Savings

 
FNB Kentucky - Main Office 

Main Office
P: 502.732.4406
F: 502.732.4408
TF: 888.278.7201
FNB Kentucky Branch
P: 502.732.8280
F: 502.732.8281
TF: 888.278.7201
Crestwood Loan Production Office
P: 502.243.4432
F: 502.243.4482
TF: 888.278.7201
Union Loan Production Office
P: 859.918.5447

Savings


Savings and Checking Rates

Statement Savings

A basic savings account for all ages

  • This account is an interest-bearing account and is compounded quarterly
  • A deposit of $50 is required to start account
  • Transactions are limited to 6 (six) transfers per four week or similar period.
  • There will be a charge of $3.00 per withdrawal for each withdrawal in excess of 6 (six) per calendar quarter.
  • The interest paid on this account depends on the daily balance and can change at any time at our discretion. Interest is computed quarterly and will be credited to the account quarterly.
  • Please see Customer Service Representative for a complete disclosure regarding additional terms and conditions.

Kids Kash

A great account to teach youth to save

  • Offered to people 16 and under
  • A deposit of $25 is required to start account.
  • A parent or guardian will be required to sign on the account with the minor.
  • The interest paid on this account depends on the daily balance and can change at any time at our discretion. Interest is computed quarterly and will be credited to the account quarterly.
  • Please see Customer Service Representative for a complete disclosure regarding additional terms and conditions

Christmas Club Savings

A great way to save for the holidays

  • This account is an interest-bearing account
  • A deposit of $10 is required to start account
  • No monthly fee assessed with this account
  • You can make deposits at any time in any amount
  • Interest will not be compounded on this account and will be paid at maturity. Early withdrawals will be assessed a $25.00 fee. If account is closed before maturity date, you will not receive the accrued interest.
  • Please see Customer Service Representative for a complete disclosure regarding additional terms and conditions

Certificate of Deposit

3 Months, 6 Months, 12 Months, 18 Months, 24 Months, 36 Months, 48 Months

  • A deposit of $1,000.00 is required to start account
  • Interest is paid every six months
  • Interest can be compounded or deposited to Checking or Savings account
  • Please see Customer Service Representative for a complete disclosure regarding additional terms and conditions

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Individual Retirement Account

Traditional IRA

FNB Kentucky is pleased to offer this tax advantage account. The 1997 legislation brought some exciting enhancements to the traditional IRA. If you are receiving a distribution from your employer's retirement plan, you can roll it over directly into an IRA. You benefit in two very significant ways:

  • Avoid immediate taxation and possible penalties
  • Earnings on your retirement dollars grow deferred until withdrawn
  • Please see Customer Service Representative for a complete disclosure regarding additional terms and conditions

Roth IRA

Created as part of the Taxpayer Relief Act of 1997 and originally called the American Dream IRA, the new Roth IRA has a lot of people excited, and for some excellent reasons:

  • The tax structure is unlike that of any other IRA: contributions are post-tax, but growth is tax-free; once you put your money in, you never pay taxes again.
  • It offers simpler distribution requirements: since you have already paid taxes up front, there are no minimum distribution requirements.
  • Since withdrawals are not reportable income, they won't affect your adjusted gross income during retirement.
  • Please see Customer Service Representative for a Complete Disclosure regarding additional Terms and Conditions

The one potential downside to a Roth IRA is that taxes are paid while working rather than upon retirement, when your tax rate is likely to be lower.

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