Rates

Deposit Rates | Certificate of Deposit | Lending Rates

Deposit Rates
Effective date - 10/11/06 thru 10/17/2006

Account
Type		 Minimum
Amount To
Open		 Annual
Percentage
Yield		 Interest
Rate
Savings Advantage  $10,000.00  2.89%  2.85% 
Premium Checking  $1000.00  0.40%  0.40% 
Kentuckys Preferred  $2,500 - 7,499  0.55%  0.55% 
  $7,500 - 9,999  0.60%  0.60% 
  $10,000+  0.75%  0.75% 
Basic Savings & Looney Tunes Savings Club  $50  0.45%  0.45% 
Christmas Club Savings  $5  0.40%  0.40% 
Money Market Checking  $1,000 - 9,999  1.31%  1.30%** 
  $10,000 - 49,999  3.15%  3.11%** 
  $50,000+  4.31%  4.22%** 
*IRA Variable (12 month Maturity-Rate may change)  $100  3.86%  3.79%** 
*IRA Fixed (12 month Maturity)  $100  3.76%  3.69%** 
College Savers Fund  $100  3.77%  3.70%** 
* Early withdrawal penalty may apply

Certificates of Deposit
Effective date - 10/11/2006 thru 10/17/2006

Certificates of Deposit Minimum
Amount To
Open		 Annual
Percentage
Yield		 Interest
Rate

7 days thru 2 months  $500  2.87%  2.83% 
3 months thru 5 months  $500  2.85%  2.81% 
6 months thru 11 months  $500  2.89%  2.85% 
12 months thru 23 months  $500  3.81%  3.74% 
12 months variable (Rate May Change)  $500  3.71%  3.64% 
24 months thru 35 months  $500  3.88%  3.81% 
36 months thru 47 months  $500  3.99%  3.91% 
48 months thru 59 months  $500  4.18%  4.09% 
60 months  $500  4.27%  4.18% 
      - 
       
       
11 month Penalty Free  $5000  5.05%  4.93% 
       
       
* Rate Change From Previous Week
Early Withdrawal Penalty on all Certificates of Deposit
Fees may reduce earnings.

*The above rates are the posted rates for Kentucky Bank for the certificates of deposits listed above. Rates may vary among branches and may vary if amounts, terms or other conditions vary from those posted above.

Mortgage Lending Rates
Effective date -  10/11/06

Conditions
Type		 Program Amort Max
LTV		 Preferred
Rate**		 PTS APR
Conventional Residential Mortgage
Owner Occupied fixed rate 15 yrs *95% 5.875% 1 6.05%
Applicant and property meet FHLMC requirements fixed rate 20 yrs *95% 6.250% 1 6.40%
fixed rate 30 yrs *95% 6.375% 1 6.52%
SUN TRUST
for loan amt >$124,999 - discount fixed rate 15 yrs 95% 5.875% 1 6.05%
fixed rate 20 yrs 95% 6.000% 1 6.15%
fixed rate 30 yrs 95% 6.125% 1 6.27%
* Loans above 80% require PMI
** Jumbo Rates Available Upon Request
KENTUCKY HOUSING
Conventional Loans
Ready Rate 105% 5.750% 1 6.48%
Ready Rate / Zero-Point 105% 6.125% 0 6.79%
Government Loans
Regular Rate 100% 5.875% 2 6.70%
Regular Rate / Zero-Point 100% 6.250% 0 7.02%
CONVENTIONAL, BANK PORTFOLIO
Owner Occupied 1/1 yr ARM 30 yrs 90% 7.650% 0 7.73%
2/1 yr ARM 30 yrs 90% 7.410% 0 7.49%
3/1 yr ARM 30 yrs 90% 7.340% 0 7.42%
5/1 ARM 30 yrs 90% 7.310% 0 7.39%
3 yr balloon 30 yrs 90% ---- 0 -----
5 yr balloon 30 yrs 90% ---- 0 -----
Home Equity
Revolving line, tax deductible monthly 10 yrs < 60% 0 -------
monthly 10 yrs 60-79% prime 0 -------
monthly 10 yrs 80-89% prime + 1 0 -------
monthly 10 yrs 90-100% prime + 2 0 -------
Mobile Homes monthly 10 yrs < 50% prime + 1 0 -------
monthly 10 yrs 51-60% prime + 1.5 0 -------
monthly 10 yrs 61-75% prime + 2 0 -------
30 Yr Home Equity monthly 0-59% prime 0 -------
monthly 60-79% prime + .5 0 -------
Equity Loan Special fixed rate 7 yrs 60% 7.60% 0 7.60%
fixed rate 7 yrs 61-90% 8.10% 0 8.10%
Residential Construction 1
**** Subject to permanent financing commitment with Kentucky Bank
Government programs also available
Farm or commercial mortgage-non-owner occupied
Purchase or refinance property 3 yr balloon 30 yrs 85% ***
5 yr balloon 30 yrs 85% ***
*** See Commercial Lender for Rates.
Click here for our Locations or Contact Us via email.
1/1 yr ARM 30 yrs 85% ----- -----
3/1 yr ARM 30 yrs 85% ----- -----
5/1 ARM 30 yrs 85% ----- -----
fixed rate 15 yrs 85%
fixed rate 20 yrs 85%
Capital improvements 3 yr balloon 5 or 7 yr 85% 0
Equity Loan Special fixed rate 7 yrs 85% 7.60% 1 8.51%
*PREFERRED RATES APPLY ONLY IF CUSTOMER CHOOSES AUTO PAYMENTS
FROM A NEW OR EXISTING CHECKING ACCOUNT OR OPENS A HOME EQUITY LINE
**LOAN AMOUNT AT LEAST $100,000