The Cecilian Bank

Overview / Commentary
104 East Main
Cecilia, KY 42724

The Cecilian Bank is headquartered in CECILIA and is the 12th largest bank in the state of Kentucky. It is also the 742nd largest bank in the nation. It was established in 1903 and as of December of 2023, it had grown to 244 employees at 20 locations. The Cecilian Bank's savings rates are 5X the national average, and it has an A health rating.

Reviews (1)

Not Up To Modern Expectations

Posted by: |

Their process to get funds once you close a CD is very slow and not customer friendly. They are not even set up to wire funds to your chosen bank so you can get asap when needed. Unless you are able to drive back to the bank and handle the closing in person, it is not a bank we would recommend. They really need to become more modernized and not make closing a CD so tedious.


Health Grade Components

FDIC Certificate #8774
Year Established1903
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD12.63%
Annual Interest Income$58.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.49B$1.4B
LoansQ4 2023vs Q4 2022$961.5MM$870.8MM
DepositsQ4 2023vs Q4 2022$1.24B$1.16B
Equity CapitalQ4 2023vs Q4 2022$130.6MM$108.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$10.1MM$9.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$3.4MM$2.5MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not The Cecilian Bank; 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.

The Cecilian Bank Savings Account Rates

2.50%$50k-Power $avings Account
0.05%$50-Choice Savings Account
0.04%*$10k*-Health Savings Account
OTHER TIERS: 0.01% Up to $2.5k | 0.02% $2.5k - $10k

The Cecilian Bank Money Market Rates

0.06%*$100k*-TGIF Money Market
OTHER TIERS: 0.01% $1k - $2.5k | 0.02% $2.5k - $10k | 0.03% $10k - $25k | 0.04% $25k - $50k | 0.05% $50k - $100k
0.05%$10k-Business Partner Money Market Account
0.02%*$10k*-Money Market Fund Account
OTHER TIERS: 0.01% $500 - $10k

The Cecilian Bank Checking Account Rates

0.08%$10k-Easy Money Investment Checking Account
0.04%$1k-Choice Gold - Qualifying Tier 6
0.04%$1k-Choice 50 Gold - Qualifying Tier 6
0.04%*$100k*-Business Partner Investment Checking
OTHER TIERS: 0.01% $1k - $25k | 0.02% $25k - $50k | 0.03% $50k - $100k
0.04%*$100k*-Community Partner Investment Checking
OTHER TIERS: 0.01% $1k - $25k | 0.02% $25k - $50k | 0.03% $50k - $100k
0.03%$1k-Choice Gold - Qualifying Tier 5
0.03%$1k-Choice 50 Gold - Qualifying Tier 5
0.02%$1k-Choice Gold - Qualifying Tier 4
0.02%$1k-Choice 50 Gold - Qualifying Tier 4
0.01%$500-Now Account Checking
0.01%$1k-Choice Plus Checking
0.01%$1k-Choice Gold - Qualifying Tier 2
0.01%$1k-Choice Gold - Qualifying Tier 3
0.01%$1k-Choice 50 Gold - Qualifying Tier 2
0.01%$1k-Choice 50 Gold - Qualifying Tier 3

The Cecilian Bank CD Rates

5.00%$10k-6 Month Fixed CD
4.95%$10k-9 Month Fixed CD
4.10%$1k-11 Month Fixed CD
3.75%$1k-48 Month Fixed CD
3.75%$1k-60 Month Fixed CD
3.75%$1k-72 Month Fixed CD
3.50%$1k-30 Month Fixed CD
3.50%$1k-36 Month Fixed CD
3.50%$1k-27 Month Fixed CD
3.25%$1k-18 Month Fixed CD
3.25%$1k-24 Month Fixed CD
3.25%$1k-21 Month Fixed CD
2.50%$1k-12 Month Fixed CD
1.00%$1k-3 Month Fixed CD

The Cecilian Bank IRA Rates

5.00%$100-12 Month Fixed IRA
4.00%$100-48 Month Fixed IRA
4.00%$100-60 Month Fixed IRA
3.50%$100-30 Month Fixed IRA
3.50%$100-36 Month Fixed IRA
3.25%$100-18 Month Fixed IRA
3.25%$100-24 Month Fixed IRA
0.05%$100-3 Month Fixed IRA


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