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Commonwealth Credit Union Frankfort, KY Rates & Review March 2026

Commonwealth Credit Union Frankfort, KY's Grow with Me 12-Month CD rates are at 5.05%, Wealth Development CD 24 month rates are at 5.00%, Wealth Development CD 48 month rates are at 5.00%, 12-month Jumbo CDs (Regular, Traditional IRA, and Roth IRA) rates are at 4.10%, 15 month CDs (Regular, Traditional IRA, and Roth IRA) rates are at 4.10%. Commonwealth Credit Union Frankfort, KY's savings rates are at 0.15%. Commonwealth Credit Union Frankfort, KY's money market rates are at 1.80%. Commonwealth Credit Union Frankfort, KY's Personal Loan Rates are at 9.49%. MonitorBankRates evaluates the financial stability of Commonwealth Credit Union Frankfort, KY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.66%. Rates were last updated on 03/25/2026.

Commonwealth Credit Union Frankfort, KY money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commonwealth Credit Union Frankfort, KY? Share your experience about Commonwealth Credit Union Frankfort, KY by leaving a review below, or read customer reviews before you decide to use Commonwealth Credit Union Frankfort, KY.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.66%
Excellent Lower than avg
Commonwealth Credit Union Frankfort, KY
High Street Branch
417 High St
Frankfort, KY 40601
https://www.ccuky.org
Member NCUA

Commonwealth Credit Union Frankfort, KY CD Rates

Product Rate APY Term View More
Grow with Me 12-Month Certificate 4.94% 5.05% 12-Month
Min Deposit $250
Details This account is available only for members under 18 years of age. Accounts may be opened between October 1 and October 31 each year.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Wealth Development Certificate 24 month - 5.00% 24 months
Min Deposit $5
Details Monthly Min/Max: $20/$400, paid annually
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Wealth Development Certificate 48 month - 5.00% 48 months
Min Deposit $5
Details Monthly Min/Max: $20/$200, paid annually
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
12-month Jumbo Certificate Certificates (Regular, Traditional IRA, and Roth IRA) 4.03% 4.10% 12
Min Balance $75,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
15 month Certificates (Regular, Traditional IRA, and Roth IRA) 4.03% 4.10% 15
Min Balance $500
Details New money only, not funds currently on deposit with Commonwealth Credit Union
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
6 month Certificates (Regular, Traditional IRA, and Roth IRA) 4.03% 4.10% 6
Min Balance $500
Details New money only, not funds currently on deposit with Commonwealth Credit Union
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
6-month Jumbo Certificate Certificates (Regular, Traditional IRA, and Roth IRA) 4.03% 4.10% 6
Min Balance $75,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
12 month Certificates (Regular, Traditional IRA, and Roth IRA) 3.93% 4.00% 12
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
6 month Certificates (Regular, Traditional IRA, and Roth IRA) 3.93% 4.00% 6
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
60 month Certificates (Regular, Traditional IRA, and Roth IRA) 3.59% 3.65% 60
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
18 month Certificates (Regular, Traditional IRA, and Roth IRA) 3.49% 3.55% 18
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
24 month Certificates (Regular, Traditional IRA, and Roth IRA) 3.45% 3.50% 24
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
36 month Certificates (Regular, Traditional IRA, and Roth IRA) 3.45% 3.50% 36
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
48 month Certificates (Regular, Traditional IRA, and Roth IRA) 3.45% 3.50% 48
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%

Commonwealth Credit Union Frankfort, KY Savings Rates

Product Rate APY View More
Round UP Savings 5.00% 5.00%
Details Qualifying balance up to $1,000.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Minor Savings 0.15% 0.15%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Regular Savings 0.15% 0.15%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Vacation Club/Christmas Savings 0.15% 0.15%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%

Commonwealth Credit Union Frankfort, KY Money Market Rates

Product Rate APY View More
Business Money Market Accounts 3.20% 3.25%
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Business Money Market Accounts 2.96% 3.00%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Business Money Market Accounts 2.81% 2.85%
Min Balance $25,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Business Money Market Accounts 2.67% 2.70%
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Business Money Market Accounts 2.52% 2.55%
Min Balance $2,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Consumer Money Market Accounts 2.47% 2.50%
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Consumer Money Market Accounts 2.23% 2.25%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Consumer Money Market Accounts 2.08% 2.10%
Min Balance $25,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Consumer Money Market Accounts 1.93% 1.95%
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Consumer Money Market Accounts 1.79% 1.80%
Min Balance $2,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%

Commonwealth Credit Union Frankfort, KY Checking Rates

Product Rate APY View More
Power Checking - 3.00%
Min Balance $100,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.75%
Min Balance $50,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.60%
Min Balance $25,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.50%
Min Balance $50,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.45%
Min Balance $10,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.35%
Min Balance $25,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.30%
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.25%
Min Balance $50,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.20%
Min Balance $10,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.10%
Min Balance $25,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 2.05%
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 1.95%
Min Balance $10,000
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 1.80%
Details Qualifications Required
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 0.85%
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 0.60%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 0.45%
Min Balance $25,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 0.30%
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Power Checking - 0.15%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%

Commonwealth Credit Union Frankfort, KY Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (up to 100% Loan-to-Value) 5.75% - 18.00%
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%

Commonwealth Credit Union Frankfort, KY Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - - 5.49% 1-48
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
New Auto Loans - - 5.74% 49-63
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Used Auto Loans - - 5.74% 1-48
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
New Auto Loans - - 6.24% 64-75
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Used Auto Loans - - 6.24% 49-63
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
New Auto Loans - - 6.74% 76-84
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Used Auto Loans - - 6.74% 64-75
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Used Auto Loans - - 7.24% 76-84
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%

Commonwealth Credit Union Frankfort, KY Personal Loan Rates

Product Rate APR View More
Signature Cash Personal Loan - 9.49%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%
Signature Cash Personal Line of Credit - 11.49%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.66%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Commonwealth Credit Union Frankfort, KY is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Commonwealth Credit Union Frankfort, KY rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Commonwealth Credit Union Frankfort, KY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Commonwealth Credit Union Frankfort, KY
Address 417 High St, Frankfort, KY 40601
Phone 502-564-4775
Fax
President Randy Fawns
CEO Karen Harbin
Full-Time Employees 352
Part-Time Employees 18
Branch Locations 17
ATM Locations 18
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.66%
Return on Assets (ROA)
0.5903%
Return on Equity (ROE)
5.0115%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
2,278,800,808
Total Amount of Shares and Deposits
1,956,379,998
Total Shares and Deposits < 1 Year
1,826,448,671
Total Shares and Deposits 1 3 Years
112,642,821
Total Shares and Deposits > 3 Years
17,288,506
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
104,138,992
Total Uninsured Shares and Deposits > $250K (F+J)
104,138,992
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,852,241,006
Total Interest Expense (Sum of items 6 8)
10,442,479
Share Certificates
23,414
Number of Accounts for Share Drafts
77,529
IRA KEOGH Accounts
4,523
Number of Accounts for Regular Shares
199,929
All other shares
1,524
Money Market Shares
4,134
Net Income (unless the amount is already included in Undivided Earnings)
13,451,907
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
197,965,712
Total Liabilities
2,057,719,992
Source: NCUA — Last Updated 03/31/2024

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Frequently Asked Questions About Commonwealth Credit Union Frankfort, KY

Is Commonwealth Credit Union Frankfort, KY a safe place to deposit money?

Yes, Commonwealth Credit Union Frankfort, KY is considered a safe financial institution. With a Texas Ratio of 2.6602367899106%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Commonwealth Credit Union Frankfort, KY operate?

Commonwealth Credit Union Frankfort, KY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Commonwealth Credit Union Frankfort, KY?

Yes, to access services at Commonwealth Credit Union Frankfort, KY, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Commonwealth Credit Union Frankfort, KY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commonwealth Credit Union Frankfort, KY provides members with tools to manage their accounts and build a solid financial history.

Does Commonwealth Credit Union Frankfort, KY offer online and mobile banking?

Most modern institutions like Commonwealth Credit Union Frankfort, KY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ccuky.org.

Current Commonwealth Credit Union Frankfort, KY Rates

  • 12-Month CD4.00%
  • 18-Month CD3.55%
  • 24-Month CD3.50%
  • 60-Month CD3.65%
  • Savings0.15%
  • MMA1.80%
Retrieved from our database of financial products. Rates subject to change.