Citizens National Bank

We are a locally owned bank that has been serving the people of Pulaski County, Kentucky since 1920. We offer a wide range of products to help you achieve your financial goals along with a high level of customer service and convenient locations.

Current Rates

Rates current October 30, 2014

HOME LOANS APR* RATE
30-Years – No Points
†Up to 95% LTV or less

4.213

4.13
20-Years – No Points
†Up to 95% LTV or less
3.994           3.88
10-15-Years – No Points
†Up to 95% LTV or less
3.394 3.25
In House 1 Year
†Up to 85% LTV or less
CALL FOR RATE
Construction
†Up to 85% LTV or less
CALL FOR RATE
KY Housing Corp
†Up to 98.75% LTV or less
 3.852 3.625
V.A.
†Up to 100% LTV or less
3.901 3.625
F.H.A.
†Up to 98.75% LTV or less
 4.690 3.625
CERTIFICATES OF DEPOSIT APY** RATE
6 month .15% .15%
18 month .30% .30%
24 month .40% .40%
INDIVIDUAL RETIREMENT ACCOUNTS APY RATE
18 month fixed .25% .25%
18 month variable .25% .25%

Rates subject to change without notice.

*Annual Percentage Rate (APR) calculations are based on loans of $100,000 with loan-to-value (LTV) ratios of 80% or less. For example: A $100,000 mortgage for a term of 30 years with a rate of 5.00% and a corresponding APR of 5.053%, would result in a monthly payment of $540.06. Use the Mortgage Calculator to see what your payment would be.

**Annual Percentage Yield
For our CD and IRA minimum deposit requirements and early withdrawal penalties, click here.

Citizens National Bank has multiple investments that may fit your needs. For more information call 606-679-6341 ext. 2231.