0.20% → Up to $10k | 0.30% → $10k - $50k | |||||
| 0.20% | - | - | Consumer Interest Checking | ||
| 0.20% | - | - | Business Interest Checking | ||
| 0.20% | - | - | Business 250 Interest Checking | ||
Central Bank & Trust Co. CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.25% | $500 | - | 5 Year CD | |
| 1.91% | $2,500 | - | 1 Year CD Management Account - Variable - PROMO | |
| 1.75% | $500 | - | 4 Year CD | |
| 1.50% | $500 | - | 3 Year CD | |
| 1.25% | $500 | - | 2 Year CD | |
| 0.90% | $500 | - | 1 Year CD | |
| 0.75% | $2,500 | - | 1 Year CentralAdvantage CD - PROMO | |
| 0.60% | $1k | - | 180-364 Day CD | |
| 0.35% | $2,500 | - | 90-179 Day CD | |
| 0.25% | $5k | - | 32-89 Day CD | |
| 0.20% | $20k | - | 7-31 Day CD |
Central Bank & Trust Co. IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.25% | $500 | - | 60 Month Fixed Rate IRA | |
| 1.50% | $500 | - | 36 Month Fixed Rate IRA | |
| 1.25% | $500 | - | 24 Month Fixed Rate IRA | |
| 0.90% | $500 | - | 12 Month Fixed Rate IRA | |
| 0.60% | $500 | - | 6 Month Fixed Rate IRA | |
| 0.50% | $100 | - | 18 Month Variable IRA |
