Dear Neighbor:               

If your bank keeps changing names; itís time you change banks!

KFB (Kentucky Farmers Bank) is the only remaining bank headquartered in Boyd County, and has been your locally owned, locally operated financial institution since 1931!  

KFB is there for you through every stage in life.  From opening your first deposit account, to buying your first home, and planning for and enjoying retirement; KFB wants to be your financial partner for life!  We offer competitive rates and local decision making.  And with our easy to use mobile app, mobile deposit, on-line banking and surcharge free ATM network; we go wherever you go! 

Whether you already bank with KFB, or youíre thinking about making a change, we invite you to come visit one of our three locations and learn more about how KFB is committed to your financial well being.  Community appreciation week is December 3rd Ė 7th at each of our locations.  Drop in to learn more about what we have to offer and take advantage of community appreciation week specials!

Isnít it time you experienced banking the way it was meant to be?

Your Hometown Banker,

April R. Perry
Chairman and CEO


Community Appreciation CD Special

This product is no longer avaialble! However, qualifying events may be submitted for existing account holders un 3/31/19!

Qualifying events include:

Refer a friend - for more details on this program click here.

Open and be approved for any additional KFB account (DDA, Savings, Loan, or Line of Credit).

Receive a direct deposit in your name to any of your KFB accounts.

Make a mobile deposit to your KFB account.

Make a transfer between 2 of your KFB accounts via Online or Mobile banking.

Pay a bill by using Online or Mobile Banking Bill Pay!

Make 10 debit card purchases by 12/31/18.

Use any surcharge-free ATM by using our Moneypass ATM locator found inside our Mobile App.

Make a payment to a friend at another bank by using Online or Mobile banking Bill Pay! 


The interest rate on this account is 2.480% with an annual percentage yield of 2.50%. You will be paid this rate until next maturity. The account is eligible for up to four, onetime 0.25% rate bumps (for a maximum 3.48% rate, 3.53% APY), if any of the qualifying events listed above are completed and the Qualifying Events post card, given at initial account opening, is postmarked by 3/31/2019. Interest will compound quarterly. 

View More

Community Appreciation Donation Special

Our Community Appreciation CD Special is no longer available. However, you can still participate in our qualifying events and earn $5 donations to the charities of your choice!

  • $5 donation made for each qualifying event completed.
  • Limit 4 qualifying event per customer.
Donations can be made to any of the following local charities:



Ashland Community Kitchen

Boyd County 4-H

Big Brothers Big Sisters of the Tri-State


CASA of Northeast Kentucky

Clean Start

Community Hospice

The Dressing Room

For Jamieís Sake

Helping Hands of Greenup County

Hillcrest Bruce Mission

Hopeís Place

Highlands Museum

Meals on Wheels

The Neighborhood

Paramount Arts Center

River Cities Harvest

Safe Harbor

Shelter of Hope

Two Hearts

United Way



All qualifying events must be marked as completed on a Qualifying Event postcard submitted and postmarked to KFB by 3/31/19. Donations will not be tallied until the Qualifying Event postcard, provided to you at any of our branches, has been submitted to KFB. Qualifying events are listed in detail under the Community Appreciation CD Special section above. Donations will be totaled for each individual charity after the submission deadline of 3/31/19 and checks will be distributed within 30 calendar days thereafter. Total donation by KFB will not exceed $10,000.

View More