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Community Financial Services Bank

Popular Accounts at this Bank

3.05%Reward CheckingKasasa Cash
1.00%Reward SavingsKasasa Saver
1.42%5-year CD60 Month CD

Overview / Commentary
221 West Fifth Street
Benton, KY 42025

Community Financial Services Bank is headquartered in Benton and is the 16th largest bank in the state of Kentucky. It is also the 867th largest bank in the nation. It was established in 1890 and as of December of 2015, it had grown to 180 employees at 5 locations. Community Financial Services Bank's savings rates are 92% higher than the national average, and it has an A health rating.

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Reviews (3)

Awesome Bank!

I've had an account here for about two years and am pleased. This bank is strictly on-line for me. The checking and savings yields are fantastic (if you follow the protocols) as is the service if you need to speak with someone on the phone. If you are looking for yield and service with a decent web interface, I'd highly reccomend CFSB.

Field Of Accepted Membership Requirements

Posted by: kiwi | Feb 6, 2016

Thank you for your interest in a Kasasa Cash account with Community Financial Services Bank (CFSB). We are currently accepting applications from residents of Kentucky, Illinois, Indiana, Missouri, and Tennessee. If you are moving to this area, we would love the chance to be your community bank! We will be happy to process an application if you already have property located in one the states listed above.
I rated 5 because the other guy did. I have no experience with this bank.

Community Financial Services Bank

Posted by: grnbsh | Sep 12, 2015

Easy to start a new account, great rewards checking interest 3%, and fantastic customer service. I've had this bank as my bank for the past 21 months, and they recently helped me with a chargeback, and that was all settled with a refund the next day.


Health Grade Components

FDIC Certificate #287
Year Established1890
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD10.75%
Annual Interest Income$35.1MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$825.3MM$726.1MM
LoansQ4 2015vs Q4 2014$683.5MM$604.6MM
DepositsQ4 2015vs Q4 2014$723.2MM$640.5MM
Equity CapitalQ4 2015vs Q4 2014$78.7MM$66.4MM
Loan Loss AllowanceQ4 2015vs Q4 2014$8.0MM$7.1MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$5.2MM$8.1MM
Real Estate OwnedQ4 2015vs Q4 2014$1.6MM$888.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Financial Services Bank Savings Account Rates

1.00%*-$30kKasasa Saver
OTHER TIERS: 0.50% $30k+
0.55%*$250k*-Advantage Savings
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $25k | 0.45% $100k - $250k

Community Financial Services Bank Checking Account Rates

3.05%*-$20kKasasa Cash
OTHER TIERS: 0.50% $20k+
0.12%$5k-Prime Advantage Checking

Community Financial Services Bank CD Rates

2.10%$1k-63 Month CD Special
1.75%$1k-33 Month CD Special
1.42%$1k-60 Month CD
1.00%$1k-13 Month CD Special
0.95%$1k-48 Month CD
0.70%$1k-36 Month CD
0.65%$1k-30 Month CD
0.45%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.15%$1k-182 Day CD
0.10%$1k-31 Day CD
0.10%$1k-91 Day CD

Community Financial Services Bank IRA Rates

2.10%$1k-63 Month IRA Special
1.75%$1k-33 Month IRA Special
1.41%$1k-60 Month IRA
1.00%$1k-13 Month IRA Special
0.95%$1k-48 Month IRA
0.70%$1k-36 Month IRA
0.66%$25-12 Month Variable IRA
0.65%$1k-30 Month IRA
0.45%$1k-24 Month IRA
0.25%$1k-18 Month IRA
0.20%$1k-12 Month IRA
0.15%$1k-182 Day IRA

Community Financial Services Bank Locations
Calloway County Banking Center Branch1721 North 12th StreetMurray, KY 42071
Draffenville Banking Center Branch23 Highway 68 WestBenton, KY 42025
Mccracken County Banking Center Branch3390 Park AvenuePaducah, KY 42001
Calvert City Banking Center Branch456 5th AvenueCalvert City, KY 42029
Community Financial Services Bank221 West Fifth StreetBenton, KY 42025