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Deposit Rates

To Report a Lost or Stolen ATM or Debit card during business hours, please call customer support.

Customer Support

Central Kentucky:

859-236-4181 Main Office
859-236-4277 Ridgefield
859-792-3368 Lancaster

Frankfort:

502-223-1638 Main Office
502-695-3400 East Frankfort
502-223-3472 West Frankfort


To Report a Lost or Stolen ATM or Debit card after business hours:

Call 1-800-528-2273


Voice Banking   

24 hour Tele-banking

1-800-436-5142 or

1-877-832-6798



ABOUT TRUST ONLINE

 

Rates effective as of 09/17/2014

DEPOSIT ACCOUNTS

ACCOUNT TYPE

INTEREST RATE

APY 

MINIMUM BALANCE TO OPEN ACCOUNT

MINIMUM DAILY BALANCE TO OBTAIN APY

MINIMUM BALANCE TO AVOID SERVICE CHARGE

SERVICE CHARGE IF BALANCE FALLS BELOW MINIMUM

Basic Checking

n/a

n/a

 $100.00

n/a

 $100.00

 $5.00 per month

Advantage Checking

0.10%

0.15%

0.25%

0.10%

0.15%

0.25%

 $300.00

Less than $25,000.00

$25,000.00 - $99,999.00

$100,000.00 and above

 $300.00

 

 $5.00 per month

Simply Savings

0.25%

0.25%

$50.00

$50.00

$100.00

$3.00 per month

Statement Savings

0.25%

0.25%

$50.00

$50.00

$100.00

$5.00 per month

Money Market Deposit Account

0.10%

0.15%

0.25%

0.10%

0.15%

0.25%

$1,000.00

$.01 - $24,999.99

$25,000.00 - $99,999.99

$100,000.00 and above

$300.00

$5.00 per month

Business Checking

n/a

n/a

 $300.00

n/a

 $300.00

 $10.00 per month

Christmas Savings* 0.25% 0.25% $5.00 n/a

 $250.00

 see below*

APY = ANNUAL PERCENTAGE YIELD

INTEREST COMPOUNDED DAILY AND POSTED MONTHLY ON DEPOSIT ACCOUNTS

INTEREST RATES AND APY'S ON DEPOSIT ACCOUNTS ARE SUBJECT TO CHANGE

DEPOSIT ACCOUNTS ARE SUBJECT TO MONTHLY DORMANT FEES AFTER 12 MONTHS OF INACTIVITY AS FOLLOWS:  SIMPLY SAVINGS = $5 PER MONTH; OTHER ACCOUNTS = $10 PER MONTH

FEES ASSESSED TO DEPOSIT ACCOUNTS MAY REDUCE EARNINGS

*CHRISTMAS SAVINGS - INTEREST COMPOUNDED DAILY AND POSTED AT MATURITY.  YOU MAY BE ASSESSED A SERVICE FEE IF THE BALANCE IN YOUR ACCOUNT AT MATURITY IS LESS THAN $250.

 

CERTIFICATES OF DEPOSIT

CERTIFICATE TERM

INTEREST RATE

APY

MINIMUM BALANCE TO  OPEN ACCOUNT

MINIMUM DAILY BALANCE  TO OBTAIN APY

EARLY WITHDRAWAL PENALTY

3 Month

0.15%

0.15%

$500.00

$500.00

3 Months

6 Month

0.20%

0.20%

$500.00

$500.00

3 Months

9 Month

0.25%

0.25%

$500.00

$500.00

3 Months

1 Year

0.40%

0.40%

$500.00

$500.00

3 Months

1 Year variable

0.40%

0.40%

$500.00

$500.00

6 Months

18 Month

0.45%

0.45%

$500.00

$500.00

6 Months

2 Year

0.55%

0.55%

$500.00

$500.00

6 Months

2 Year (bump rate option)

0.55%

0.55%

$500.00

$500.00

6 Months

3 Year

0.80%

0.80%

$500.00

$500.00

6 Months

4 Year

0.90%

0.90%

$500.00

$500.00

6 Months

5 Year

0.95%

0.95%

$500.00

$500.00

6 Months

  

APY = ANNUAL PERCENTAGE YIELD

3 MONTHS TO FIVE YEARS, RESPECTIVELY

A PENALTY FOR EARLY WITHDRAWAL, AS SHOWN, WILL BE IMPOSED ON ANY NON-IRA CERTIFICATE, OR PORTION THEREOF, WITHDRAWN PRIOR TO THE MATURITY DATE. 

APY'S ASSUME INTEREST WILL ACCUMULATE FOR THE TERM OF THE CERTIFICATE

 INDIVIDUAL RETIREMENT ACCOUNTS 

ACCOUNT TYPE INTEREST RATE APY MINIMUM BALANCE TO OPEN ACCOUNT MINIMUM DAILY BALANCE 
TO OBTAIN APY
EARLY WITHDRAWAL PENALTY
2 Year IRA 0.55%   0.55%  $500.00 $100.00 6 Months

 INTEREST COMPOUNDED QUARTERLY AND POSTED QUARTERLY ON IRA CERTIFICATES

 INTEREST RATES AND APY'S ARE FIXED FOR THE TERM OF THE CERTIFICATE

 FLEXIBLE NO-PENALTY WITHDRAWAL AFTER AGE 59 1/2 

APY'S ASSUME INTEREST WILL ACCUMULATE FOR THE TERM OF THE CERTIFICATE

NO IRA PRODUCTS OFFERED FOR LESS THAN A 1 YEAR TERM

THERE IS A PENALTY FOR EARLY WITHDRAWAL ON THE ABOVE ACCOUNTS; PLEASE SEE THE ACCOUNT SPECIFIC DISCLOSURE FOR FURTHER INFORMATION.

FEES MAY REDUCE EARNINGS - PLEASE SEE THE FEE SCHEDULE AND ACCOUNT SPECIFIC DISCLOSURE FOR MORE INFORMATION. 

 

Deposit Insurance Fact Sheet