Citizens Bank of Kentucky, Inc. - Nationwide Branches

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Branch	Address	View Lobby Hours
Winchester Branch	695 Bullion Boulevard, Winchester, KY 40391	View Lobby Hours
Louisa Branch	3651 Us Hwy 2565, Louisa, KY 41230	View Lobby Hours
Allen Branch	6474 Kentucky 1428, Allen, KY 41601	View Lobby Hours
Mayo Shopping Plaza Branch	333 Kentucky 321, Paintsville, KY 41240	View Lobby Hours
Salyersville Branch	Route 114 East Mountain Parkway, Salyersville, KY 41465	View Lobby Hours
Mcdowell Branch	9674 Kentucky 122, Mc Dowell, KY 41647	View Lobby Hours
Ashland Branch	735 Central Avenue, Ashland, KY 41101	View Lobby Hours
Citizens Bank Of Kentucky, Inc.	620 Broadway Avenue, Paintsville, KY 41240	View Lobby Hours
Centerpointe Branch	50 Franklin Corner, Prestonsburg, KY 41653	View Lobby Hours
Weddington Plaza Branch	4367 North Mayo Trail, Pikeville, KY 41501	View Lobby Hours
Russell Road Branch	320 Russell Road, Russell, KY 41169	View Lobby Hours
Pikeville Branch	247 Hambley Blvd., Pikeville, KY 41501	View Lobby Hours
Grayson Branch	167 South Carol Malone Blvd., Grayson, KY 41143	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

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