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: 399799	6.596%	6.500% 0.63 points $3,340 fees	$2,023	Learn More
NMLS ID: 401822	6.620%	6.500% 0.63 points $3,995 fees	$2,023	Learn More
NMLS ID: 401822		points fees		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
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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