Home Experts: Your Experts
Bank & Mortgage
CFSB
Hours of Operation
- Lobby Hours
- Benton Fifth Street
- Monday - Friday8 a.m. - 5 p.m.
- Saturday8 a.m. - 12 p.m.
- Benton Main Street
- Monday - Thursday9 a.m. - 3 p.m.
- Friday9 a.m. - 5 p.m.
- Calloway County
- Monday - Thursday8 a.m. - 4 p.m.
- Friday8 a.m. - 5 p.m.
- Saturday8 a.m. - 12 p.m.
- Draffenville
- Monday - Thursday9 a.m. - 3 p.m.
- Friday9 a.m. - 5 p.m.
- Calvert City
- Monday - Wednesday9 a.m. - 3 p.m.
- Thursday - Friday9 a.m. - 5 p.m.
- McCracken County
- Monday - Friday8:30 a.m. - 4 p.m.
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Special Offers
CFSB can finance the home of your dreams! Click here for more information!
Your Life. Your Bank.
Welcome to CFSB! We Value Our Customers!
Since 1890, Community Financial Services Bank (CFSB) has provided financial assistance and guidance to our valued customers throughout Calloway, McCracken and Marshall Counties as well as throughout the Jackson Purchase of Western Kentucky. Below, you will find options of how CFSB can help you and your family build or buy the home of your dreams! CFSB is an Equal Housing Lender and a member of the FDIC.
Construction Loans
Community Financial Services Bank construction loans are handled by experienced loan officers who can assist you with the construction and permanent financing stages of your loan. This type of loan can easily be converted to permanent financing when construction is completed. For inquiries regarding construction loans, call (270) 527-4600 or 1-888-226-5669.
Debt Consolidation Loans
Apply for a debt consolidation loan at Community Financial Services Bank. Consumer loans are offered for many purposes. Creative financing is available to suite individual needs. Rates and terms may vary.
Home Improvement / Home Equity Loans/Revolving Line of Credit
Community Financial Services Bank equity loans can put your home to work for you. An equity loan offers terrific advantages and gives you the flexibility you need to redecorate, travel, college expenses, etc.
Home Purchase / Refinance Loans
Buying a home is an exciting but sometimes confusing process. Community Financial Services Bank is committed to making the financing of your new home as simple and convenient as possible and continues to service the loan until maturity.
Secondary Market Products
CFSB offers a variety of fixed rate mortgage products through Freddie Mac. As a seller/servicer for Freddie Mac, your loan will be serviced locally by people you know and trust, and you can make your payments at any CFSB location. CFSB also offers a ’servicing-released’ product with competitive rates. Since interest rates on secondary market products fluctuate daily, please contact one of our mortgage loan specialists for current information.
Rates and terms on loans vary.
For more information, please call
(270) 527-4600 or 1-888-226-5669.
CFSB is an Equal Housing Lender.
Locations:
Benton Fifth Street Banking Center221 West 5th Street, Benton, Kentucky 42025; (270) 527-6034
LOBBY HOURS:
Monday - Friday: 8 a.m. - 5 p.m.
Saturday: 8 a.m. – 12 p.m.
DRIVE-IN WINDOWS:
Monday - Thursday: 8 a.m. - 5 p.m.
Friday: 8 a.m. - 6 p.m.
Saturday: 8 a.m. - 12 p.m.
Benton Main Street Banking Center
1012 Main Street, Benton, Kentucky 42025; (270) 527-8616
LOBBY HOURS:
Monday - Thursday: 9 a.m. - 3 p.m.
Friday: 9 a.m. - 5 p.m.
Calloway County Banking Center
1721 North 12th Street, Murray, Kentucky 42071; (270) 753-9067
LOBBY & DRIVE-IN HOURS:
Monday - Thursday: 8 a.m. - 4 p.m.
Friday: 8 a.m. - 5 p.m.
Saturday: 8 a.m. - 12 p.m.
Calvert City Banking Center
456 East 5th Avenue, Calvert City, Kentucky 42029; (270) -395-7616
LOBBY HOURS:
Monday - Wednesday: 9 a.m. - 3 p.m.
Thursday - Friday: 9 a.m. - 5 p.m.
DRIVE-IN WINDOWS:
Monday - Wednesday: 8 a.m. - 3:30 p.m.
Thursday: 8 a.m. - 5 p.m.
Friday: 8 a.m. - 6 p.m.
Saturday: 8 a.m. - 12 p.m.
Draffenville Banking Center
23 Hwy 68 West, Benton, Kentucky 42025; (270) 527-4700
LOBBY HOURS:
Monday - Thursday: 9 a.m. - 3 p.m.
Friday: 9 a.m. - 5 p.m.
DRIVE-IN WINDOWS:
Monday - Wednesday: 8 a.m. - 3:30 p.m.
Thursday: 8 a.m. - 5 p.m.
Friday: 8 a.m. - 6 p.m.
Saturday: 8 a.m. - 12 p.m.
McCracken County Banking Center
3390 Park Avenue, Paducah, Kentucky 42001; (270) 443-6203
LOBBY HOURS:
Monday - Friday: 8:30 a.m. - 4 p.m.
DRIVE-IN WINDOWS:
Monday - Thursday: 8:30 a.m. - 4:30 p.m.
Friday: 8:30 a.m. - 5 p.m.
Saturday: 9 a.m. - 12 p.m.
24-Hour Teller Machines
Located At CFSB Banking Centers in Benton Fifth Street, Calvert City, Draffenville, McCracken County and Calloway County.
ATM’s are also located at Benton’s Wal-Mart, Benton’s Ash Street, and in Hardin. CFSB is proud to have ATM’s at Murphy Oil fuel locations in Benton, Murray and Paducah.
Cirrus, Plus, Pulse Networks.
CFSB Call Center
Monday - Friday 8 a.m. - 5 p.m.
(270) 527-4600 or 1-888-226-5669
CFSB is a member of the FDIC and is an Equal Housing Lender.
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Frequently Asked Questions
- What is the difference between a fixed rate and an adjustable rate mortgage?
- A fixed rate mortgage is one in which the interest rate on your mortgage will not change over the life of the loan. The terms for your CFSB fixed rate mortgage can range from 10-30 years.
An adjustable rate mortgage (ARM) is one in which the interest rate can change or "reset" at specified intervals. This can cause your monthly payment to go up or down. The interest rates for residential home loans are based on a published financial index, such as the Primary Credit Rate. The majority of ARM loans are fixed for an extended period of time such as 1, 3, or 5 years before the interest rate changes. - How much of a down payment do I need?
- Typically, loans without a 20% down payment will require PMI, or private mortgage insurance. PMI is an additional fee added to your monthly mortgage payment. There are other options that are available if you do not have the 20% down payment. Contact your CFSB mortgage loan specialist to see how we can help you.
- What are closing costs?
- Closing costs are the fees that it costs to obtain your loan. Some of the typical closing costs for a home loan are appraisal fees, title opinions, title insurance, flood certifications, origination fees, credit report fees, and mortgage filings. In many instances these fees may be included in your loan.
- What factors can affect my loan interest rate?
- There are many factors that can affect your interest rate. Some examples are:
- Size of down payment
- Fixed rate or adjustable rate loan
- Points paid
- Credit scores
- Type of real estate
-Residential
-Multifamily
-1-4 units
-Commercial
-Vacant land
-Construction
-Condominium
- What is escrow?
- Typically, your property taxes and homeowners insurance can be escrowed with your monthly mortgage payment. In order to calculate your escrow payment, divided your annual insurance premium and/or property tax bill by 12. This amount is added to your monthly mortgage payment and we take care of sending your payments to your insurance provider and taxing authority.