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Savings and Money Market Accounts

Type Minimum Balance Interest Rate APY
Minor Savings may elect to have Hometown or Premium Account
Hometown Savings $0 .10% .10%
Premium Savings $0-$999 .05% .05%
Premium Savings ($1,000 to $14,999) $1,000 to $14,999 .10% .10%
Premium Savings ($15,000 to $24,999) $15,000 to $24,999 .10% .10%
Premium Savings ($25,000 +) $25,000 + .15% .15%
Money Market Plus ($0-$24,999) $0 - $24,999 .10% .10%
Money Market Plus ($25,000+) $25,000+ .15% .15%

The rate may change after the account is opened. Minimum balance to open Hometown Savings and Premium Savings account and Money Market Plus account is $100.00.

 

Certificate of Deposit (CD) / IRA

Type Minimum Balance Interest Rate APY
8 Months (Special)* $2,500 0.50% 0.50%
19 Months (Special)* $2,500 1.00% 1.00%
59 Months (Special)* $2,500 1.98% 2.00%
0 - 2 Months $500 0.10% 0.10%
3 - 5 Months $500 0.10% 0.10%
6 - 11 Months $500 0.10% 0.10%
12 - 23 Months $500 0.20% 0.20%
24 - 29 Months $500 0.40% 0.40%
30 - 35 Months $500 0.40% 0.40%
36 - 47 Months $500 0.60% 0.60%
48 - 59 Months $500 0.75% 0.75%
60 Months or Longer $500 1.00% 1.00%

Penalty applies for early withdrawal from CD.  Minimum balance required to open. 

*Annual Percentage Yield (APY). Rates subject to change. A new or existing checking account is required for all promotional CD offers. $100 minimum deposit required to open any consumer checking account. Not available for commercial or nonprofit accounts.  $2,500 minimum deposit is required to open CD. Maximum CD amount of $100,000 per customer.

Health Savings Account (HSA)

Type Minimum Balance Interest Rate APY
HSA Checking $499 or Less 0% 0%
HSA ($500+) $500 or More .05% .05%
HSA Money Market Sweep $0 - $499 0% 0%
$500 - $2000 .05% .05%
$2001 - $4000 .10% .10%
$4001 or More .15% .15%
HSA CD Rates are the same as the Certificate of Deposit Rates listed above.

The rate may change after the account is opened.

Checking

Type Minimum Balance Interest Rate APY
Loyalty Account $0+ 0.05% 0.05%
Elite Checking $10,000+ 0.10% 0.10%
Elite Checking $2,500 - $9,999 0.05% 0.05%
Loyalty Checking $0+ 0.05% 0.05%

The rate may change after the account is opened.  Minimum balance to open a checking account is $100.00.

 

Variable Rate Home Equity Lines

Type Loan to Value APR
$7,000 - $49,999 80% or less 3.99%*
$50,000-$99,999 80% or less 3.49%*
$100,000 or more 80% or less 2.99%*
*MAXIMUM APR 24%
$7,000 - $49,999 81-89% 4.99%*
$50,000 or more 81-89% 4.99%*
*MAXIMUM APR 24%

Five-Year Fixed Home Equity Lines

Loan to Value APR
80% 6.50%
81-90% 7.00%
On all Home Equity Lines of Credit: Fees up to $300 may be imposed to open these accounts. An annual fee of $65 may apply. Prepayment penalty is $325.00 if closed within the first three years. Late charge is $25.00.

Home Equity Installment Loans

Type Loan to Value Rate APR (based on 5000 loan) Monthly payment (based on 5000 loan)
5 yr. fixed LTV < 80% 5.50% 6.615% $98.10
5 yr. fixed LTV > 80% 6.50% 7.622% $100.48
5 yr. fixed (balloon) LTV < 80% 4.99% 5.649% $35.56; Final Balloon Payment: $4,204.29
5 yr. fixed (balloon) LTV > 80% 6.50% 7.174% $39.96; Final Balloon Payment: $4,316.00

Please contact your nearest banking center location or call (859)371-2340

Home Equity Loans and Lines of Credit rates vary by loan amount, term, and availability. APR and loan terms are subject to change. Rates and APRs vary depending on property type, loan amount, loan-to-value (LTV), the property's appraised value, personal credit score, owner occupying the property and payment of customary fees at closing.  Rates are tied to Prime and are subject to change during loan term and may vary. "Prime" means the "Bank Prime Loan" rate published by the Wall Street Journal. Use of the word "Prime" does not mean the rate is the best or lowest rate offered by any lender.  Other terms and conditions may apply. The Bank of Kentucky is an equal housing lender, member FDIC.

Automobile Loans

Year Rate Term APR Monthly Payment
2012 or 2013 3.99% 36 MOS 5.766% $151.58
2012 or 2013 3.99% 48 MOS 5.341% $115.92
2012 or 2013 3.99% 60 MOS 5.085% $94.55
2013 3.99% 66 MOS 4.988% $86.78
Used 2011 3.99% 54 MOS 5.197% $104.04
Used 2010* 4.99% 48 MOS 6.350% $118.23
Used 2009* 4.99% 42 MOS 6.534% $133.50
Used 2008* 4.99% 36 MOS 6.779% $153.88
Used 2007* 6.25% 30 MOS 8.396% $185.35
Used 2006 & older* 7.00% 30 MOS 9.156% $187.10
The above rates apply to cars and trucks only.
Please refer all other inquiries to a loan officer.
* Rates assume a down payment of 10% of the purchase price. .
The monthly payments calculated above are based on a $5,000 loan. No pre-payment penalty. Late payment fee of $25

Mortgage Rates based on 80% LTV for owner occupied property*
Contact us for other available rates

Mortgage Rates

Type Rate Points Max. Loan Max. LTV APR Factor Per Thousand
30 Year Fixed 4.125% 0 $417,000 95% 4.196% 4.8465
20 Year Fixed 3.875% 0 $417,000 95% 3.972% 5.9941
15 Year Fixed 3.250% 0 $417,000 95% 3.372% 7.0267
Portfolio Rates
3/1 ARM 4.250% .500 $500,000 89% 3.490% 4.9194
5/1 ARM 4.500% .500 $500,000 89% 3.731% 5.0669
APR = Annual Percentage Rate

*Mortgage loan rates may vary by loan amount, term, and availability. Until a mortgage loan rate is "locked" for a specific period of time, APR and loan terms are subject to change. Rates vary depending on property type, loan amount, down payment, loan-to-value (LTV), the property's appraised value, personal credit score and owner occupying the property. ARM rates are subject to increase during loan term and vary depending upon the selected ARM. Rates assume a 20% equity position and payment of customary fees at loan closing. Private mortgage insurance may be required when the LTV is over 80%. The cost varies based on the loan program and LTV. Interest rates are typically higher for "Jumbo" loans. Other terms and conditions may apply.

APR calculations assume a loan amount of $100,000 on a single-family owner-occupied residence with an LTV of less than 80% with 30 days of prepaid interest. Monthly payment calculation using the monthly factor assumes a loan amount of $100,000 and includes principal and interest only. PMI, hazard insurance, property taxes, state taxes, mortgage taxes and any other reoccurring costs are not included. 

Monthly payment can be calculated by using the factor per thousand of the loan amount in the table above.  (Example: assuming a loan amount of $100,000 on a 30 year fixed rate conventional loan with a rate of 3.875%: 100 x 4.7024 = $470.24/month)

Rates may be higher for loans greater than $417,000.00. Closing costs assume an escrow account will be established unless otherwise specified. All loans subject to underwriter approval. Rates are subject to change without notice. Other fees and charges may apply. The Bank of Kentucky is an equal housing lender, member FDIC.

Construction Loans

Rate Points Max. Loan Max. LTV Term APR
4.250 1.00 $500,000.00 80% 4 to 12 Months N/A

Annual percentage rate is variable and may increase after consummation of the loan.

Key Rates

Type Rate
Prime Rate 3.25%
1 Yr. Treasury Index 0.11%
3 Yr. Treasury Index 0.98%
5 Yr. Treasury Index 1.69%
Federal Reserve Funds 0.25%
90 day T-bill (Previous month's average) 0.033%
180 day T-bill (Previous month's average) 0.059%