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Commonwealth Credit Union Frankfort, KY

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Commonwealth Credit Union Frankfort, KY Rates & Review November 2026

Q: What are the current interest rates at Commonwealth Credit Union Frankfort, KY?

Current rates for Commonwealth Credit Union Frankfort, KY include: 12-Month CD: 4.25%, 18-Month CD: 4.30%, 24-Month CD: 4.35%, 60-Month CD: 4.50%, Savings: 5.00%, MMA: 3.25%

Q: What CD terms does Commonwealth Credit Union Frankfort, KY offer?

Commonwealth Credit Union Frankfort, KY CD rates are 5.25% APY for a 12 month CD, 4.35% APY for a 15 month CD, 4.30% APY for an 18 month CD, 4.35% APY for a 2 year CD, 4.40% APY for a 3 year CD, 4.45% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Commonwealth Credit Union Frankfort, KY for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Commonwealth Credit Union Frankfort, KY's Grow with Me 12-Month CD rates are at 5.25%, 60 Month CD rates are at 4.50%, 48 Month CD rates are at 4.45%, 36 Month CD rates are at 4.40%, 15 Month CD (New Money Only) rates are at 4.35%. Commonwealth Credit Union Frankfort, KY's savings rates are at 5.00%. Commonwealth Credit Union Frankfort, KY's money market rates are at 3.25%. Commonwealth Credit Union Frankfort, KY's checking rates are as high as 3.00%. Commonwealth Credit Union Frankfort, KY's Personal Loan Rates are as low as 9.49%. Commonwealth Credit Union Frankfort, KY's CD rates are 56% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 5.31%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.31%

Excellent Lower than avg

Health Trend

Steady 6 quarters

Full history ›

Commonwealth Credit Union Frankfort, KY
High Street Branch

417 High St
Frankfort, KY 40601

https://www.ccuky.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Commonwealth Credit Union Frankfort, KY CD Rates

Product	Rate	APY	Term
Grow with Me 12-Month Certificate	5.128%	5.25%	12 months
Min Deposit $250 Details Available only for members under 18 years of age; Each member may only have one account; Maximum initial deposit $1,000; Early withdrawal penalties may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
60 Month Certificate	4.41%	4.50%	60 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 30, 2026 · 3.80% → 4.50% ▲ 0.70 pts · high 4.50% / low 3.80% Oct 26, 20264.50%▲ from 3.80% Sep 30, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
48 Month Certificate	4.362%	4.45%	48 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 30, 2026 · 3.75% → 4.45% ▲ 0.70 pts · high 4.45% / low 3.75% Oct 26, 20264.45%▲ from 3.75% Sep 30, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
36 Month Certificate	4.314%	4.40%	36 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 30, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70% Oct 26, 20264.40%▲ from 3.70% Sep 30, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
12-month Jumbo Certificate	4.266%	4.35%	12 months
Min Deposit $75,000 Min Balance $75,000 Details Jumbo; $75,000 minimum balance; auto-renews to a Jumbo Certificate with same term at standard Jumbo rates; limited time offer; dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
15 Month Certificate (New Money Only)	4.266%	4.35%	15 months
Min Deposit $500 Details New money only, not funds currently on deposit with Commonwealth Credit Union; Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
24 Month Certificate	4.266%	4.35%	24 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 30, 2026 · 3.65% → 4.35% ▲ 0.70 pts · high 4.35% / low 3.65% Oct 26, 20264.35%▲ from 3.65% Sep 30, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 15 month New Money	4.266%	4.35%	15 months
Min Deposit $500 Details New money only, not funds currently on deposit with Commonwealth Credit Union; Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
18 Month Certificate	4.218%	4.30%	18 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 30, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 26, 20264.30%▲ from 3.90% Sep 30, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
12 Month Certificate	4.169%	4.25%	12 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 30, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15% Oct 26, 20264.25%▲ from 4.15% Sep 30, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
6 Month Certificate (New Money Only)	4.169%	4.25%	6 months
Min Deposit $500 Details New money only, not funds currently on deposit with Commonwealth Credit Union; Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
6-month Jumbo Certificate	4.169%	4.25%	6 months
Min Deposit $75,000 Min Balance $75,000 Details Jumbo; $75,000 minimum balance; auto-renews to a Jumbo Certificate with same term at standard Jumbo rates; limited time offer; dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 6 month New Money	4.169%	4.25%	6 months
Min Deposit $500 Details New money only, not funds currently on deposit with Commonwealth Credit Union; Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
9 Month Certificate	4.121%	4.20%	9 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
6 Month Certificate	4.073%	4.15%	6 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Savings Rates

Product	Rate	APY
Round UP Savings	-	5.00%
Details Linked to Round UP Checking; debit card transactions rounded up and deposited to savings; 100% match of rounded-up transfers for first 90 days, 5% annually thereafter, max $250 per year; Online Banking and eStatement required; rate effective January 1, 2025 Last Updated 10/29/2026 Rate History No change since Oct 14, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Minor Savings	0.15%	0.15%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Regular Savings	0.15%	0.15%
Details Dividends paid and compounded Monthly. APY assuming dividends are reinvested. Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Vacation Club/Christmas Savings	0.15%	0.15%
Details Dividend Rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Money Market Rates

Product	Rate	APY
Consumer Money Market Accounts	2.472%	2.50%
Min Balance $100,000 Details Balance: $100,000 and up; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Consumer Money Market Accounts	2.227%	2.25%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Consumer Money Market Accounts	2.08%	2.10%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Consumer Money Market Accounts	1.933%	1.95%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 1.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Consumer Money Market Accounts	1.785%	1.80%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 1.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Business Money Market Rates

Product	Rate	APY
Business Money Market	3.203%	3.25%
Min Balance $100,000 Details Balance: $100,000 and up; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Business Money Market	2.96%	3.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Business Money Market	2.813%	2.85%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Business Money Market	2.667%	2.70%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Business Money Market	2.521%	2.55%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Checking Rates

Product	Rate	APY
Power Checking	-	3.00%
Min Balance $100,000 Details Qualifications Required; Balance: $100,000.00 and over; Tier 3: Tier 2 Qualifications Plus an Open Loan Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.75%
Min Balance $100,000 Details Qualifications Required; Balance: $100,000.00 and over; Tier 2: Tier 1 Qualifications Plus 20 Debit Card Transactions Last Updated 10/29/2026 Rate History 1 change since Sep 30, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75% Oct 19, 20262.75%▼ from 3.00% Sep 30, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.75%
Min Balance $50,000 Details Qualifications Required; Balance: $50,000.00 - $99,999.99; Tier 3: Tier 2 Qualifications Plus an Open Loan Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.60%
Min Balance $25,000 Details Qualifications Required; Balance: $25,000.00 - $49,999.99; Tier 3: Tier 2 Qualifications Plus an Open Loan Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.50%
Min Balance $100,000 Details Qualifications Required; Balance: $100,000.00 and over; Tier 1: Requires eStatements Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.50%
Min Balance $50,000 Details Qualifications Required; Balance: $50,000.00 - $99,999.99; Tier 2: Tier 1 Qualifications Plus 20 Debit Card Transactions Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.45%
Min Balance $10,000 Details Qualifications Required; Balance: $10,000.00 - $24,999.99; Tier 3: Tier 2 Qualifications Plus an Open Loan Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.35%
Min Balance $25,000 Details Qualifications Required; Balance: $25,000.00 - $49,999.99; Tier 2: Tier 1 Qualifications Plus 20 Debit Card Transactions Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.30%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $9,999.99; Tier 3: Tier 2 Qualifications Plus an Open Loan Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.25%
Min Balance $50,000 Details Qualifications Required; Balance: $50,000.00 - $99,999.99; Tier 1: Requires eStatements Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.20%
Min Balance $10,000 Details Qualifications Required; Balance: $10,000.00 - $24,999.99; Tier 2: Tier 1 Qualifications Plus 20 Debit Card Transactions Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.10%
Min Balance $25,000 Details Qualifications Required; Balance: $25,000.00 - $49,999.99; Tier 1: Requires eStatements Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	2.05%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $9,999.99; Tier 2: Tier 1 Qualifications Plus 20 Debit Card Transactions Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 2.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	1.95%
Min Balance $10,000 Details Qualifications Required; Balance: $10,000.00 - $24,999.99; Tier 1: Requires eStatements Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 1.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking	-	1.80%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $9,999.99; Tier 1: Requires eStatements Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 1.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking - Standard	-	0.85%
Min Balance $100,000 Details Balance: $100,000.00 and over; Requirements: No Requirements Last Updated 10/29/2026 Rate History No change since Oct 14, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking - Standard	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Requirements: No Requirements Last Updated 10/29/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking - Standard	-	0.45%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Requirements: No Requirements Last Updated 10/29/2026 Rate History No change since Oct 14, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking - Standard	-	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Requirements: No Requirements Last Updated 10/29/2026 Rate History No change since Oct 14, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Power Checking - Standard	-	0.15%
Min Balance $0 Details Balance: $0.00 - $9,999.99; Requirements: No Requirements Last Updated 10/29/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

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)	6.00%	-	6.00%
Details As Low As; Maximum APR: 18.00% Last Updated 10/29/2026 Rate History No change since Oct 14, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 1-48 Months	-	-	5.49%	1-48 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
New Auto Loan - 49-63 Months	-	-	5.74%	49-63 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Used Auto Loan	-	-	5.74%	1-48 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
New Auto Loan - 64-75 Months	-	-	6.24%	64-75 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Used Auto Loan	-	-	6.24%	49-63 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
New Auto Loan - 76-84 Months	-	-	6.74%	76-84 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Used Auto Loan	-	-	6.74%	64-75 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Used Auto Loan	-	-	7.24%	76-84 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Loans (Boats, Campers, and RVs) - 1-63 Months	-	6.74%	1-63 months
Details As Low As; Monthly payment example; Maximum loan amount $150,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Recreational Loans (Boats, Campers, and RVs) - 64-120 Months	-	7.44%	64-120 months
Details As Low As; Monthly payment example; Maximum loan amount $150,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Adventure Loans (ATVs, UTVs, and Motorcycles)	-	7.49%	1-63 months
Details As Low As; Maximum loan amount is $50,000; Monthly payment example Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Recreational Loans (Boats, Campers, and RVs) - 121-180 Months	-	7.74%	121-180 months
Details As Low As; Monthly payment example; Maximum loan amount $150,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Adventure Loans (ATVs, UTVs, and Motorcycles)	-	7.99%	64-75 months
Details As Low As; Maximum loan amount is $50,000; Monthly payment example Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Adventure Loans (ATVs, UTVs, and Motorcycles)	-	9.29%	76-84 months
Details As Low As; Maximum loan amount is $50,000; Monthly payment example Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.29% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Personal Loan Rates

Product	APR	Term	View More
Signature Cash Personal Loan	9.49%
Details As Low As; Maximum loan amount: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Signature Cash Personal Line of Credit	11.49%
Details As Low As; Maximum loan amount: $50,000; Rates are as low as 11.49% APR, Non-Variable; minimum loan amount $250 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Commonwealth Credit Union Frankfort, KY Other Rates

Product	Rate	Points	APY/APR	Term
Certificate - 12 Months	4.169%	-	4.25%	12 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 18 Months	4.218%	-	4.30%	18 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 24 Months	4.266%	-	4.35%	24 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 36 Months	4.314%	-	4.40%	36 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 48 Months	4.362%	-	4.45%	48 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 6 Months	4.073%	-	4.15%	6 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 60 Months	4.41%	-	4.50%	60 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Certificate - 9 Months	4.121%	-	4.20%	9 months
Min Deposit $500 Details Dividend rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
commonWEALTH	0.10%	-	0.10%
Details Checking Account; No minimum balance; Dividend Rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%
Personal Goal Account	0.499%	-	0.50%
Details Dividend Rate as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Commonwealth Credit Union Frankfort, KY’s Texas Ratio rose from 3.35% in Q1 2025 to 5.31% in Q2 2026, so its financial health has held steady at a healthy level over the past 6 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.9B	5.31%	5.0	A+
March 31, 2026	$2.8B	4.07%	5.0	A+
December 31, 2025	$2.7B	4.65%	5.0	A+
September 30, 2025	$2.7B	4.74%	5.0	A+
June 30, 2025	$2.6B	3.62%	5.0	A+
March 31, 2025	$2.6B	3.35%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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

Website https://www.ccuky.org

Address 417 High St, Frankfort, KY 40601

Phone 502-564-4775

Fax

President Randy Fawns

CEO Karen Harbin

Full-Time Employees 374

Part-Time Employees 15

Branch Locations 18

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+ (97/100)

Texas Ratio

5.31%

Return on Assets (ROA)

0.7737%

Return on Equity (ROE)

6.8695%

Non-Performing Loans Ratio (NPL)

0.87%

Total Assets

2,917,913,092

Total Amount of Shares and Deposits

2,569,843,579

Total Shares and Deposits < 1 Year

2,470,156,523

Total Shares and Deposits 1 3 Years

63,774,784

Total Shares and Deposits > 3 Years

35,912,272

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

193,718,885

Total Uninsured Shares and Deposits > $250K (F+J)

193,718,885

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,376,124,694

Total Interest Expense (Sum of items 6 8)

28,853,852

Share Certificates

31,886

Number of Accounts for Share Drafts

87,916

IRA KEOGH Accounts

4,683

Number of Accounts for Regular Shares

234,458

All other shares

1,757

Money Market Shares

4,815

Net Income (unless the amount is already included in Undivided Earnings)

22,576,547

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

295,186,382

Total Liabilities

2,627,881,346

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Commonwealth Credit Union Frankfort, KY earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Commonwealth Credit Union Frankfort, KY

Does Commonwealth Credit Union Frankfort, KY offer CDs?

Yes. Commonwealth Credit Union Frankfort, KY current CD rates include its Grow with Me 12-Month CD at 5.25% APY, its 60 Month CD at 4.50% APY and its 48 Month CD at 4.45% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Commonwealth Credit Union Frankfort, KY NCUA insured?

Yes. Commonwealth Credit Union Frankfort, KY is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Commonwealth Credit Union Frankfort, KY?

The highest Commonwealth Credit Union Frankfort, KY CD rate is its Grow with Me 12-Month CD at 5.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Commonwealth Credit Union Frankfort, KY offer?

Commonwealth Credit Union Frankfort, KY CD rates are 5.25% APY for a 12 month CD, 4.35% APY for a 15 month CD, 4.30% APY for an 18 month CD, 4.35% APY for a 2 year CD, 4.40% APY for a 3 year CD, 4.45% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Commonwealth Credit Union Frankfort, KY for its full lineup.

What is the highest savings rate at Commonwealth Credit Union Frankfort, KY?

The highest Commonwealth Credit Union Frankfort, KY savings rate is its Round UP Savings at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Commonwealth Credit Union Frankfort, KY?

The highest Commonwealth Credit Union Frankfort, KY money market rate is its Business Money Market at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Commonwealth Credit Union Frankfort, KY?

The highest Commonwealth Credit Union Frankfort, KY checking rate is its Power Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Commonwealth Credit Union Frankfort, KY?

The lowest Commonwealth Credit Union Frankfort, KY auto loan rate is its New Auto Loan - 1-48 Months at 5.49% APR, verified by MonitorBankRates as of October 29, 2026. Commonwealth Credit Union Frankfort, KY auto loan rates are 5.49% APR for a 48 month auto loan, 5.74% APR for a 63 month auto loan, 6.24% APR for a 75 month auto loan and 6.74% APR for an 84 month auto loan.

What is the lowest personal loan rate at Commonwealth Credit Union Frankfort, KY?

The lowest Commonwealth Credit Union Frankfort, KY personal loan rate is its Signature Cash Personal Loan at 9.49% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Commonwealth Credit Union Frankfort, KY rates compare?

Commonwealth Credit Union Frankfort, KY's CD rates are 56% higher than the MonitorBankRates national average, and it has an A+ health rating. Commonwealth Credit Union Frankfort, KY's top rates are its Grow with Me 12-Month CD at 5.25% APY, its Round UP Savings at 5.00% APY, its Business Money Market at 3.25% APY, its Power Checking at 3.00% APY and its Signature Cash Personal Loan at 9.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Commonwealth Credit Union Frankfort, KY Rates

12-Month CD4.25%
18-Month CD4.30%
24-Month CD4.35%
60-Month CD4.50%
Savings5.00%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Commonwealth Credit Union Frankfort, KY Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Commonwealth Credit Union Frankfort, KY Texas Ratio

Commonwealth Credit Union Frankfort, KY Health Trend

Commonwealth Credit Union Frankfort, KY CD Rates

Commonwealth Credit Union Frankfort, KY Savings Rates

Commonwealth Credit Union Frankfort, KY Money Market Rates

Commonwealth Credit Union Frankfort, KY Business Money Market Rates

Commonwealth Credit Union Frankfort, KY Checking Rates

Commonwealth Credit Union Frankfort, KY Home Equity & HELOC

Commonwealth Credit Union Frankfort, KY Auto Loan Rates

Commonwealth Credit Union Frankfort, KY RV, Boat and Powersport Loan Rates

Commonwealth Credit Union Frankfort, KY Personal Loan Rates

Commonwealth Credit Union Frankfort, KY Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Commonwealth Credit Union Frankfort, KY earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Commonwealth Credit Union Frankfort, KY

Does Commonwealth Credit Union Frankfort, KY offer CDs?

Are CDs from Commonwealth Credit Union Frankfort, KY NCUA insured?

What is the highest CD rate at Commonwealth Credit Union Frankfort, KY?

What CD terms does Commonwealth Credit Union Frankfort, KY offer?

What is the highest savings rate at Commonwealth Credit Union Frankfort, KY?

What is the highest money market rate at Commonwealth Credit Union Frankfort, KY?

What is the highest checking rate at Commonwealth Credit Union Frankfort, KY?

What is the lowest auto loan rate at Commonwealth Credit Union Frankfort, KY?

What is the lowest personal loan rate at Commonwealth Credit Union Frankfort, KY?

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

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Commonwealth Credit Union Frankfort, KY rates compare?

Current Commonwealth Credit Union Frankfort, KY Rates

Compare to Other Credit Unions