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Personal Savings

Personal Savings

Savings to fit your needs now & in the future

Providing for the future often means putting something aside today. At First Kentucky Bank, we make it easy to get the most out of your everyday savings and long term savings plans. Whether you're establishing a rainy day fund or just looking to help your children learn the value of a dollar, we've got a savings option to meet your needs.

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Statement Savings

Save for a rainy day! Make a $50 deposit to get things started.

  • Interest is earned daily and paid quarterly
  • Easy-to-understand savings statement is issued quarterly (unless the Combined Statement option is chosen)*
  • Earn interest on all balances
  • ATM card access is available
  • No monthly service fee
  • No minimum balance requirement
* If Combined Statement option is chosen, your savings statement will be included in your monthly combined statement. Fees could reduce account earnings.

Kids 1st Savings Club

One of the most effective ways to teach children to be responsible with money later in life is to let them make financial choices while they are young. Joining the Kids 1st Savings Club couldn't be easier and the features are fantastic.*

  • Any child age 12 & under is eligible
  • Open the account with a $5.00 deposit
  • The Kids Club account is free (no monthly service fee)
  • Interest is earned daily and paid quarterly
* The Kids Club savings account must be a joint account with a parent or legal guardian. Fees could reduce account earnings.

Money Market Investment

The perfect choice for the depositor who wants to earn higher interest rates on larger balances yet still wants the money to be easily accessible* and FDIC insured.

  • Open your account with a deposit of $50 or more.
  • Interest is paid on all balances, but is tiered so you can earn a higher rate based on your balance
  • Interest is credited monthly
  • Monthly account statement
  • Free online banking
  • ATM card access is available
* By law, you are allowed six withdrawals per month from a Money Market Investment account. There is a $5.00 per excess items fee for each third party check paid in excess of the six allowed per month. Fees could reduce account earnings.

Health Savings Account

Health Savings Accounts (HSAs) are wonderful alternatives to traditional health insurance by offering you a different way to pay for health care. With an HSA, you can pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.

You must be covered by a High Deductible Health Plan (HDHP) to be able to take advantage of HSAs. An HDHP generally costs less than what traditional health care coverage costs, so the money that you save on insurance can be put into an HSA.

You own and control the money in your HSA, so decisions on how to spend the money are made by you without relying on a third party or a health insurer. Plus, you will also decide what types of investments to make with your money in order to make it grow.

Read More about the First Kentucky Bank Health Savings Account program

Fees could reduce account earnings.

Christmas Club Savings Account

Start saving now for the next holiday season! Christmas Club accounts can be opened in October to help you begin saving for the following year.

There’s a minimum $50 deposit. This account is set up to automatically transfer from another First Kentucky account to make saving easy! So, after each paycheck, have a designated amount automatically transfer to this special savings account. Then, the next October you will have access to this account to start your holiday shopping!

Fees could reduce account earnings.

Looking for Long Term Saving Options?

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