What are the current interest rates at Bank of Lexington?

Current rates for Bank of Lexington include: 12-Month CD: 4.25%

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Bank of Lexington Rates & Review August 2026

Item: Bank of Lexington
Rating: 2
Author: Bill Brown/ Mount Gilead Baptist Church

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Bank of Lexington's 12-Months 12-Month CD rates are at 4.25%, 6-Months 6-Month CD rates are at 3.90%. MonitorBankRates evaluates the financial stability of Bank of Lexington with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.22%. Rates last updated and verified on 08/28/2026.

Bank of Lexington money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Lexington? Share your experience about Bank of Lexington by leaving a review below, or read customer reviews before you decide to use Bank of Lexington.

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.22%

Excellent Lower than avg

Bank of Lexington, Inc.

761 Corporate Dr
Lexington, KY 40503

https://www.bankoflexington.net

Bank of Lexington CD Rates

Product	Rate	APY	Term
12-Month CD	-	4.25%	12 Months
Min Deposit $500 Details APY is accurate as of 7/23/2026. Offer is subject to change at any time. Interest is compounded daily. A penalty can occur for early withdrawal. Special CD rates are effective for the initial term only. CD will automatically renew at the base non-special rate in effect at maturity for the corresponding original term. Ask about additional terms and conditions. *Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
6-Month CD	-	3.90%	6 Months
Min Deposit $500 Details APY is accurate as of 7/23/2026. Offer is subject to change at any time. Interest is compounded daily. A penalty can occur for early withdrawal. Special CD rates are effective for the initial term only. CD will automatically renew at the base non-special rate in effect at maturity for the corresponding original term. Ask about additional terms and conditions. *Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of Lexington is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of Lexington rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of Lexington's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of Lexington

Bank Holding Company FIRST BRECKINRIDGE BANCSHARES

Address 761 Corporate Dr, Lexington, KY 40503 · Fayette

Website https://www.bankoflexington.net

FDIC Certificate # 58164

Established 02/06/2006

FDIC Insurance Date 02/06/2006

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.22%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6339%

Return on Equity (ROE) 16.4800%

Non-Performing Loans (NPL) 0.11%

Total Assets $401,098,000

Total Deposits $349,714,000

Equity Capital $43,117,000

Net Income $5,921,000

Headquarters Lexington

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

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Customer Reviews

Bill Brown

★★★★★

August 19, 2026

Opened a CD with Bank of Lexington at the Tate Creek Branch on 8/18/2026. Unlike my previous experience with the Sir Barton Branch, the employees were exceptionally professional and friendly. Andrea deserves high recognition for the professionalism she displayed during our meeting. Apparently her training came from a different avenue than the training at Sir Barton, thank-you Andrea, hope to see you soon for another pleasant experience. May God Bless.

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Bill Brown/ Mount Gilead Baptist Church

★★☆☆☆

August 17, 2026

Opened a CD with Bank Of Lexington on 8/6/2026, #1.the teller was very unprofessional, empty rooms were available for privacy, but we had to ask for that privilege. 2. We supplied a document with all required information, the teller copied the tax ID number wrong, we caught the error the next day, went back to the Sir Barton Branch to correct the error, the teller acted as if we made the error for not catching the error when we signed the all is correct document. Hopefully this rating will help future customers to receive better service.

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Want to discuss Bank of Lexington with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★☆☆

Total Reviews

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Frequently Asked Questions About Bank of Lexington

How many branches does Bank of Lexington operate?

Bank of Lexington currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of Lexington does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Lexington provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Lexington offer online and mobile banking?

Most modern institutions like Bank of Lexington provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankoflexington.net.