Banks | Central Bank & Trust Co.

Central Bank & Trust Co.

Central Bank & Trust Co. is an FDIC insured institution headquartered at 300 W Vine St, Lexington, KY 40507.
It was founded in 1938 and has approximately $4 billion in assets. Customers can open an account at one of its 26 branches.

Deposit Rates - November 03, 2025

SAVINGS RATES	APY	MIN
Savings	0.05%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.20%	$10,000	Compare
6 Mo CD	0.20%	$100,000	Compare
Special: 12 Mo CD	0.15%	$2,500	Compare
Special: 12 Mo CD	0.17%	$2,500	Compare
12 Mo CD	0.20%	$10,000	Compare
12 Mo CD	0.20%	$100,000	Compare
24 Mo CD	0.30%	$10,000	Compare
24 Mo CD	0.30%	$100,000	Compare
36 Mo CD	0.50%	$10,000	Compare
36 Mo CD	0.50%	$100,000	Compare
48 Mo CD	0.55%	$10,000	Compare
48 Mo CD	0.55%	$100,000	Compare
60 Mo CD	0.65%	$10,000	Compare
60 Mo CD	0.65%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.05%	$2,500	Compare
Money Market	0.05%	$10,000	Compare
Money Market	0.05%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.05%	$2,500

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
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Advertiser Disclosure

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2025-10-31
Equal Housing Lender

Intro APR: 6.990 %
After Intro:6.990 %

Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-10-31

Intro APR: 5.990 %
After Intro:7.250 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]

PenFed Credit Union
NMLS ID: 401822 / Updated 2025-11-02
Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
Get a HELOC from PenFed to Put Your Home Equity to Work
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Reliant Home Funding, Inc.
NMLS ID: 292473

5.769%

$1,843 Fees & Points $5,083 Total
0.965 Pts ($3,088)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

PenFed Credit Union
NMLS ID: 401822

6.174%

$1,919 Fees & Points $6,000 Total
0.875 Pts ($2,800)
$3,200 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Homeowners best kept secret for cash
See if a HELOAN could lower payments
Access cash without a changing your rate

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 15815
Date Established	1938
Assets	$ 3.77 billion
Loans	$ 2.83 billion
Deposits	$ 2.94 billion
Capital	$ 457.22 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 328.62 million
Interest-bearing balances	$ 258.00 million
Total securities	$ 452.03 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 2.83 billion
Loan loss allowance	$ 28.91 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 14.48 million
All other assets	$ 53.93 million
Total Assets	$ 3.31 billion

LIABILITIES
Total deposits	$ 2.94 billion
Interest-bearing deposits	$ 1,865.51 million
Deposits held in domestic offices	$ 2.94 billion
% insured (estimated)"	66.80%
Federal funds purchased and repurchase agreements	$ 209.60 million
Trading liabilities	N.A.
Other borrowed funds	$ 25.05 million
Subordinated debt	N.A.
All other liabilities	$ 107.81 millionn
Total Liabilities	$ 3.31 billion
Shareholders’ Equity	$ 457.22 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 95.63 million
Total Interest Expense	$ 26.64 million
Net interest income	$ 68.99 million
Provision for loan and lease losses	$ 0.15 million
Total non interest income	$ 23.01 million
Total non interest expense	$ 64.62 million
Pre-tax Net Operating Income	$ 9.05 million

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Branches

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