Learn more about brokerage services offered by CFSB Investments and the different type of investment opportunities they offer. Make an appointment today! / Investing / BROKERAGE SERVICES Invest in yourself and your future CFSB Investments provides brokerage services and is dedicated to helping you better plan and save for your future and beyond. CFSB Investments advisors are dedicated to building long-term relationships with you to provide the ongoing guidance you need to help work towards both short and long-term goals. Learn More Retirement Planning College Funding Estate Planning Life Insurance How do I get started? Our financial advisors are eager to help you meet your goals, whatever they may be. The first step is taking a look at your overall financial picture. You can schedule a no-cost, no-obligation appointment with one of our financial consultants to get started. Check the background of investment professionals associated with this site on FINRA's BrokerCheck Learn More Meet Our Team Jennifer Flanary LPL Registered Representative Read Bio Patrick Flanary LPL Financial Advisor Read Bio Riley Solomon LPL Financial Advisor Read Bio Maggie Darnall LPL Operations Manager Read Bio Here for You Call, text, email, chat, or whatever method is most convenient for you - our team is ready to help! Contact Us Find a Location Visit the nearest banking center for an in-person consultation to discuss any questions you may have. View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note Important Information about LPL Financial LPL Financial is one of the nation's leading financial services companies and a publicly traded company under ticker symbol LPLA. The firm's mission is rooted in the belief that objective financial guidance is a fundamental need for everyone. LPL does not offer proprietary investment products or engage in investment banking activities; this means advisors affiliated with LPL are not pressured or influenced by LPL to sell its products. Thousands of financial advisors nationwide are able to rely on the firm's tools and resources to help them provide financial guidance and recommendations to help meet their clients' needs. For more information about LPL Financial, visit www.lpl.com . Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor, and a broker-dealer (Member FINRA / SIPC). Insurance products offered through LPL Financial or its licensed affiliates. Community Financial Services Bank (CFSB) and CFSB Investments are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CFSB Investments, and may be employees of CFSB. These products and services are being offered though LPL or its affiliates, which are separate entities from, and not affiliates of, CFSB or CFSB Investments. Securities and insurance products offered through LPL or its affiliates are: Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Your Bank ("Financial Institution") provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

CFSB offers many types of Business Services to help your business grow. Explore what we have to offer and let us help you choose the services that work for you! BUSINESS SERVICES Equipping your business to achieve your goals Business / Business Services / Owning your own business can be challenging, but we make it easy to pick and choose the services that best meet your needs! Our business tools can get you something that is absolutely priceless - convenience! We offer merchant services to process transactions, cash management in the comfort of your home or office, remote deposit capture to make deposits from your office, and courier services to save you unnecessary trips to the bank. Convenient solutions with local support Cash Management Handle a variety of cash management tasks from your home or office Make ACH transactions, wire transfers, direct deposits to employees, and more Available 24/7, with training and support provided by CFSB Learn More Remote Deposit Services Conveniently deposit checks from your office Desktop scanner provided by CFSB with an additional mobile deposit option Available 24/7, with training and support provided by CFSB Learn More Courier Services Deposit pickup and change order request/delivery service Pickup and delivery available every business day of the week (M-F) Offered to clients within 30 miles of any CFSB Banking Center Learn More Autobooks Send professional invoices directly to your customer's inbox Payments automatically deposit into your business checking account Quickly manage who has opened your invoices, made a payment, or who still owes you money Learn More Merchant Services Give your customers more payment options Reduce float time, earning your interest faster Processing all major credit cards and debit cards Learn More Help Me Decide Let's talk about your financial goals and see what Business Services are a good fit for your business needs! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Business Services! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

It's never too early to start saving for your retirement. CFSB is here to help you prepare for your future. Contact us today to explore our retirement accounts. Competitive Interest Tax Advantages No Setup Fees No Maintenance Fees INDIVIDUAL RETIREMENT ACCOUNT (IRA) Be old enough to retire, but young enough to enjoy it. It's never too early to start securing your retirement. We offer a few different savings options in order to best fit your personal savings goals. If saving for the future is important to you, we've got you covered. We offer both Roth and Traditional options for IRAs - each with their own advantages. Our team would be more than happy to discuss the differences and guide you to making a well-informed decision. Get Started / Time Deposits / Individual Retirement Accounts / No annual fees or setup fees Federally insured $1000* minimum deposit to open Save for retirement with special tax advantages** Traditional and Roth IRA options available Earn competitive interest at a higher rate than a regular savings Annual contribution limits apply (see current contribution limits) Benefits of Individual Retirement Accounts * $1000 minimum deposit to open only applies to the current IRA Specials. $25 minimum deposit to open the 12-Month Variable IRA. ** Consult your tax advisor to discuss your individual tax situation View all Time Deposit Accounts! Let's Go Help Me Decide Let's talk about your financial goals and see if an Individual Retirement Account is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Individual Retirement Accounts! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note Traditional IRA No income limits to open No minimum contribution requirement Contributions are tax deductible on state and federal income tax* Earning are tax deferred until withdrawal (when usually in a lower tax bracket) Withdrawals can begin at age 59 1/2 Early withdrawals are subject to penalty Mandatory withdrawals begin at age 72 Roth IRA Income limits to be eligible to open Roth IRA* Contributions are NOT tax deductible Earnings are 100% tax free at withdrawal* Principal contributions can be withdrawn without penalty* Withdrawals on interest can begin at age 59 1/2 Early withdrawals on interest subject to penalty No mandatory distribution age No age limit on making contributions as long as you have earned income Traditional IRA vs. Roth IRA * Consult your tax advisor to discuss your individual tax situation To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

(888) 226-5669 Open 24 hours Back to Locations Belew's ATM 15695 US-68, Hardin, KY 42048, USA (888) 226-5669 Mailing Address: Location Hours Lobby Hours Monday - Friday Drive-Thru Hours Monday - Thursday Friday Saturday Contact Us Get Directions ABOUT THIS LOCATION Belew's ATM We're all about value at Community Financial Services Bank. Because our customers are so important to us, we focus all our energy on providing additional value to you. For over 130 years, this added value has come in the form of exceptional checking and savings accounts, personalized loan offerings, convenient, state-of-the art services, and of course friendly, customized service every step of the way. Contact Us Here for You Call, text, email, chat, or whatever method is easiest for you - our team is ready to help! Contact Us Who We Are Our roots run deep - REALLY deep! We enjoy being able to serve the communities that we call home. Learn More Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

Discover the additional banking services at CFSB, including coin counting, safe deposit boxes, notary services, wire transfers, and more. Visit a banking center today to enhance your banking experience! ADDITIONAL SERVICES Your one-stop shop for all your financial needs Resources / Additional Services / At CFSB, we go beyond everyday banking to provide you with the tools and services that make managing your finances easier. Whether you need to securely store valuables, turn your change into cash, or make a wire transfer, we’re here to help. Explore our in-lobby services Coin Counting Machines Safe Deposit Boxes Wire Transfers Telephone Banking Notary Services Protect your most valuable items with a secure safe deposit box at CFSB. Whether you need to store important documents, jewelry, or other valuables, our safe deposit boxes offer a secure, climate-controlled environment to give you peace of mind. Various sizes are available to meet your needs. To learn more about pricing and availability, please visit any of our banking centers or give us a call at 888-226-5669! Loose change piling up? Our self-service coin counting machines make it easy to turn your coins into cash quickly and accurately. These machines save you time and effort, so you can skip the hassle of manual counting! Coin machines are currently available at the following locations: Benton Banking Center , Calloway North Banking Center , Calloway Sycamore Banking Center , Graves County Banking Center , and McCracken County Southside Banking Center . Need to send or receive money fast? Our wire transfer services allow you to securely move funds domestically and internationally with ease. Whether you're making a business payment or sending money to family, our team ensures your transactions are processed efficiently and securely. *Fees may be applicable for incoming and outgoing international and domestic wires. Call us at 888-226-5669 to learn more! Bank anytime, anywhere with our convenient telephone banking service. Check your account balances, transfer funds, review recent transactions, and more—all from the comfort of your phone. Our automated system is available 24/7, ensuring you have access to your accounts whenever you need it. Call 270-527-2222 to get started! Need an important document notarized? CFSB offers free notary services to our clients to help authenticate signatures and verify documents quickly and securely. Whether you're signing legal paperwork, financial documents, or business agreements, our notary professionals ensure a smooth and hassle-free process. Stop by one of our banking centers to get your documents notarized today! Services Personal Banking Whether you need a reliable checking account, competitive savings options, or personalized loans, we've got you covered. Enjoy the convenience of local banking with a personal touch. Discover CFSB's range of personal banking products designed to meet your financial goals. Learn More Business Banking From flexible business loans to convenient checking and savings accounts, our comprehensive suite of financial products supports your business growth. Benefit from local expertise and personalized service that prioritizes your success. Learn More Brokerage Services Count on CFSB Investments for expert, personalized guidance to achieve your financial goals. Whether planning for retirement, funding college education, securing life insurance, or any other financial objective, we're here to support you every step of the way. Learn More

Learn more about the benefits of using CFSB's ag equipment loans to repair or purchase up-to-date equipment. Contact us today to talk about your options! Competitive rates for new and used equipment Stay ahead of the competition Keep your operation running smoothly with up-to-date equipment Customized terms, designed around the needs of your agribusiness Meet needs without cutting into working capital or savings Avoid lapsed periods in production and outdated equipment Quick, local decision making and processing Friendly, West Kentucky service from start to finish Benefits of our Ag Equipment Loans Please note that this loan is only currently available to residents of Kentucky, Missouri, Illinois, Indiana, and Tennessee. All loans are subject to credit approval. AGRICULTURE EQUIPMENT LOANS Get the best equipment to stay ahead Your ag operation depends on having equipment that can get the job done. We can help keep things running smoothly with a flexible equipment loan. Our ag equipment loans are the perfect way to get your agribusiness that much needed new piece of equipment or the funds to fix existing equipment without cutting into your working capital or savings. We offer competitive rates and flexible terms that work around the needs of your business. Get Started Business / Business Lending / Ag Equipment Loans / Meet our Commercial Lending Team! Let's Go Competitive Rates Flexible Terms Local Decisions Friendly Service Help Me Decide Let's talk about your financial goals and see if an Ag Equipment Loan is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Ag Equipment Loans! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

CFSB offers many types of Business Loan options to help your business grow. Explore and select the business loan that is right for you! BUSINESS LOANS Get the right loan for your business at the right rate Business / Business Lending / Whether you're a start-up, large corporation, or multi-generational business, our lenders can help you navigate finding the financing option that meets your business-specific needs. We're invested in seeing business in our local communities thrive. All of our business loans were designed with the success of your business in mind. We offer very competitive fixed and adjustable rates on business lines of credit, commercial real estate, commercial construction, equipment, business term, and church loans. Commercial Loans Commercial Real Estate Loans Custom and flexible term options Includes purchases, rental income properties, acquisitions, expansions, and more Quick, local decision-making and processing Learn More Commercial Construction Loans Covers a number of business construction and renovation needs Competitive interest rates with flexible terms Smooth transition to permanent financing upon completion Learn More Equipment Loans Affordable financing for new or used business equipment Customized terms, designed around your business's unique needs Meet your needs without cutting into working capital or savings Learn More Business Lines of Credit Finance a variety of business needs on an ongoing basis Draw down funds as needed; only pay interest on what you use Seasonal lines, open-end revolving lines, and cash reserves available Learn More Business Term Loans Affordable funding for almost any business expense Fund working capital, inventory, improvements, and more Flexible terms tailored to the unique needs of your business Learn More Church Loans Finance a variety of church-related needs at a competitive rate May include expansion, relocation, vehicles, and more Available only to Kentucky residents within the counties we currently serve Learn More SBA Loans Funding for various business purposes, including working capital, equipment purchases, and real estate investments Features competitive rates, long repayment periods, and lower down payments. Learn More Meet our Commercial Lending Team! Let's Go Agriculture Loans Farm Loans Friendly, knowledgeable service from start to finish Covers most agricultural needs at a competitive rate Crop production lines of credit, equipment refinancing, and more Learn More Ag Real Estate Loans Competitive rates for the purchase, refinance, or construction of ag property Repayment terms customized to fit the needs of your agribusiness Available for owner-occupied or investment properties Learn More Ag Equipment Loans Keep your operation running smoothly with up-to-date equipment Competitive rates for new or used equipment purchases, or repairs Meet needs without cutting into working capital or savings Learn More Ag Lines of Credit Affordable, ongoing financing for a variety of agribusiness needs Finance seasonal fluctuations, ongoing updates, and more As principal is repaid, more becomes available for use Learn More Specialty Ag Loan Programs Whatever it is your agribusiness needs, we can help finance it Our lenders are well-versed in a number of specialized ag-lending products Quick, local decision-making and processing Learn More We are deeply rooted in helping agribusinesses and farmers in our local communities sustain their operations for generations to come. Our lenders don't believe in a one-size-fits-all approach to lending. We are invested in helping you find financing that is tailored to meet your specific needs. We offer very competitive fixed and adjustable rate loans on farmland, real estate, equipment, operating lines of credit, and other special ag loan programs Help Me Decide Let's talk about your financial goals and see which business loan is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our business loans! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

CFSB is one of the oldest home mortgage loan companies in West Kentucky. Use our vast real estate knowledge and various financing programs to buy your dream home. Various Financing Programs Competitive Rates Refinancing Available Friendly, Local Service MORTGAGE LOANS Let's get you moved with a home mortgage loan. Welcome home, neighbor! We've called West Kentucky our home since 1890. Let us welcome you to the community with a competitive mortgage loan by filling out our online loan application today! Apply Now / Lending / Mortgage Loans / Competitive mortgage rates for home purchase, refinance, or construction Available for primary residences, second homes, vacation homes, or investment properties A wide range of terms customized to your unique situation Experienced loan officers with working knowledge of the Western Kentucky real estate market Free pre-approval for extra confidence when buying your home Refinance your current home to potentially lower your rate Local decision-making and processing right here in Western Kentucky Customized, friendly service from our experienced lending team Variety of financing programs available: Fixed-rate mortgages Adjustable-rate mortgages (ARMs) USDA Rural Housing Loans FHA Loans VA Loans Construction Loans Benefits of our Mortgage Loans We currently only accept online applications from our immediate lending area (KY, MO, IL, IN, and TN). If you are outside this area, please call us for assistance with your loan application. Meet our Residential Lending team! Let's Go "I've applied, what's next?" After you've submitted your application, our team will be hard at work looking things over and moving it through the loan process. In the meantime, you can click here and log in to view your loan status. 1. Check out the Rates Make an informed choice before you buy. Check out the latest rates for mortgages with CFSB before you apply. Check Rates 2. Apply Online Apply for your home loan from anywhere online in minutes. Submit your application and our team will take it from there! Apply Now 3. Home Owner Education Resources Help yourself get prepared for a mortgage by completing a free homeowner education course! Get Started Next steps to getting you Home Help Me Decide Let's talk about your financial goals and see which Mortgage Loan is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Mortgage Loans! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

(888) 226-5669 Open 24 hours Back to Locations Hardin ATM 31 KY-402, Hardin, KY, USA (888) 226-5669 Mailing Address: Location Hours Lobby Hours Monday - Friday Drive-Thru Hours Monday - Thursday Friday Saturday Contact Us Get Directions ABOUT THIS LOCATION Hardin ATM We're all about value at Community Financial Services Bank. Because our customers are so important to us, we focus all our energy on providing additional value to you. For over 130 years, this added value has come in the form of exceptional checking and savings accounts, personalized loan offerings, convenient, state-of-the art services, and of course friendly, customized service every step of the way. Contact Us Here for You Call, text, email, chat, or whatever method is easiest for you - our team is ready to help! Contact Us Who We Are Our roots run deep - REALLY deep! We enjoy being able to serve the communities that we call home. Learn More Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

Find a savings account that works for you. CFSB caters to your financial needs with competitive, tiered interest rates, from short-term expenses to long-term goals. PERSONAL SAVINGS ACCOUNTS Maximize your savings goals today with CFSB / Personal Savings / Whether it's for a rainy day fund or to save for your golden years with our Individual Retirement Accounts (IRAs), we're here to help you meet your savings goals. Time Deposit Accounts Certificates of Deposit (CDs) Better earnings than a regular savings account Competitive, fixed rates for the length of term No setup or maintenance fees Learn More Individual Retirement Accounts (IRAs) Monthly interest payments - higher than regular savings accounts No minimum balance requirements, annual, or setup fees Traditional and Roth options available Learn More Savings Accounts Community Savings Simple, straightforward savings account with all the essentials Competitive, tiered interest rates to reward your higher balance No minimum balance requirements Learn More Premier Advantage Savings All the perks of our Community Savings account, plus more Your higher balance helps you earn even more Interest is compound daily and paid monthly Learn More Health Savings Account (HSA) Gain control over your healthcare expenses No monthly service fee or minimum balance requirements Earn tax savings benefits Learn More Help Me Decide Let's talk about your financial goals and see which Personal Savings account is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Personal Savings accounts! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note CURRENT CD SPECIALS 7-MONTH SPECIAL 3.87% APY Apply Now 17-MONTH SPECIAL 4.17% APY Apply Now

The Community Business Savings account is one of CFSB's most popular business savings accounts. Learn about the benefits and apply for an account today! Interest Accrued Daily Competitive, Tiered Rates Free Digital Banking Interest Paid Quarterly COMMUNITY BUSINESS SAVINGS Let your balance work for you! Get the most out of your savings balance with competitive, tiered earnings. You'll also retain easy access to your funds. Whether you're a small mom and pop or a large corporate venture, our Community Business Savings account has the best of both worlds. A secure, fee-free account that allows your money to grow by just being in the account. Request Info Business / Business Savings / Community Business Savings / Designed specifically for your business No monthly service fees, ever Free digital banking Federally insured by FDIC up to $250,000 $100 minimum deposit to open Free ATM card for CFSB ATM's and LTM's Competitive, tiered interest rates* The higher your balance, the higher your rate Interest compounded daily and paid quarterly Benefits of the Community Business Savings Account *Interest rate subject to change at any time. Fees may reduce earnings. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. View all of our business savings accounts! Let's Go Help Me Decide Let's talk about your financial goals and see if our Community Business Savings account is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Community Business Savings account! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

CFSB offers a low rate and world perferred points rewards personal credit card. Learn about the benefits and decide which best suits your needs. PERSONAL CREDIT CARDS Purchasing power when you need it Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! Apply Now Manage Card / Personal Credit Card / Competitive Rates Cash Back Zero Fraud Liability* Friendly Service Benefits of Personal Credit Cards No matter which card you choose you'll enjoy important features like: Convenient and flexible purchasing power. Accepted at millions of locations worldwide. Mobile Purchasing capability for added convenience. Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen. Cardmember Service available 24 hours a day/365 days per year. Plus much more! Apply Now *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Help Me Decide Let's talk about your financial goals and see if a Personal Credit Card is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Personal Credit Cards! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note