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| Loan Term / Points Paid | Rate | APR* | Payment Amount |
|---|---|---|---|
| 15 Year 0 Points | 7.250 | 7.380 |
$456.43
|
| 20 Year 0 Points | 7.375 |
7.480
|
$398.98
|
| 30 Year 0 Points | 7.500 | 7.582 |
$349.60
|
*APR - Annual Percentage Rate
An Appraisal Fee of $450.00, a Mortgage Credit Report fee of either $32.15 for Single or $64.05 for Joint report and an Underwriting Fee of $385 for a total of either $867.15 or $899.05 will be assessed to the applicant to process an accepted application. The above APR's reflect any points charged and the underwriting fees based on a $50,000.00 loan amount with closing in the middle of the month. Twenty-five percent downpayment. Additional closing costs to third parties will be charged at closing. There is no additional cost to obtain the applicant's credit report.
All rates above are based on 75% loan to value for purchases or "No Cash Out Refinancings". Other conditions may affect the final APR.
Rate locks will be made after the application process is complete and the appraisal is received. The borrower must pay the applicable points to the bank before the rate can be locked. For 0 point loans we will collect 1% of loan amount, which is refundable to borrower at closing, or applied to all other closing costs. Rate locks are not to exceed 30 days.
All rates are subject to change. These rates do not constitute any loan commitment by Citizens Bank. All applicants are subject to credit approval. For most current rates, contact a mortgage loan representative at 270-465-8193.
Certificate of Deposit Rates
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| Term | Required Deposit Amount to Open | Rate | APY* |
|---|---|---|---|
| 30 Day | $500 | 2.50 | 2.53 |
| 91 Day | $500 | 3.00 | 3.03 |
| 182 Day | $500 | 3.00 | 3.02 |
| 1 Year | $500 | 4.00 | 4.00 |
| 15 Month | $500 | 4.75 | 4.75 |
| 18 Month | $500 | 4.00 | 4.01 |
| 2 Year | $500 | 4.25 | 4.25 |
| 30 Month | $500 | 4.25 | 4.26 |
| 3 Year | $500 | 4.25 | 4.25 |
| 4 Year | $500 | 4.25 | 4.25 |
| 5 Year | $500 | 4.00 | 4.00 |
*APY (Annual Percentage Yield) The annual percentage yields shown are offered on accounts accepted by the Bank and the effective date shown above, unless otherwise noted.
The rate may change after the account is opened.
Fees may reduce earnings.
Penalty may be imposed for early withdrawal.
Need more information?
Contact us at 270-465-8193 or e-mail customerinfo@cbtky.com
Tiered Money Market Rates
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| Tier | Required Tier Balance | Rate | APY* |
|---|---|---|---|
| Tier 1 | $250,000.00 or more | 4.625 | 4.72 |
| Tier 2 | $150,000.00 - 249,999.99 | 4.25 | 4.33 |
| Tier 3 | $50,000.00-$149,999.99 | 4.00 | 4.07 |
| Tier 4 | $10,000.00-$49,999.99 | 3.25 | 3.30 |
| Tier 5 | $2,500.00-$9,999.99 | 3.00 | 3.04 |
| Tier 6 | $2,499.99 or less (Statement Savings Rate) | 1.00 | 1.00 |
*APY (Annual Percentage Yield) The annual percentage yields shown are offered on accounts accepted by the Bank and the effective date shown above, unless otherwise noted. Minimum amount to open is $100.00.
The rate may change after the account is opened.
Fees may reduce earnings.
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