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 Community Financial Services Bank (CFSB) Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
Community Financial Services Bank (CFSB)'s 60-Month CD rates are at 0.45%, 48-Month CD rates are at 0.35%, 36-Month CD rates are at 0.25%, 24-Month CD rates are at 0.15%, 12-Month CD rates are at 0.05%. Community Financial Services Bank (CFSB)'s savings rates are at 4.17%. Community Financial Services Bank (CFSB)'s checking rates are as high as 0.25%. Community Financial Services Bank (CFSB)'s top CD rate of 4.37% APY on a 27 month CD is 50% higher than the MonitorBankRates national average of 2.91% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Community Financial Services Bank (CFSB) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.65%. Rates last updated and verified on 11/05/2026. Community Financial Services Bank (CFSB) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community Financial Services Bank (CFSB)? Share your experience about Community Financial Services Bank (CFSB) by leaving a review below, or read customer reviews before you decide to use Community Financial Services Bank (CFSB). Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Community Financial Services Bank (CFSB) CD Rates
Community Financial Services Bank (CFSB) Savings Rates
Community Financial Services Bank (CFSB) Checking Rates
Community Financial Services Bank (CFSB) Other Rates
Financial Health HistoryCommunity Financial Services Bank (CFSB)’s Texas Ratio fell from 12.27% in Q3 2023 to 3.65% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.1 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Community Financial Services Bank (CFSB) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Community Financial Services Bank (CFSB) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Community Financial Services Bank (CFSB)'s official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Community Financial Services Bank (CFSB)
Website
https://www.cfsbky.com
Address
221 W 5th St,
Benton, KY 42025 · Marshall
Bank Holding Company
COMMUNITY FINL SERVICES EMPLOYEE STK OWNERSHIP PLAN
FDIC Certificate #
287
Regulator
FED
Established
January 1, 1890
FDIC Insurance Date
January 1, 1934
Domestic Offices
8
Total Branches
8
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.65%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0351%
Return on Equity (ROE)
13.0100%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
$1,371,632,000
Total Deposits
$1,226,605,000
Equity Capital
$113,417,000
Net Income
$7,165,000
Headquarters
Benton
Total Branches and Offices
8
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Community Financial Services Bank (CFSB) yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Community Financial Services Bank (CFSB)
Frequently Asked Questions About Community Financial Services Bank (CFSB)Does Community Financial Services Bank (CFSB) offer CDs?Yes. Community Financial Services Bank (CFSB) current CD rates include its 60-Month CD at 0.45% APY, its 48-Month CD at 0.35% APY and its 36-Month CD at 0.25% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Community Financial Services Bank (CFSB) FDIC insured?Yes. Community Financial Services Bank (CFSB) is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Community Financial Services Bank (CFSB)?The highest Community Financial Services Bank (CFSB) CD rate is its 12-Month IRA (Variable) CD at 4.42% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Community Financial Services Bank (CFSB) offer?Community Financial Services Bank (CFSB) CD rates are 0.05% APY for a 12 month CD, 4.17% APY for an 18 month CD, 0.15% APY for a 2 year CD, 0.25% APY for a 3 year CD, 0.35% APY for a 4 year CD and 0.45% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Community Financial Services Bank (CFSB) for its full lineup. What is the highest savings rate at Community Financial Services Bank (CFSB)?The highest Community Financial Services Bank (CFSB) savings rate is its Premier Advantage Savings - 17-MONTH SPECIAL at 4.17% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Community Financial Services Bank (CFSB)?The highest Community Financial Services Bank (CFSB) checking rate is its Community Plus Checking at 0.25% APY, verified by MonitorBankRates as of November 5, 2026. How many branches does Community Financial Services Bank (CFSB) operate?Community Financial Services Bank (CFSB) currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Community Financial Services Bank (CFSB) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Community Financial Services Bank (CFSB) provides members with tools to manage their accounts and build a solid financial history. Does Community Financial Services Bank (CFSB) offer online and mobile banking?Most modern institutions like Community Financial Services Bank (CFSB) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cfsbky.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Community Financial Services Bank (CFSB) rates compare?Community Financial Services Bank (CFSB)'s top CD rate of 4.37% APY on a 27 month CD is 50% higher than the MonitorBankRates national average of 2.91% APY for that term, and it has an A+ health rating. Community Financial Services Bank (CFSB)'s top rates are its 12-Month IRA (Variable) CD at 4.42% APY, its Premier Advantage Savings - 17-MONTH SPECIAL at 4.17% APY and its Community Plus Checking at 0.25% APY, verified by MonitorBankRates on November 5, 2026. Current Community Financial Services Bank (CFSB) Rates
Retrieved from our database of financial products. Rates subject to change.
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