What are the current interest rates at First FSB of Kentucky?

Current rates for First FSB of Kentucky include: 12-Month CD: 0.65%, 18-Month CD: 3.50%, 24-Month CD: 0.85%, 36-Month CD: 1.00%, 48-Month CD: 1.00%, 60-Month CD: 1.00%, Savings: 0.25%

MonitorBankRates

☰

Home›
Banks›
First FSB of Kentucky

iAdvertiser Disclosure

First FSB of Kentucky Rates & Review April 2026

Q: How many branches does First FSB of Kentucky operate?

First FSB of Kentucky currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First FSB of Kentucky 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First FSB of Kentucky provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

First FSB of Kentucky's 5-Month CD rates are at 3.71%, 15-Month CD rates are at 3.60%, 18-Month CD rates are at 3.50%, 6-Month CD rates are at 3.02%, 3 Year CD rates are at 1.00%. First FSB of Kentucky's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of First FSB of Kentucky with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.83%. Rates were last updated on 04/17/2026.

First FSB of Kentucky 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 First FSB of Kentucky? Share your experience about First FSB of Kentucky by leaving a review below, or read customer reviews before you decide to use First FSB of Kentucky.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.83%

Excellent Higher than avg

First FSB of Kentucky

216 W Main St
Frankfort, KY 40601

https://www.ffsbky.bank

First FSB of Kentucky CD Rates

Product	Rate	APY	Term
5 Month CD	3.67%	3.71%	5
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
15 Month CD	3.55%	3.60%	15
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
18 Month CD	3.45%	3.50%	18
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
6 month CD	3.00%	3.02%	6
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
3 Year CD	1.00%	1.00%	3
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
4 Year CD	1.00%	1.00%	4
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
5 Year CD	1.00%	1.00%	5
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
2 Year CD	0.85%	0.85%	2
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
13 month CD	0.65%	0.65%	13
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
3 Month CD	0.15%	0.15%	3
Min Deposit $500 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%

First FSB of Kentucky Savings Rates

Product	Rate	APY
Christmas Savings	1.50%	1.50%
Min Deposit $10 Details Limited Transactions.; Minimum Deposit to Open waived with direct deposit.; Minimum deposit of $250 at maturity (October 15th).; Withdraw/Close Fee Prior to Maturity: $10.; Interest compounded daily and credited at maturity. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
Hometown Business Savings	0.25%	0.25%
Min Deposit $1,000 Details Low Balance Fee: $10 per month if daily balance falls below $1,000.; Minimum Deposit to Open waived with direct deposit.; Monthly Maintenance Fee: $5 (waived with eStatements).; Interest compounded daily and credited monthly. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
Hometown Savings	0.25%	0.25%
Min Deposit $100 Details If under 18: Minimum balance to open $10.; Minimum Deposit to Open waived with direct deposit.; Low Balance Fee: $10 per month if daily balance falls below $100; Monthly Maintenance Fee: $5 (waived with eStatements).; Interest compounded daily and credited monthly. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%

First FSB of Kentucky Checking Rates

Product	Rate	APY
Hometown Checking with Interest	0.25%	0.25%
Min Deposit $300 Min Balance $100,000 Details Unlimited transactions; Minimum Deposit to Open waived with direct deposit.; Low Balance Fee: $10 per month if daily balance falls below $1,500.; Monthly Maintenance Fee: $5 (waived with eStatements).; ATM or Debit card available upon request. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
Hometown Hero Checking	0.25%	0.25%
Min Deposit $300 Min Balance $100,000 Details Unlimited Transactions.; Available to First Responders, Active Military, Veterans, Teachers, 50 & over.; Minimum Deposit to Open waived with direct deposit.; Monthly Maintenance Fee: $5 (waived with eStatements).; ATM or Debit card available upon request. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
Hometown Checking with Interest	0.15%	0.15%
Min Deposit $300 Min Balance $25,000 Details Unlimited transactions; Minimum Deposit to Open waived with direct deposit.; Low Balance Fee: $10 per month if daily balance falls below $1,500.; Monthly Maintenance Fee: $5 (waived with eStatements).; ATM or Debit card available upon request. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
Hometown Hero Checking	0.15%	0.15%
Min Deposit $300 Min Balance $25,000 Details Unlimited Transactions.; Available to First Responders, Active Military, Veterans, Teachers, 50 & over.; Minimum Deposit to Open waived with direct deposit.; Monthly Maintenance Fee: $5 (waived with eStatements).; ATM or Debit card available upon request. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
Hometown Checking with Interest	0.10%	0.10%
Min Deposit $300 Min Balance $5,000 Details Unlimited transactions; Minimum Deposit to Open waived with direct deposit.; Low Balance Fee: $10 per month if daily balance falls below $1,500.; Monthly Maintenance Fee: $5 (waived with eStatements).; ATM or Debit card available upon request. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
Hometown Hero Checking	0.10%	0.10%
Min Deposit $300 Details Unlimited Transactions.; Available to First Responders, Active Military, Veterans, Teachers, 50 & over.; Minimum Deposit to Open waived with direct deposit.; Monthly Maintenance Fee: $5 (waived with eStatements).; ATM or Debit card available upon request. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%
Hometown Checking with Interest	-	0.00%
Min Deposit $300 Details Unlimited transactions; Minimum Deposit to Open waived with direct deposit.; Low Balance Fee: $10 per month if daily balance falls below $1,500.; Monthly Maintenance Fee: $5 (waived with eStatements).; ATM or Debit card available upon request. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First FSB of Kentucky 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 First FSB of Kentucky 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 First FSB of Kentucky's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First FSB of Kentucky

Bank Holding Company FIRST FEDERAL MHC

Address 216 W Main St, Frankfort, KY 40601 · Franklin

Website https://www.ffsbky.bank

FDIC Certificate # 29937

Established 01/01/1934

FDIC Insurance Date 08/09/1989

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.83%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.0257%

Return on Equity (ROE) -0.2200%

Non-Performing Loans (NPL) 1.33%

Total Assets $289,077,000

Total Deposits $214,002,000

Equity Capital $30,085,000

Net Income $963,000

Headquarters Frankfort

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for First FSB of Kentucky yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First FSB of Kentucky

Frequently Asked Questions About First FSB of Kentucky

Is First FSB of Kentucky a safe place to deposit money?

Yes, First FSB of Kentucky is considered a safe financial institution. With a Texas Ratio of 12.83449290875%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First FSB of Kentucky operate?

First FSB of Kentucky currently maintains approximately 6 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, First FSB of Kentucky 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, First FSB of Kentucky provides members with tools to manage their accounts and build a solid financial history.

Does First FSB of Kentucky offer online and mobile banking?

Most modern institutions like First FSB of Kentucky 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.ffsbky.bank.