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of your agribusiness Meet needs without cutting into working capital or savings Avoid lapsed periods in production and outdated equipment Quick, local decision making and processing Friendly, West Kentucky service from start to finish Benefits of our Ag Equipment Loans Please note that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

Open a business bank account with CFSB. Guarantee optimum returns with efficient cash flow management, merchant card services, checking, and savings benefits. Your Life. Your Bank. Who We Are Personal Banking YOUR HOME FOR BUSINESS BANKING Business solutions built to help maximize revenue and growth! Business Checking Business Savings Commercial Lending Business Services Business Credit Card Reliable Financial Tools Mobile Wallet Shop securely without ever revealing your card information with CFSB Mobile Wallet Card Controls Control your debit card at any time within our digital banking platform. Digital Banking, Enhanced. Bank on your time with our user friendly mobile app! Manage your finances from your phone Safe, easy, and secure transactions Easily manage bill pay options Track income and expenses Take control of your money with our budgeting tools Careers Become part of our growing family! Join the Team News & Blog View All Why do I have to answer questions before you will give my account information to me? At CFSB, our goal is to make your banking experience as easy as possible by providing you the assistance you need, when you need it. Protecting your personal information is extremely important, so when you call we will ask some additional questions that only you would know. Oh no, I've been overcharged! Have you ever purchased gas for $30 only to login to your CFSB Digital Banking and see a $75 charge? OH MY! In most cases this is a preauthorization. The amount is held by the merchant until the transaction is settled for the original charge, or the hold "falls off". Wait! That purchase was made first, now I have an NSF Fee. Why did the purchase I made on Thursday clear before the purchase I made on Monday? Items clear your account based on when a merchant settles the transaction. The time and day you make the transaction doesn't always determine when the item will clear your account. I am traveling, why is my debit card not working? Notifying the bank when you travel is very important. To better protect your account, our Fraud Center will notice purchase activity from locations outside your normal area and 'lock" your card. Whenever you plan a trip, you can submit a travel note via digital banking yourself or we can place a travel note on your account. What is CFSB's routing number? Our routing number is 083903328. Can I add my CFSB debit card to my mobile wallet? Yes, you absolutely can! Mobile wallet works the same as if you inserted your CFSB debit card into the card reader at the merchant and is processed the exact same! I have loads of coin, do I need to roll it before bringing into the bank? Rolling your own change is a thing of the past! We offer change machines in each of our markets. This is a free service to our CFSB Clients! I work late and I do not have a smartphone, how do I check my balance? We offer telephone banking, this service is free and available 24/7. You can quickly and easily make account balance inquiries and more outside of our normal banking hours. Dial 270-527-2222! Are Discover Debit Cards as widely accepted as other card carriers? Yes! Your CFSB Discover debit card is accepted nationwide by 99% of the places that take credit cards. If you ever encounter the 1% that does not accept Discover, we encourage you to call us at 888-226-5669 and let us know! What is a Live Teller Machine or LTM? A Live Teller Machine (LTM) is a video-based, interactive technology that allows clients to conduct transactions with a centrally located teller. In normal terms, you can video-chat with a someone on our team when conducting a transaction the LTM if you need help! Using an LTM allows you to cash checks, make deposits, loan payments as well as many other services! Frequently Asked Questions The More You Know View All FAQs

Learn more about types of scams fraudsters use and how to help prevent yourself from becoming a victim of fraud. Contact CFSB today with any questions! FRAUD SECURITY TIPS Knowledge is the first line of defense Resources / Fraud Security Tips / In today’s digital age, protecting yourself from fraud is more important than ever. At CFSB, we prioritize your financial security and want to provide you with the tools and knowledge to safeguard your accounts. Below are some essential fraud security tips and best practices. Recognizing Common Scams PHISHING SCAMS TELEPHONE SCAMS ROMANCE SCAMS LOAN AVAILABILITY SCAMS Fraudsters may call you, claiming to be from your bank or another institution, asking for sensitive information. Tip: Never share personal information over the phone unless you are certain of the caller's identity. Hang up and call the official number of your bank to verify. Phishing scams often come via email or text, where scammers impersonate reputable organizations. They typically ask for personal information, such as passwords or account numbers. Example: You receive an email that looks like it’s from your bank, asking you to verify your account details. Always check the sender’s email address and look for signs of phishing, such as poor grammar or generic greetings. Scammers strike up a relationship to build trust with a victim. Then, they make up a story and ask for money. Loan availability scams promise a loan to the victim with no credit check and that will raise your credit score, just by paying "fees" upfront. Best Practices for Online Banking Use Strong Passwords Create complex passwords that are difficult to guess. Incorporate letters, numbers, and special characters. Example: Instead of “password123,” use “G$rden2024!” for added security. Enable Two-Factor Authentication Whenever possible, enable two-factor authentication (2FA) for an extra layer of security. Monitor Your Accounts Regularly Check your bank statements and account transactions frequently. Report any suspicious activity immediately. Safeguard Personal Information Secure Your Devices Ensure that your computer and mobile devices have up-to-date security software. Regularly update your operating system and applications. Be Cautious with Public Wi-Fi Avoid accessing sensitive accounts over public Wi-Fi networks. If necessary, use a VPN for added security. What to do if you suspect fraud? Contact the Bank Immediately If you notice any suspicious activity, contact CFSB right away. Our fraud protection team is here to help. Report the Incident File a report with local authorities and the Federal Trade Commission (FTC) if necessary. 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

Explore the great outdoors with an RV, ATV, motorcycle, or watercraft. CFSB’s competitive Recreational Vehicle loan rates help you purchase with up to 100% financing. Competitive Rates Flexible Terms Local Decisions Friendly Service POWERSPORTS & RV LOANS Let us help you finance your fun! Rev up your adventures with CFSB's Powersports & RV Loans! Whether you're hitting the trails or cruising the waves, our competitive rates make financing easy and hassle-free. From RV's to watercraft, we've got you covered! Our local team is ready to help you finance up to 100% of your purchase—let's make your outdoor dreams a reality! Apply Now / Lending / Powersports & RV Loans / Finance your next ATV, Boat, or RV with CFSB Bring a new toy with you on your next outdoor adventure Refinance vehicles financed elsewhere to lower your rate potentially Flexible repayment terms Up to 100% financing available on all purchases Free pre-approvals for extra buying power when negotiating Customized, friendly service from our experienced lending team Local decision-making and processing right here in Western Kentucky Competitive rates for a wide range of recreational vehicles: ATVs RVs Dirt Bikes Boats Personal watercrafts And more All loans are subject to credit approval. We currently only accept online applications from our immediate lending area (Counties, including Calloway, Graves, Livingston, Lyon, Marshall, and McCracken). If you are outside this area, please call one of our banking centers for assistance with your loan application. Meet our experienced lending team! Let's Go Help Me Decide Let's talk about your financial goals and see if a Powersports & RV 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 Powersports & RV 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

Find the nearest CFSB banking center or ATM with highlighted hours of operation for the lobby and drive thru. Locations & Hours Visit a CFSB banking center, ATM, or LTM today! Mailing Address: PO Box 467, Benton, Kentucky 42025 All ATM / LTM Banking Center Benton Banking Center Calloway North Banking Center Calloway Sycamore Banking Center Calvert Banking Center Draffenville Banking Center Graves County Banking Center McCracken Park Avenue Banking Center McCracken Southside Banking Center Text us! Not a fan of phone calls? Text us! Enjoy our top-notch client service without the hassle of being on the phone and dialing in! Text us at (888) 226-5669 and our team will be happy to assist you with all of your banking needs. Our team responds to texts, emails, chats, and other messages on Monday - Saturday from 7:00 AM - 7:00 PM and 2:00 - 7:00 PM on Sunday. Text Us History Explore how our bank's commitment to local growth and our communities has shaped a legacy over the years. Learn More Our Leaders Meet our experience and dedicated team guiding our bank with vision, integrity, and a passion for community service. Learn More Community Learn about our initiatives and partnerships that support and enrich the community we proudly serve. Learn More Careers Discover rewarding career opportunities where you can grow professionally while making a meaningful impact. Learn More 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. 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CFSB offers competitively priced motorcycle loans to help you finance your next ride. You worry about where you're riding to next, we'll take care of the rest! Competitive Rates Flexible Terms Local Decisions Friendly Service MOTORCYCLE LOANS It's time to get in the wind Feel the freedom of the open road with our motorcycle financing options. Whether you're eyeing a brand new ride or a quality used bike, we're here to make it happen. Enjoy up to 100% financing on your dream motorcycle with competitive rates and personalized service. At CFSB, we streamline the process so you can focus on what matters most—riding between the lines with ease! Apply Now / Lending / Motorcycle Loans / Affordably finance a new or used motorcycle Competitive rates for a wide range of bikes Refinancing options available to potentially lower your rate Local decision making and processing right here in Western Kentucky Up to 100% financing available on all purchases Free pre-approvals for extra buying power when negotiating Customized, friendly service from our experienced lending team Flexible repayment terms All loans are subject to credit approval. We currently only accept online applications from our immediate lending area (Counties, including Calloway, Graves, Livingston, Lyon, Marshall, and McCracken). If you are outside this area, please call one of our banking centers for assistance with your loan application. Finance your next Motorcycle with CFSB Meet our experienced lending team! Let's Go Help Me Decide Let's talk about your financial goals and see if a Motorcycle 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 Motorcycle 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

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