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Town & Country Bank and Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
Bonus Amount
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.mytcbt.bank
502-348-3911
201 N. Third Street
Bardstown, KY 40004

Town & Country Bank and Trust Company is headquartered in BARDSTOWN and is the 48th largest bank in the state of Kentucky. It is also the 2,030th largest bank in the nation. It was established in 1907 and as of March of 2025, it had grown to 86 employees at 5 locations. Town & Country Bank and Trust Company has an A+ health rating.

Reviews (1)

Several Problems

Posted by: |

During the plandemic, I asked them which rule I should break:

1. The federal law that prohibits entering a financial institution with a face cover

2. Their own rule that expects me to wear one.

It took only a day that they canceled my checking account, based on the "recommendation" of their "Compliance Officer."

Imagine how inconvenient that is, when you have all your automatic payments drawn from your checking.

Besides that, their remote check deposits never worked very well; I had to resend photos of checks over and over.

3


Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15703
Year Established1907
Employees86
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.52%
Return on Equity - YTD14.11%
Annual Interest Income$4.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$419.9MM$437.3MM
LoansQ1 2025vs Q1 2024$274.1MM$272.1MM
DepositsQ1 2025vs Q1 2024$370.5MM$352.1MM
Equity CapitalQ1 2025vs Q1 2024$46.7MM$41.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.7MM$2.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$498K$70K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
Bonus Amount
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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Always verify rates and promotions with the bank or credit union. We are not Town & Country Bank and Trust Company; 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.

Town & Country Bank and Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Savings - Tiered Rate

Town & Country Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-Money Market Account
OTHER TIERS: 0.05% → $2k - $100k

Town & Country Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Interest Earning Account - Tiered Rate
0.05%$0-Business Interest Earning Account - Tiered Rate
0.05%$0-Worry Free Checking

Town & Country Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-60 Month CD
0.35%$1k-48 Month CD
0.30%$1k-36 Month CD
0.25%$1k-24 Month CD
0.20%$1k-12 Month CD
0.15%$1k-182 Day CD
0.05%$1k-91 Day CD

Town & Country Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-60 Month IRA
0.35%$1k-48 Month IRA
0.30%$1k-36 Month IRA
0.25%$1k-24 Month IRA
0.20%$1k-12 Month IRA
Locations


Town & Country Bank and Trust Company Locations
Lawrenceburg Branch1102 Bypass SouthLawrenceburg, KY 40342
New Haven Branch148 South Main StreetNew Haven, KY 40051
Town & Country Bank and Trust Company201 N 3rd StBardstown, KY 40004
Bardstown Plaza Branch237 Nelson PlazaBardstown, KY 40004
West John Rowan Boulevard Branch90 West John Rowan BoulevardBardstown, KY 40004

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