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Town & Country B&T Co. Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
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: May 5, 2026

Town & Country B&T Co.'s 60-Month Certificate of Deposit rates are at 0.40%, IRA - 60-Month Certificate of Deposit rates are at 0.40%, 48-Month Certificate of Deposit rates are at 0.35%, IRA - 48-Month Certificate of Deposit rates are at 0.35%, 36-Month Certificate of Deposit rates are at 0.30%. Town & Country B&T Co.'s savings rates are at 0.05%. Town & Country B&T Co.'s money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Town & Country B&T Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates were last updated on 05/05/2026.

Town & Country B&T Co. 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 Town & Country B&T Co.? Share your experience about Town & Country B&T Co. by leaving a review below, or read customer reviews before you decide to use Town & Country B&T Co..

Ranked #16 in MonitorBankRates Top 100 Healthiest Small Banks 2026 Ranked #16 Healthiest Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.02%
Excellent Lower than avg
Town & Country B&T Co.
201 N 3rd St
Bardstown, KY 40004
https://www.mytcbt.bank
Member FDIC

Town & Country B&T Co. CD Rates

Product Rate APY Term View More
60 Month Certificate of Deposit - 0.40%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
IRA - 60 Month Certificate of Deposit - 0.40%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
48 Month Certificate of Deposit - 0.35%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
IRA - 48 Month Certificate of Deposit - 0.35%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
36 Month Certificate of Deposit - 0.30%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
IRA - 36 Month Certificate of Deposit - 0.30%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
24 Month Certificate of Deposit - 0.25%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
IRA - 24 Month Certificate of Deposit - 0.25%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
12 Month Certificate of Deposit - 0.20%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
IRA - 12 Month Certificate of Deposit - 0.20%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
182 Day Certificate of Deposit - 0.15%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
91 Day Certificate of Deposit - 0.05%
Min Deposit $1,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%

Town & Country B&T Co. Savings Rates

Product Rate APY View More
Savings - 0.05%
Min Balance $0
Details Daily Balances of: up to $9,999.99
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%

Town & Country B&T Co. Money Market Rates

Product Rate APY View More
Money Market - 0.10%
Min Balance $100,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
Money Market - 0.05%
Min Balance $2,000
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%

Town & Country B&T Co. Checking Rates

Product Rate APY View More
Worry Free Checking* - 0.05%
Min Balance $0
Details Daily Balances of: up to $9,999.99
Last Updated 05/05/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.02%
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.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Town & Country B&T Co. 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 Town & Country B&T Co. 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 Town & Country B&T Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Town & Country B&T Co.
Bank Holding Company FIRST FARMERS BANK HOLDING CO
Address 201 N 3rd St, Bardstown, KY 40004  ·  Nelson
Website https://www.mytcbt.bank
FDIC Certificate # 15703
Established 09/09/1907
FDIC Insurance Date 11/25/1939
Domestic Offices 5
Total Branches 5
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.02%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.0801%
Return on Equity (ROE) 12.4700%
Non-Performing Loans (NPL) 0.00%
Total Assets $421,882,000
Total Deposits $368,715,000
Equity Capital $50,943,000
Net Income $6,256,000
Headquarters Bardstown
Total Offices 5
Source: FDIC  |  Last Updated 12/31/2025
Ranked #16 in MonitorBankRates Top 100 Healthiest Small Banks 2026
2026 MBR Health & Safety Badge

Town & Country B&T Co. earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #16 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks 2026 ranking.

Customer Reviews

There are no reviews for Town & Country B&T Co. 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.
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Frequently Asked Questions About Town & Country B&T Co.

How many branches does Town & Country B&T Co. operate?

Town & Country B&T Co. currently maintains approximately 5 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, Town & Country B&T Co. 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, Town & Country B&T Co. provides members with tools to manage their accounts and build a solid financial history.

Does Town & Country B&T Co. offer online and mobile banking?

Most modern institutions like Town & Country B&T Co. 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.mytcbt.bank.

Current Town & Country B&T Co. Rates

  • 12-Month CD0.20%
  • 24-Month CD0.25%
  • 36-Month CD0.30%
  • 48-Month CD0.35%
  • 60-Month CD0.40%
  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.

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