Town & Country Bank and Trust Company

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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

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

3.50%

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.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 48^th largest bank in the state of Kentucky. It is also the 2,030^th 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)

Write a Review

Several Problems

Posted by: hray | Oct 25, 2024

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.

Comment

Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	15703
Year Established	1907
Employees	86
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.52%
Return on Equity - YTD	14.11%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$419.9MM$437.3MM
Loans	Q1 2025vs Q1 2024	$274.1MM$272.1MM
Deposits	Q1 2025vs Q1 2024	$370.5MM$352.1MM
Equity Capital	Q1 2025vs Q1 2024	$46.7MM$41.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.7MM$2.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$498K$70K
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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

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

3.50%

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
Checking
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.

Town & Country Bank and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Savings - Tiered Rate

Town & Country Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → $2k - $100k

Town & Country Bank and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	1102 Bypass South	Lawrenceburg, KY 40342
New Haven Branch	148 South Main Street	New Haven, KY 40051
Town & Country Bank and Trust Company	201 N 3rd St	Bardstown, KY 40004
Bardstown Plaza Branch	237 Nelson Plaza	Bardstown, KY 40004
West John Rowan Boulevard Branch	90 West John Rowan Boulevard	Bardstown, KY 40004

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