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Customer Service

At Citizens First, we are committed to providing you with an excellent banking experience. If you are unable to find what you are looking for, please let us know. We are here to help.

 

Rate Center
Transaction Accounts
Account Product NameDaily BalancesMinimum Opening DepositMinimum Balance to Obtain APYInterest Rate Annual
Percentage
Yield 

BAM! Checking with Interestb 

$5,000.00 - $49,999.99 

$100.00  $5,000.00 0.15%  0.15% 

 

$50,000.00 - $99,999.99 

    0.25% 0.25%

 

 $100,000.00 and up

    0.50% 0.50%

Platinum Plus Checkinga,b 

If qualifications are met: 
$0.01 - $25,000.00 

$100    2.25%  2.27% 
 

$25,000.00 and up 

    0.50%  0.51% 
 

If qualifications are not met:
$0.01 and up 

    0.05%  0.05% 

Personal Money Marketb 

$2,500.00 - $14,999.99 

$100.00  $2,500.00c  0.15%  0.15%  
 

$15,000.00 - $49,999.99 

    0.20%   0.20%  
 

$50,000.00 - $249,999.99 

    0.25%   0.25%  
 

$250,000.00 - 9,999,999,999.99 

    0.50%   0.50%  

Primary Savingsb

$200.00 and up

$100.00 $200.00c 0.15% 0.15% 

Christmas Clubb

      0.25% 0.25%

Commercial Plus Checkingb 

$1,000.00 and up 

$100.00  $1,000.00c  0.05%  0.05% 

Commercial Interest Analysisb 

  $100.00  $0.01c  0.15%  0.15% 

Commercial Money Marketb

$2,500.00 - $14,999.99

    0.15% 0.15% 
 

$15,000.00 - $99,999.99

    0.20%  0.20%
 

$100,000.00 - $249,999.99

    0.25%  0.25%
 

$250,000.00 and up

    0.50%  0.50%

Health Savings Account (HSA)b 

      0.05%  0.05%
a) Qualifications for Platinum Plus
Each statement period you must:
+ Have at least twelve (12) Visa Check Card transactions, excluding ATM transactions
+ Have at least one (1) direct deposit or ACH debit
+ Receive monthly eStatement
+ Must be Kentucky or Tennessee resident 
b) The interest rate and annual percentage yield may change after account opening.
c) Daily Balance.  The amount of principal in the account each day.

 Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 1-30-13.

Certificates of Deposit
Account Product NameMinimum Opening DepositInterest RateAnnual Percentage Yield
01 Month Certificate of Deposita $5,000.00  0.15%  0.15% 
03 Month Certificate of Deposita $500.00  0.25%   0.25%  
06 Month Certificate of Deposita $500.00   0.40%   0.40%  
12 Month Certificate of Deposita  $500.00   0.50%   0.50%  
18 Month Certificate of Deposita  $500.00   0.60%   0.60%  
24 Month Certificate of Deposita  $500.00   0.75%   0.75%  
30 Month Certificate of Deposita  $500.00   1.00%  1.00%  
36 Month Certificate of Deposita  $500.00   1.00%   1.00%  
48 Month Certificate of Deposita  $500.00  1.10%   1.10%  
60 Month Certificate of Deposita  $500.00   1.49%   1.50%  
12 Month Prime Rate CDa,b  $2,500.00  0.25%   0.25%  
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 4-30-14. 

Forms and Applications

Below you will find links to aid in your loan request with Citizens First. For your convenience, we have provided the forms needed when applying for a personal loan, a mortgage loan and a business loan.

  • Click here for a personal loan application.
  • Click here for a mortgage application. To apply online, click here.
  • Click here for a personal financial statement, which is needed to apply for a business loan.
Calculators

Are you considering buying a home or refinancing your existing mortgage? Click here to use our mortgage calculators and see what options are best for you.