What are the current interest rates at Central Bank & Trust Company?

Current rates for Central Bank & Trust Company include: 12-Month CD: 3.75%, 18-Month CD: 3.00%, 24-Month CD: 4.25%, 36-Month CD: 4.30%, 48-Month CD: 4.35%, 60-Month CD: 4.50%, Savings: 1.00%, MMA: 3.50%

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Central Bank & Trust Company Rates & Review October 2026

Q: How many branches does Central Bank & Trust Company operate?

Central Bank & Trust Company currently maintains approximately 29 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Central Bank & Trust Company 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.

Q: Are credit management and repair services offered?

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

Q: Does Central Bank & Trust Company offer online and mobile banking?

Most modern institutions like Central Bank & Trust Company 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.centralbank.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Central Bank & Trust Company's top rates as of October 14, 2026 are 4.50% APY on its Certificate of Deposit - 5 Years, 1.00% APY on savings, 3.50% APY on money market accounts, 1.50% APY on checking, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other Central Bank & Trust Company CD rates include 60-Months Individual Retirement Account Fixed Rate - 60-Month at 4.50%, CD Management Account (1 year -variable rate) at 4.38%, and Certificate of Deposit - 4 Years at 4.35%. MonitorBankRates evaluates the financial stability of Central Bank & Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.26%. Rates last updated and verified on 10/14/2026.

Central Bank & Trust Company 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 Central Bank & Trust Company? Share your experience about Central Bank & Trust Company by leaving a review below, or read customer reviews before you decide to use Central Bank & Trust Company.

Verified Healthy 2026 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

1.26%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Bank & Trust Co.

300 W Vine St
Lexington, KY 40507

https://www.centralbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Central Bank & Trust Company CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 5 Years	4.402%	4.50%	5 Years
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Individual Retirement Account Fixed Rate - 60 month	4.402%	4.50%	60 Months
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
CD Management Account (1 year -variable rate)	4.285%	4.38%	1 Year
Min Balance $2,500 Details Current CD Special; variable rate; Minimum balance to obtain APY: $2,500 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.96% → 4.38% ▲ 0.42 pts · high 4.38% / low 3.96% Oct 14, 20264.38%▲ from 3.96% Sep 18, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Certificate of Deposit - 4 Years	4.258%	4.35%	4 Years
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Certificate of Deposit - 3 Years	4.21%	4.30%	3 Years
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Individual Retirement Account Fixed Rate - 36 month	4.21%	4.30%	36 Months
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Certificate of Deposit - 2 Years	4.162%	4.25%	2 Years
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Individual Retirement Account Fixed Rate - 24 month	4.162%	4.25%	24 Months
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Certificate of Deposit - 1 Year	3.922%	4.00%	1 Year
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Individual Retirement Account Fixed Rate - 12 month	3.922%	4.00%	12 Months
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Advantage (1 year - individuals only)	3.682%	3.75%	1 Year
Min Balance $2,500 Details Current CD Special; individuals only; Minimum balance to obtain APY: $2,500 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Oct 14, 20263.75%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Certificate of Deposit - 180 to 364 Days	3.44%	3.50%	180 to 364 Days
Min Balance $1,000 Details Minimum balance to obtain APY: $1,000 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Certificate of Deposit - 7 to 31 Days	3.44%	3.50%	7 to 31 Days
Min Balance $20,000 Details Minimum balance to obtain APY: $20,000 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Individual Retirement Account Fixed Rate - 6 month	3.44%	3.50%	6 Months
Min Balance $500 Details Minimum balance to obtain APY: $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Certificate of Deposit - 90 to 179 Days	3.198%	3.25%	90 to 179 Days
Min Balance $2,500 Details Minimum balance to obtain APY: $2,500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Certificate of Deposit - 32 to 89 Days	2.956%	3.00%	32 to 89 Days
Min Balance $5,000 Details Minimum balance to obtain APY: $5,000 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Individual Retirement Account Variable Rate - 18 month	2.956%	3.00%	18 Months
Min Balance $100 Details Minimum balance to obtain APY: $100 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Central Bank & Trust Company Savings Rates

Product	Rate	APY
Savings Accounts	0.995%	1.00%
Min Balance $0 Details Minimum balance to obtain APY: $0 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Sep 24, 20261.00%▲ from 0.75% Sep 18, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Health Savings Accounts	0.747%	0.75%
Min Balance $0 Details Minimum balance to obtain APY: $0 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.55% → 0.75% ▲ 0.20 pts · high 0.75% / low 0.55% Sep 24, 20260.75%▲ from 0.55% Sep 18, 20260.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Central Bank & Trust Company Money Market Rates

Product	Rate	APY
Personal Money Market Plus	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Sep 24, 20263.50%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Nonpersonal Money Market Plus	3.198%	3.25%
Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Sep 24, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Personal	2.713%	2.75%
Min Balance $250,000 Details Balance: $250,000 or more Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Nonpersonal	2.469%	2.50%
Min Balance $250,000 Details Balance: $250,000 or more Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Personal	2.469%	2.50%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Nonpersonal	2.225%	2.25%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Personal	1.735%	1.75%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Nonpersonal	1.489%	1.50%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Personal	1.489%	1.50%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Personal Money Market Plus	1.489%	1.50%
Min Balance $0 Details Balance: < $500,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 1.50% ▲ 0.40 pts · high 1.50% / low 1.10% Sep 24, 20261.50%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Nonpersonal	1.242%	1.25%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Personal	1.242%	1.25%
Min Balance $0 Details Balance: < $10,000 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Nonpersonal Money Market Plus	1.242%	1.25%
Min Balance $0 Details Balance: < $500,000 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.60% → 1.25% ▲ 0.65 pts · high 1.25% / low 0.60% Sep 24, 20261.25%▲ from 0.60% Sep 18, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Central Money Market Nonpersonal	0.995%	1.00%
Min Balance $0 Details Balance: < $10,000 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Central Bank & Trust Company Checking Rates

Product	Rate	APY
Platinum Checking	1.489%	1.50%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 1.15% → 1.50% ▲ 0.35 pts · high 1.50% / low 1.15% Sep 24, 20261.50%▲ from 1.15% Sep 18, 20261.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Platinum Checking	1.242%	1.25%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.90% → 1.25% ▲ 0.35 pts · high 1.25% / low 0.90% Sep 24, 20261.25%▲ from 0.90% Sep 18, 20260.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Platinum Checking	0.995%	1.00%
Min Balance $0 Details Minimum balance to obtain APY: $0 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.65% → 1.00% ▲ 0.35 pts · high 1.00% / low 0.65% Sep 24, 20261.00%▲ from 0.65% Sep 18, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Central Bank & Trust Company Business Checking Rates

Product	Rate	APY	View More
Central Interest/Business Interest/Business 250 Interest Checking	0.995%	1.00%
Min Balance $0 Details Minimum balance to obtain APY: $0 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.65% → 1.00% ▲ 0.35 pts · high 1.00% / low 0.65% Sep 24, 20261.00%▲ from 0.65% Sep 18, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Central Bank & Trust Company Credit Card Rates

Product	Rate	APR
Platinum Rewards Visa Credit Card	-	13.00%
Details Current APR range 13.00% to 15.00% (low variable APR based on Prime Rate as of 10-9-2026; APR = Prime + 6.00% to 8.00%); No annual fee; Minimum credit limit $5,000; Foreign transaction fee 1%; uChoose Rewards points Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 14, 202613.00%▲ from 12.75% Sep 15, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
UK Alumni Visa Card	-	13.00%
Details Current APR range 13.00% to 15.00% (low variable APR based on Prime Rate as of 10-9-2026; APR = Prime + 6.00% to 8.00%); No annual fee; Minimum credit limit $5,000; Foreign transaction fee 1%; uChoose Rewards points Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 14, 202613.00%▲ from 12.75% Sep 15, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

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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Financial Health History

Central Bank & Trust Company’s Texas Ratio fell from 1.82% in Q3 2023 to 1.26% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.0B	1.26%	5.0	A+
March 31, 2026	$4.0B	1.24%	5.0	A+
December 31, 2025	$3.9B	1.13%	5.0	A+
September 30, 2025	$3.9B	1.06%	5.0	A+
June 30, 2025	$3.8B	1.11%	5.0	A+
March 31, 2025	$3.7B	1.20%	5.0	A+
December 31, 2024	$3.6B	1.41%	5.0	A+
September 30, 2024	$3.6B	1.53%	5.0	A+
June 30, 2024	$3.6B	1.59%	5.0	A+
March 31, 2024	$3.5B	1.65%	5.0	A+
December 31, 2023	$3.4B	1.67%	5.0	A+
September 30, 2023	$3.6B	1.82%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central Bank & Trust Company 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 Central Bank & Trust Company 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 Central Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Central Bank & Trust Company

Website https://www.centralbank.com

Address 300 W Vine St, Lexington, KY 40507 · Fayette

Bank Holding Company CENTRAL BANCSHARES INC

FDIC Certificate # 15815

Regulator FDIC

Established April 15, 1938

FDIC Insurance Date April 30, 1941

Domestic Offices 29

Total Branches 29

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.26%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2661%

Return on Equity (ROE)

10.2500%

Non-Performing Loans Ratio (NPL)

0.16%

Total Assets

$4,011,565,000

Total Deposits

$3,119,859,000

Equity Capital

$502,773,000

Net Income

$25,210,000

Headquarters

Lexington

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Central Bank & Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Central Bank & Trust Company

How many branches does Central Bank & Trust Company operate?

Central Bank & Trust Company currently maintains approximately 29 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, Central Bank & Trust Company 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, Central Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Central Bank & Trust Company offer online and mobile banking?

Most modern institutions like Central Bank & Trust Company 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.centralbank.com.