Citizens Bank & Trust Company (KY)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cbtky.com

270-465-8193

201 East Main Street
Campbellsville, KY 42718

Citizens Bank & Trust Company (KY) is headquartered in CAMPBELLSVILLE and is the 57^th largest bank in the state of Kentucky. It is also the 2,316^th largest bank in the nation. It was established in 1939 and as of March of 2025, it had grown to 47 employees at 4 locations. Citizens Bank & Trust Company (KY)'s CD rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	15675
Year Established	1939
Employees	47
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	7.75%
Annual Interest Income	$4.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$339.3MM$334.4MM
Loans	Q1 2025vs Q1 2024	$188.3MM$170.4MM
Deposits	Q1 2025vs Q1 2024	$294.7MM$292.9MM
Equity Capital	Q1 2025vs Q1 2024	$42MM$39.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.3MM$3.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$288K$323K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Bank & Trust Company (KY) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.82%^*	$250k^*	-	Tiered Money Market
OTHER TIERS: 1.00% → $0 - $2.5k \| 2.53% → $2.5k - $10k \| 3.04% → $10k - $50k \| 3.30% → $50k - $150k \| 3.56% → $150k - $250k

Citizens Bank & Trust Company (KY) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.36%	$500	-	30 Month CD
4.35%	$500	-	2 Year CD
4.35%	$500	-	3 Year CD
4.35%	$500	-	4 Year CD
4.27%	$500	-	18 Month CD
4.26%	$500	-	15 Month CD
4.25%	$500	-	5 Year CD
4.04%	$500	-	182 Day CD
4.00%	$500	-	1 Year CD
3.70%	$500	-	91 Day CD
3.56%	$500	-	30 Day CD

Citizens Bank & Trust Company (KY) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.32%	$500	-	18 Month Fixed IRA
4.32%	$0	-	18 Month Variable IRA

Locations

Citizens Bank & Trust Company (KY) Locations
Elmhurst Plaza Branch	1307 East Broadway	Campbellsville, KY 42718
Citizens Bank & Trust Company	201 E Main St	Campbellsville, KY 42718
Campbellsville Branch	280 Campbellsville Bypass	Campbellsville, KY 42718
Main Street Branch	408 East Main Street	Campbellsville, KY 42718

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