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Central Bank & Trust Co.

Eligibility Requirements | Locations (28) | Receive alerts for this bank

Based on 1 review

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Overview / Commentary

www.centralbank.com

859-253-6013

300 West Vine Street
Lexington, KY 40507

Central Bank & Trust Co. is headquartered in Lexington and is the 4^th largest bank in the state of Kentucky. It is also the 339^th largest bank in the nation. It was established in 1938 and as of September of 2019, it had grown to 534 employees at 28 locations. Central Bank & Trust Co.'s money market rates are 25% higher than the national average, and it boasts an A+ health rating.

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4/12 - 5.27% 15-Month CD at a Kentucky Bank

Reviews (1)

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Great Local Bank

Posted by: lindsaymeyers63 | May 12, 2017

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!

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Health

A+

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	15815
Year Established	1938
Employees	534
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.2%
Return on Equity - YTD	10.48%
Annual Interest Income	$88.2MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$2.70B$2.54B
Loans	Q3 2019vs Q3 2018	$2.06B$2.01B
Deposits	Q3 2019vs Q3 2018	$2.16B$2.07B
Equity Capital	Q3 2019vs Q3 2018	$314.9MM$286.6MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$19.6MM$20.7MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$8.0MM$13.3MM
Real Estate Owned	Q3 2019vs Q3 2018	$2.3MM$2.4MM

Rates

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Savings
Money Market
Checking
CD
IRA

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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
0.15%	$1	-	Health Savings Account
0.10%	$1	-	Savings Account

Central Bank & Trust Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$250k^*	-	Personal Central Money Market Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.25% → $50k - $100k \| 0.45% → $100k - $250k
0.55%^*	$250k^*	-	Personal Central Community Money Market Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.25% → $50k - $100k \| 0.45% → $100k - $250k
0.35%^*	$250k^*	-	Non-Personal Central Community Money Market Account
OTHER TIERS: 0.10% → Up to $50k \| 0.15% → $50k - $100k \| 0.25% → $100k - $250k
0.35%^*	$250k^*	-	Non-Personal Central Money Market Account
OTHER TIERS: 0.10% → Up to $50k \| 0.15% → $50k - $100k \| 0.25% → $100k - $250k
0.10%	-	-	Money Market
0.10%	$1	-	Money Market Plus

Central Bank & Trust Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$50k^*	-	Platinum Checking
OTHER TIERS: 0.10% → $1 - $10k \| 0.15% → $10k - $50k
0.10%	$1	-	Consumer Interest Checking
0.10%	$1	-	Business Interest Checking
0.10%	$1	-	Business 250 Interest Checking

Central Bank & Trust Co. CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.90%	$500	-	5 Year CD
1.85%	$500	-	4 Year CD
1.65%	$500	-	3 Year CD
1.57%	$2.5k	-	1 Year Variable CD Management Account Special
1.30%	$500	-	2 Year CD
1.00%	$500	-	1 Year CD
0.75%	$2.5k	-	1 Year Central Advantage CD Special
0.55%	$1k	-	180 to 364 Day CD
0.30%	$2.5k	-	90 to 179 Day CD
0.20%	$5k	-	32 to 89 Day CD
0.15%	$20k	-	7 to 31 Day CD

Central Bank & Trust Co. IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.90%	$500	-	60 Month IRA
1.65%	$500	-	36 Month IRA
1.60%	$100	-	18 Month Variable Rate IRA
1.30%	$500	-	24 Month IRA
1.00%	$500	-	12 Month IRA
0.55%	$500	-	6 Month IRA

Locations

Availability

Lexington Area

Lexington Area bank & credit union details

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