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Kentucky Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Kentucky CD rates include General Electric Credit UnionGeneral Electric Credit Union124 Marshall Ln, Highland Heights, KY 41076 1440A5.0 ★Texas Ratio: 6.01%Real return: +2.19%APY minus CPI (February 2026) offering 6-month intro at 4.99% APY, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900A+5.0 ★Texas Ratio: 1.45%Real return: +1.70%APY minus CPI (February 2026) offering 1 Year Share Certificates at 4.50% APY, Lincoln Bank of HodgenvilleLincoln Bank of Hodgenville41 Lincoln Sq, Hodgenville, KY 42748A+5.0 ★Texas Ratio: 2.54%Real return: +1.55%APY minus CPI (February 2026) offering 18 Month Certificate of Deposit at 4.35% APY, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit Union820 W Broadway, Louisville, KY 40202A+5.0 ★Texas Ratio: 2.88%Real return: +1.53%APY minus CPI (February 2026) offering 6 Month Certificate at 4.33% APY, and Citizens Bank & Trust Company KYCitizens Bank & Trust Company KY201 E Main St, Campbellsville, KY 42718A+5.0 ★Texas Ratio: 2.58%Real return: +1.50%APY minus CPI (February 2026) offering 3 Year Certificate of Deposit at 4.30% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Kentucky side-by-side. Kentucky CD rates currently reach as high as 4.99% APY from General Electric Credit Union at 124 Marshall Ln, Highland Heights, KY 41076 1440. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in Kentucky
Kentucky 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
3 Month CD
$2,500
4.07%
▲ 2.01% above national avg
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 2.01% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5935 Merchants St, Florence, KY 41042 1198
3 Month Certificates
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.59% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
3-Month Certificate
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 3-Month Certificate
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 3-Month Certificate
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
15 George Huser Dr, Ft Wright, KY 41011 2670
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.44% above avg
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
23 W Main St, Taylorsville, KY 40071
91 Day (3 Month) Certificate
$500
3.35%
▲ 1.29% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.29% above avg
Details
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1818 Florence Pike, Burlington, KY 41005
3 Month CD Specials
$2,000
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Penalty: 45 Days; Day/Year: 365/366
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2805 Alexandria Way, Highland Heights, KY 41076
3 Month Certificate
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.69% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
15 Second St, Vanceburg, KY 41179
90 Day Fixed Rate CD
$500
2.70%
▲ 0.64% above national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.64% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
Fixed 3 mo.
$1,000
2.50%
▲ 0.44% above national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1609 Campbell Ln, Bowling Green, KY 42104
3 Month Share Certificate
$500
2.05%
▼ 0.01% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.01% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
500 W New Circle Rd, Lexington, KY 40511
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
90 Day Certificate of Deposit
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
7215 Riverport Plaza Dr, Louisville, KY 40258
90 Day Certificate
$0
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Subject to Change: Weekly
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
820 W Broadway, Louisville, KY 40202
3 Month Certificate
$0
1.50%
▼ 0.56% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.56% below avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts - 3 Month
$0
1.26%
▼ 0.80% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.80% below avg
Details
Balance: 3 Month; Regular Accounts
Citizens National Bank of Lebanon
Institution Rating:
B+4.0 ★Texas Ratio: 0.93%
149 W Main St, Lebanon, KY 40033
3 Month Certificate of Deposit
$0
1.10%
▼ 0.96% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.96% below avg
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Month Jumbo Certificate
$100,000
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.06% below avg
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
1207 Ashley Cir, Bowling Green, KY 42104 3383
90 Day Certificate
$500
0.50%
▼ 1.56% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.56% below avg
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Month Certificate
$500
0.35%
▼ 1.71% below national avg
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.71% below avg
Details
Murray Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.52%
405 S 12th St, Murray, KY 42071
3 Month Certificate of Deposit
$1,000
0.30%
▼ 1.76% below national avg
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.76% below avg
Details
Compound Frequency: At Maturity; Early Withdrawal Penalty: 1 Month
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2557 Sir Barton Way, Lexington, KY 40509
3 Month Certificate Accounts
$0
0.25%
▼ 1.81% below national avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.81% below avg
Details
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
3 MONTH CD
$500
0.15%
▼ 1.91% below national avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.91% below avg
Details
Published APY range: .10-.15%. Jumbo Rate
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
3 MONTH CD
$500
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Published APY range: .10-.15%.
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
2441 Greensburg Rd, Buffalo, KY 42716
3 Month Certificate of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.96% below avg
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
3 Month Certificates of Deposit (CDs)
$1,000
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.96% below avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
IRA Fixed 3 mo.
$100
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Kentucky 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
6-month intro
$0
4.99%
▲ 2.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 2.22% above avg
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
6 Month Share Certificates
$0
4.50%
▲ 1.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.73% above avg
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
820 W Broadway, Louisville, KY 40202
6 Month Certificate
$0
4.33%
▲ 1.56% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.56% above avg
Details
UCB of West Kentucky
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
500 N Morgan St, Morganfield, KY 42437
6-Month CD
$500
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details
Special CD rates for a limited time. Available September 14-30, 2026 at all United Community Bank locations.
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
2175 Bypass Rd, Brandenburg, KY 40108
6-Month CD
$0
4.10%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.33% above avg
Details
APY is accurate as of 6/30/2026. CD is automatically renewed for the same term. You will have ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty. The CD will be renewed at the rate in effect at Meade County Bank on the maturity date. Offer is subject to change at any time. Fees could reduce earnings. Visit your local branch to open an account today.
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
6 Month CD
$2,500
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.30% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts - 6 Month
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.29% above avg
Details
Balance: 6 Month; Regular Accounts
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
1 Quality St, Lexington, KY 40507 1428
6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
1 Quality St, Lexington, KY 40507 1428
6 Month Traditional Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
761 Corporate Dr, Lexington, KY 40503
6-Month CD
$500
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
APY is accurate as of 7/23/2026. Offer is subject to change at any time. Interest is compounded daily. A penalty can occur for early withdrawal. Special CD rates are effective for the initial term only. CD will automatically renew at the base non-special rate in effect at maturity for the corresponding original term. Ask about additional terms and conditions. *Fees may reduce earnings.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
6 Month Certificates of Deposit
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
CD - Certificates of Deposit - 6 Month
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
6 Month CD - Certificates of Deposit
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
6 Month Certificates of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
CD - Certificates of Deposit - 6 Month
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
Certificates of Deposit - 6 Month
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Commonwealth Community Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
78 E Main St, Fordsville, KY 42343
6 Month CD Special
$5,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.03% above avg
Details
LIMITED TIME ONLY
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
6 Month IRA Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
6 Month Share Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
6 Month Certificates of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
CD - Certificates of Deposit - 6 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5935 Merchants St, Florence, KY 41042 1198
6 Month Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
15 George Huser Dr, Ft Wright, KY 41011 2670
6 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
6-Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 6-Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 6-Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate - 6 months
$2,500
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 6 months
$2,500
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
6 Month Business Share Certificate
$35,000
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$35,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Jumbo CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
6 Month Jumbo Share Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4885 Houston Rd, Florence, KY 41042 4894
6 Month Certificate of Deposit Accounts
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
6 Month Certificates of Deposit (CDs)
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
6 Month Share Certificates
$0
3.49%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.72% above avg
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 6-Months
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
6 Month Business Share Certificate
$2,500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Standard CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
6 Month Standard Share Certificates
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
Fixed 6 mo.
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Murray Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.52%
405 S 12th St, Murray, KY 42071
6 Month Certificate of Deposit
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.48% above avg
Details
Compound Frequency: At Maturity; Early Withdrawal Penalty: 3 Month
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
Share Certificate 6 Month
$500
3.09%
▲ 0.32% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.32% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
6 Month Certificate
$0
3.02%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.25% above avg
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
7215 Riverport Plaza Dr, Louisville, KY 40258
6 month Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details
Subject to Change: Weekly
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
6 Month Certificate
$1,000
2.75%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.02% below avg
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2501 Broadway St, Paducah, KY 42001 3124
IRA Share Certificate - 6 Month
$500
2.75%
▼ 0.02% below national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.02% below avg
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2501 Broadway St, Paducah, KY 42001 3124
Share Certificate - 6 Month
$500
2.75%
▼ 0.02% below national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.02% below avg
Details
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2805 Alexandria Way, Highland Heights, KY 41076
6 Month Certificate
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.02% below avg
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6101 Fern Valley Rd, Louisville, KY 40228
6 month IRA Certificate
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.02% below avg
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6101 Fern Valley Rd, Louisville, KY 40228
6-Month Term
$500
2.75%
▼ 0.02% below national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.02% below avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
15 Second St, Vanceburg, KY 41179
6 Month Fixed Rate CD
$500
2.70%
▼ 0.07% below national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
Kentucky 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
1 Year Share Certificates
$0
4.50%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
1 YEAR CD
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
761 Corporate Dr, Lexington, KY 40503
12-Month CD
$500
4.25%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.30% above avg
Details
APY is accurate as of 7/23/2026. Offer is subject to change at any time. Interest is compounded daily. A penalty can occur for early withdrawal. Special CD rates are effective for the initial term only. CD will automatically renew at the base non-special rate in effect at maturity for the corresponding original term. Ask about additional terms and conditions. *Fees may reduce earnings.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
12 Month Certificates of Deposit (CDs)
$1,000
4.20%
▲ 1.25% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.25% above avg
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
12-month CD
$1,000
4.20%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.25% above avg
Details
Limited-time offer. New money deposits only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 8/10/26 and is subject to change on the Bank's discretion.
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
7079 State Route 56 E, Sebree, KY 42455
12-month CD
$0
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.20% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
12 Month Certificate of Deposit
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
12 Month Individual Retirement Account (IRA)
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
**
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
1 Year Certificate of Deposit
$500
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
CD Management Account (1 year -variable rate)
$2,500
3.96%
▲ 1.01% above national avg
▼
Rate3.88%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.01% above avg
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
221 W 5th St, Benton, KY 42025
12-MONTH IRA (VARIABLE)
$25
3.95%
▲ 1.00% above national avg
▼
Rate3.91%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
424 Park Pl, Lexington, KY 40511 1829
1 Year Certificate
$1,000
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
35 US Highway 68 E, Benton, KY 42025
12 Month CD Special
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Earn 3.90% APY for 12 Months With Our CD Special! Visit our Calvert City or Draffenville Branches to take advantage of this limited-time offer!
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
35 US Highway 68 E, Benton, KY 42025
12 Month Share certificate
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
No Risk, Just Great Rates. Safely grow your money by opening or renewing a Share certificate and receive 3.90% APY for 12 months with a $1,000 minimum deposit!
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
35 US Highway 68 E, Benton, KY 42025
12-Month CD
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
12 Month IRA Certificate
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
12 Month Share Certificate
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
First State Bank Irvington, KY
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
240 N 1st St, Irvington, KY 40146
12-Month CD
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.90% above avg
Details
APY is accurate as of 6/16/2026. The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. CD is automatically renewed for the same term. You will have ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty. The CD will be renewed at the rate in effect at First State Bank on the maturity date. Offer is subject to change at any time. * Fees could reduce earnings. Visit your local branch to open an account today.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4885 Houston Rd, Florence, KY 41042 4894
12 Month Certificate of Deposit Accounts
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4885 Houston Rd, Florence, KY 41042 4894
12 Month IRA CD
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts - 12 Month
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Balance: 12 Month; Regular Accounts
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
23 W Main St, Taylorsville, KY 40071
13 Month (1 Year, 1 Month) Certificate
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.87% above avg
Details
Term: 13 Month (1 Year, 1 Month)
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2500 Lone Oak Rd, Paducah, KY 42003 8004
12 Month Certificate
$0
3.82%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2500 Lone Oak Rd, Paducah, KY 42003 8004
12 Month IRA Certificate
$0
3.82%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate - 12 months
$2,500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 12 months
$2,500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
Bank of Clarkson
Institution Rating:
A5.0 ★Texas Ratio: 12.34%
101 E Main St, Clarkson, KY 42726
12-Month CD
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. APY is accurate as of 6/16/2026. CD is automatically renewed for the same term. You will have ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty. The CD will be renewed at the rate in effect at Bank of Clarkson on the maturity date. Offer is subject to change at any time. * Fees could reduce earnings. Visit your local branch to open an account today.
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
12 Month Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
1-Year Jumbo Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 1-Year Jumbo Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Jumbo Certificate - 1-Year
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
12 Month CD
$2,500
3.78%
▲ 0.83% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.83% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
Fixed 12 mo.
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
IRA Fixed 12 mo.
$100
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5935 Merchants St, Florence, KY 41042 1198
12 Month Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2555 Us 41 N, Henderson, KY 42420
1 Year CD
$500
3.73%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.78% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
1-Year Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 1-Year Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 1-Year Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 12-Months
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.70% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
15 George Huser Dr, Ft Wright, KY 41011 2670
12 Month Certificate
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
12 Month CD Monthly
$500
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.61% above avg
Details
Monthly Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
12 Month CD Quarterly
$500
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.60% above avg
Details
Quarterly Payout
Commonwealth Community Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
78 E Main St, Fordsville, KY 42343
12 Month Certificate Special
$5,000
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.60% above avg
Details
LIMITED TIME ONLY
Citizens National Bank of Lebanon
Institution Rating:
B+4.0 ★Texas Ratio: 0.93%
149 W Main St, Lebanon, KY 40033
12 Month C.D.
$0
3.53%
▲ 0.58% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.58% above avg
Details
NEW!
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
12 Month CD Semi-Annually
$500
3.53%
▲ 0.58% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.58% above avg
Details
Semi-Annually Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
12 Month CD
$500
3.50%
▲ 0.55% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.55% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
12 Month Business Share Certificate
$35,000
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$35,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Jumbo CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
12 Month Jumbo Share Certificates
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 12 Month
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Jumbo Dividend Rate: 3.445%; Jumbo APY: 3.50%
Kentucky 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
41 Lincoln Sq, Hodgenville, KY 42748
18 Month Certificate of Deposit
$500
4.35%
▲ 1.53% above national avg
▼
Rate4.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.53% above avg
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
41 Lincoln Sq, Hodgenville, KY 42748
18 Month IRA Certificate of Deposit
$500
4.35%
▲ 1.53% above national avg
▼
Rate4.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.53% above avg
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
41 Lincoln Sq, Hodgenville, KY 42748
18 Month IRA Variable Certificate of Deposit
$500
4.35%
▲ 1.53% above national avg
▼
Rate4.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.53% above avg
Details
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
18 Month Certificate of Deposit
$500
4.21%
▲ 1.39% above national avg
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.39% above avg
Details
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
3151 Parisa Dr, Paducah, KY 42003
18-Month CD
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
CD 18 MONTH
$500
4.05%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.23% above avg
Details
Published APY range: 4.05-4.25%.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
18-Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 18-Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 18-Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
CESA 18 MONTHS
$100
3.94%
▲ 1.12% above national avg
▼
Rate3.94%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.12% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
18 Month IRA Certificate
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
18 Month Share Certificate
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+4.9 ★Texas Ratio: 2.62%
118 S Main St, Leitchfield, KY 42754
18 Month IRA (Variable Rate)
$0
3.88%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.06% above avg
Details
Variable Rate**
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate - 18 months
$500
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.00% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 18 months
$500
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.00% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5935 Merchants St, Florence, KY 41042 1198
18 Month Certificates
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
Fixed 18 mo.
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
IRA Fixed 18 mo.
$100
3.75%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
18 Month Jumbo Share Certificates
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 18-Months
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2555 Us 41 N, Henderson, KY 42420
18 Month CD
$500
3.51%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.69% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
18 Month Business Share Certificate
$35,000
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$35,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Jumbo CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
18 Month Standard Share Certificates
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts - 18 Month
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Balance: 18 Month; Regular Accounts
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
503 W Main St, Morehead, KY 40351 1539
Share Certificate (18 month)
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.67% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
18 Month Certificate of Deposit
$0
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.58% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
18 Month Individual Retirement Account (IRA)
$0
3.40%
▲ 0.58% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.58% above avg
Details
**
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
18 Month CD Monthly
$500
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.48% above avg
Details
Monthly Payout
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1609 Campbell Ln, Bowling Green, KY 42104
18 Month Share Certificate
$500
3.30%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.48% above avg
Details
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
18 Month CD Quarterly
$500
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Quarterly Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
18 Month CD Semi-Annually
$500
3.28%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.46% above avg
Details
Semi-Annually Payout
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
18 Month CD - Certificates of Deposit
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
18 Month Certificates of Deposit
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
CD - Certificates of Deposit - 18 Month
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
Certificates of Deposit - 18 Month
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
18 Month Certificate
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
18 Month Business Share Certificate
$2,500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Standard CD
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
7215 Riverport Plaza Dr, Louisville, KY 40258
18 month Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Subject to Change: Weekly
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 18 Month
$500
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.42% above avg
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
Share Certificate 18 Month
$500
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.42% above avg
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
18 Month Share Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.42% above avg
Details
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2805 Alexandria Way, Highland Heights, KY 41076
18 Month Certificate
$0
3.00%
▲ 0.18% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.18% above avg
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6101 Fern Valley Rd, Louisville, KY 40228
18 month IRA Certificate
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.18% above avg
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6101 Fern Valley Rd, Louisville, KY 40228
18-Month Term
$500
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.18% above avg
Details
Murray Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.52%
405 S 12th St, Murray, KY 42071
18 Month Fixed
$0
2.90%
▲ 0.08% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.08% above avg
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1315 CANNONSBURG RD, ASHLAND, KY 41102
Share Certificate 18 Month
$0
2.89%
▲ 0.07% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.07% above avg
Details
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
433 Madison Ave, Covington, KY 41011
18 Month Certificate
$0
2.85%
▲ 0.03% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.03% above avg
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
1207 Ashley Cir, Bowling Green, KY 42104 3383
18 Month Certificate
$500
2.80%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.02% below avg
Details
Sacramento Deposit Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
335 Main St, Sacramento, KY 42372
18 Month CD
$0
2.68%
▼ 0.14% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▼ 0.14% below avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
IRA - Individual Retirement Accounts - 18-Month
$1,000
2.65%
▼ 0.17% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.17% below avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Kentucky 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
2 Year Certificate of Deposit
$500
4.25%
▲ 1.41% above national avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month Certificate
$0
4.07%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.23% above avg
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month IRA Certificate
$0
4.07%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.23% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
2-Year Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
2-Year Jumbo Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 2-Year Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 2-Year Jumbo Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 2-Year Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Jumbo Certificate - 2-Year
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
24 Month IRA Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
24 Month Share Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
24 Month Certificate of Deposit
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
24 Month Individual Retirement Account (IRA)
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
**
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5935 Merchants St, Florence, KY 41042 1198
24 Month Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate - 24 months
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.98% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 24 months
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.98% above avg
Details
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
24 Month CD
$500
3.78%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.94% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
IRA Fixed 24 mo.
$100
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
2441 Greensburg Rd, Buffalo, KY 42716
24 Month Certificate of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
24 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
24 Month Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
CD - Certificates of Deposit - 24 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
Certificates of Deposit - 24 Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
IRA - Individual Retirement Accounts - 24-Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
15 George Huser Dr, Ft Wright, KY 41011 2670
24 Month Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month Business Share Certificate
$35,000
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Jumbo CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month Jumbo Share Certificates
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 24 Month
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Jumbo Dividend Rate: 3.540%; Jumbo APY: 3.60%
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
Fixed 24 mo.
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
1306 VERSAILLES RD STE 140, Lexington, KY 40504 1795
2 Year Youth Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Term: 2 Year Youth Certificate
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2555 Us 41 N, Henderson, KY 42420
2 Year CD
$500
3.38%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.54% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month Business Share Certificate
$2,500
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Standard CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month Standard Share Certificates
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 24 Month
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Jumbo Dividend Rate: 3.540%; Jumbo APY: 3.60%
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 24-Months
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 24 Month
$500
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.50% above avg
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
Share Certificate 24 Month
$500
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.50% above avg
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1609 Campbell Ln, Bowling Green, KY 42104
24 Month Share Certificate
$500
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4885 Houston Rd, Florence, KY 41042 4894
24 Month Certificate of Deposit Accounts
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4885 Houston Rd, Florence, KY 41042 4894
24 Month IRA CD
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Commonwealth Community Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
78 E Main St, Fordsville, KY 42343
24 Month Certificate Special
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.45% above avg
Details
LIMITED TIME ONLY
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
424 Park Pl, Lexington, KY 40511 1829
2 Year Certificate
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.45% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
24 Month Certificate
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.45% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts - 24 Month
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.45% above avg
Details
Balance: 24 Month; Regular Accounts
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
41 Lincoln Sq, Hodgenville, KY 42748
24 Month Certificate of Deposit
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.41% above avg
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
41 Lincoln Sq, Hodgenville, KY 42748
24 Month IRA Certificate of Deposit
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.41% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
2 Year Certificate
$1,000
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
2 Year Share Certificates
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
7215 Riverport Plaza Dr, Louisville, KY 40258
24 month Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Subject to Change: Weekly
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
24 Month Share Certificates
$0
3.24%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.40% above avg
Details
Kentucky 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
3 Year Certificate of Deposit
$500
4.30%
▲ 1.54% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.54% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
36 Month IRA Certificate
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
36 Month Share Certificate
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
CESA 3 YEAR
$100
4.04%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.28% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5935 Merchants St, Florence, KY 41042 1198
36 Month Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate - 36 months
$500
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.06% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 36 months
$500
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.06% above avg
Details
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
36 Month CD
$500
3.78%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.02% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
IRA Fixed 36 mo.
$100
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
36 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
36 Month Certificates of Deposit
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
CD - Certificates of Deposit - 36 Month
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
Certificates of Deposit - 36 Month
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
IRA - Individual Retirement Accounts - 36-Month
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Jumbo Share Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Share Certificates with Rate Bump Option
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 36 Month
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Jumbo Dividend Rate: 3.690%; Jumbo APY: 3.75%
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
15 George Huser Dr, Ft Wright, KY 41011 2670
36 Month Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Business Share Certificate
$35,000
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Jumbo CD
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
Fixed 36 mo.
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
2441 Greensburg Rd, Buffalo, KY 42716
36 Month Certificate of Deposit
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
41 Lincoln Sq, Hodgenville, KY 42748
36 Month Certificate of Deposit
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
41 Lincoln Sq, Hodgenville, KY 42748
36 Month IRA Certificate of Deposit
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Share Certificates with Rate Bump Option
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Jumbo Dividend Rate: 3.690%; Jumbo APY: 3.75%; Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Standard Share Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 36 Month
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Jumbo Dividend Rate: 3.690%; Jumbo APY: 3.75%
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2555 Us 41 N, Henderson, KY 42420
3 Year CD
$500
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.59% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Business Share Certificate
$2,500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Standard CD
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 36-Months
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
3 Year Share Certificates
$0
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
36 Month Certificate of Deposit
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
36 Month Individual Retirement Account (IRA)
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
**
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1609 Campbell Ln, Bowling Green, KY 42104
36 Month Share Certificate
$500
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
36 Month Certificate
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.53% above avg
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 36 Month
$500
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.53% above avg
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
Share Certificate 36 Month
$500
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.53% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts - 36 Month
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.53% above avg
Details
Balance: 36 Month; Regular Accounts
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
3 Year Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.49% above avg
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
36 Month Share Certificates
$0
3.24%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.48% above avg
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1315 CANNONSBURG RD, ASHLAND, KY 41102
Share Certificate 36 Month
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
3-Year Certificate
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.39% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 3-Year Certificate
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.39% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 3-Year Certificate
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.39% above avg
Details
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
36 Month CD Monthly
$500
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.38% above avg
Details
Monthly Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
36 Month CD Quarterly
$500
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.38% above avg
Details
Quarterly Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
36 Month CD Semi-Annually
$500
3.12%
▲ 0.36% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.36% above avg
Details
Semi-Annually Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
36 Month CD
$500
3.10%
▲ 0.34% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.34% above avg
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
7215 Riverport Plaza Dr, Louisville, KY 40258
36 month Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Subject to Change: Weekly
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
820 W Broadway, Louisville, KY 40202
3 Year Certificate
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.28% above avg
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
424 Park Pl, Lexington, KY 40511 1829
3 Year Certificate
$1,000
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.27% above avg
Details
Kentucky 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
4 Year Certificate of Deposit
$500
4.30%
▲ 1.53% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.53% above avg
Details
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
CESA 4 YEAR
$100
4.09%
▲ 1.32% above national avg
▼
Rate4.09%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.32% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
48 Month IRA Certificate
$1,000
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
48 Month Share Certificate
$1,000
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5935 Merchants St, Florence, KY 41042 1198
48 Month Certificates
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate - 48 months
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 48 months
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
15 George Huser Dr, Ft Wright, KY 41011 2670
48 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
IRA Fixed 48 mo.
$100
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
48 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
48 Month Certificates of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
CD - Certificates of Deposit - 48 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
Certificates of Deposit - 48 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
IRA - Individual Retirement Accounts - 48-Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
48 Month CD
$500
3.68%
▲ 0.91% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.91% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Business Share Certificate
$35,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Jumbo CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Jumbo Share Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 48 Month
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Jumbo Dividend Rate: 3.540%; Jumbo APY: 3.60%
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
Fixed 48 mo.
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts - 48 Month
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: 48 Month; Regular Accounts
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
4 Year Share Certificates
$0
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
48 Month Certificate
$0
3.39%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.62% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Business Share Certificate
$2,500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Standard CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Share Certificates with Rate Bump Option
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Standard Share Certificates
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 48 Month
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Jumbo Dividend Rate: 3.540%; Jumbo APY: 3.60%
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 48-Months
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2555 Us 41 N, Henderson, KY 42420
4 Year CD
$500
3.31%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.54% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
48 Month Certificate of Deposit
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
48 Month Individual Retirement Account (IRA)
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
**
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
820 W Broadway, Louisville, KY 40202
4 Year Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1315 CANNONSBURG RD, ASHLAND, KY 41102
Share Certificate 48 Month
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
48 Month CD Monthly
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.48% above avg
Details
Monthly Payout
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
4 Year Certificate
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.48% above avg
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
1207 Ashley Cir, Bowling Green, KY 42104 3383
4 Year Certificate
$500
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
48 Month CD Quarterly
$500
3.24%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.47% above avg
Details
Quarterly Payout
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
503 W Main St, Morehead, KY 40351 1539
Share Certificate (48 month)
$0
3.24%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.47% above avg
Details
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
48 Month CD Semi-Annually
$500
3.23%
▲ 0.46% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.46% above avg
Details
Semi-Annually Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
48 Month CD
$500
3.20%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.43% above avg
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1609 Campbell Ln, Bowling Green, KY 42104
48 Month Share Certificate
$500
3.15%
▲ 0.38% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.38% above avg
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 48 Month
$500
3.13%
▲ 0.36% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.36% above avg
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
Share Certificate 48 Month
$500
3.13%
▲ 0.36% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.36% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Share Certificates with Rate Bump Option
$0
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details
Jumbo Dividend Rate: 3.300%; Jumbo APY: 3.35%; Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
7215 Riverport Plaza Dr, Louisville, KY 40258
48 month Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details
Subject to Change: Weekly
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
433 Madison Ave, Covington, KY 41011
48 Month Certificate
$0
2.95%
▲ 0.18% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.18% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
15 Second St, Vanceburg, KY 41179
4 Year Fixed Rate CD
$500
2.85%
▲ 0.08% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
15 Second St, Vanceburg, KY 41179
4 Year IRA Certificate
$500
2.85%
▲ 0.08% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6101 Fern Valley Rd, Louisville, KY 40228
48 month IRA Certificate
$0
2.80%
▲ 0.03% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.03% above avg
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6101 Fern Valley Rd, Louisville, KY 40228
48 Month Term
$500
2.80%
▲ 0.03% above national avg
▼
Rate2.76%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.03% above avg
Details
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
1306 VERSAILLES RD STE 140, Lexington, KY 40504 1795
4 Year Share Certificate
$0
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.01% above avg
Details
Kentucky 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
5 Year Certificate of Deposit
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.46% above avg
Details
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
CESA 5 YEAR
$100
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
60 Month Bump Up Share Certificate
$5,000
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.21% above avg
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3620 Fern Valley Rd, Louisville, KY 40219 1917
60 Month Bump-Up Share Certificate
$5,000
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.21% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5935 Merchants St, Florence, KY 41042 1198
60 Month Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate - 60 months
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.98% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 60 months
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.98% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
15 George Huser Dr, Ft Wright, KY 41011 2670
60 Month Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
Fixed 60 mo.
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1021 S Main St, Hartford, KY 42347
IRA Fixed 60 mo.
$100
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
60 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
60 Month Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
CD - Certificates of Deposit - 60 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
Certificates of Deposit - 60 Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
IRA - Individual Retirement Accounts - 60-Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Business Share Certificate
$35,000
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$35,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Jumbo CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Jumbo Share Certificates
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 60 Month
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Jumbo Dividend Rate: 3.640%; Jumbo APY: 3.70%
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
60 Month CD
$500
3.68%
▲ 0.84% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.84% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
5 Year Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
5 Year IRA (Traditional/Roth)
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
IRA share certificates have a minimum balance of $1,000.00 and are available in terms 6 months thru 5 years.
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 60-Months
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
5 Year Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts - 60 Month
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: 60 Month; Regular Accounts
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
60 Month Certificate
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.65% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Business Share Certificate
$2,500
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Standard CD
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Share Certificates with Rate Bump Option
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Standard Share Certificates
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 60 Month
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Jumbo Dividend Rate: 3.640%; Jumbo APY: 3.70%
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1315 CANNONSBURG RD, ASHLAND, KY 41102
Share Certificate 60 Month
$0
3.41%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.57% above avg
Details
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
60 Month CD Monthly
$500
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.51% above avg
Details
Monthly Payout
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
1207 Ashley Cir, Bowling Green, KY 42104 3383
5 Year Certificate
$500
3.35%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
60 Month CD Quarterly
$500
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.50% above avg
Details
Quarterly Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
60 Month CD Semi-Annually
$500
3.33%
▲ 0.49% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.49% above avg
Details
Semi-Annually Payout
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
109 S Main St, Brownsville, KY 42210
60 Month CD
$500
3.30%
▲ 0.46% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2555 Us 41 N, Henderson, KY 42420
5 Year CD
$500
3.29%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.45% above avg
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
2441 Greensburg Rd, Buffalo, KY 42716
60 Month Certificate of Deposit
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.41% above avg
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Share Certificates with Rate Bump Option
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
Jumbo Dividend Rate: 3.400%; Jumbo APY: 3.45%; Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 60 Month
$500
3.18%
▲ 0.34% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.34% above avg
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7910 National Tpke, Louisville, KY 40214
Share Certificate 60 Month
$500
3.18%
▲ 0.34% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.34% above avg
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1609 Campbell Ln, Bowling Green, KY 42104
60 Month Share Certificate
$500
3.15%
▲ 0.31% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4885 Houston Rd, Florence, KY 41042 4894
60 Month Certificate of Deposit Accounts
$0
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4885 Houston Rd, Florence, KY 41042 4894
60 Month IRA CD
$0
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
60 Month Certificate of Deposit
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
531 Lovers Ln, Bowling Green, KY 42103
60 Month Individual Retirement Account (IRA)
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
**
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
5-Year Certificate
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.21% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 5-Year Certificate
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.21% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 5-Year Certificate
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.21% above avg
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
7215 Riverport Plaza Dr, Louisville, KY 40258
60 month Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% above avg
Details
Subject to Change: Weekly
First Guaranty Bank
Institution Rating:
C3.7 ★Texas Ratio: 26.90%
15 Second St, Vanceburg, KY 41179
5 Year Fixed Rate CD
$500
2.95%
▲ 0.11% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.11% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Kentucky CD Rate Trends
Compare local Kentucky CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD KY Avg
2.952%
▲ 0.030 vs 7 days ago
Kentucky 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD KY Avg
2.767%
▲ 0.021 vs 7 days ago
Kentucky 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
KY CD Rate Forecast, Next 12 Months
Where are Kentucky CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KY 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
What Your Savings Earn at KY CD Rates Today
Annual interest earnings at today’s Kentucky average APYs. State average used where available; national average as fallback.
| CD Term | KY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
Sample CD Ladder for Kentucky Savers
$25,000 split equally across 5 terms using today’s Kentucky average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | KY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Kentucky average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
571
CD Rates
Tracked in Kentucky
Tracked in Kentucky
38 Banks
34 Credit Unions
About Our Kentucky CD Rate Database
MonitorBankRates tracks 571 CD rates from 38 banks and 34 credit unions with locations in Kentucky, plus national online institutions available to Kentucky residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: General Electric Credit Union offers a CD at 4.99% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Kentucky.
How to Find the Best CD Rates in Kentucky
What to compare when shopping for a CD in Kentucky
To find the best APYs in Kentucky, start with credit unions and online-only banks: Kentucky has 34 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Kentucky
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Kentucky: 72 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Kentucky savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Kentucky money market rates
Kentucky Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.3%
National avg: 17.3%
Median Individual Earnings
$40,635
National avg: $47,340
Poverty Rate
16.1%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$120/yr
At KY 12-mo avg 2.952% APY
17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s KY 12-month CD average of 2.952%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $120 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Kentucky
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Kentucky
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Kentucky typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Kentucky as everywhere in the U.S.
Choosing a CD Term in Kentucky
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Kentucky savers easier access to their funds. For example, General Electric Credit Union is offering its 6-month intro at 4.99% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Citizens Bank & Trust Company KY is offering its 5 Year Certificate of Deposit at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Kentucky Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Kentucky saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Kentucky
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Kentucky CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Kentucky
Most CDs carry a fixed rate that is locked for the entire term, protecting a Kentucky depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Kentucky
Are CD rates in Kentucky FDIC insured?
Yes, most established banks in Kentucky are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Kentucky?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Kentucky.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Kentucky may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Kentucky?
Here are recent top rates found for this area:
- General Electric Credit Union: 4.99% APY (6-month intro)
- Louisville Federal Credit Union: 4.50% APY (1 Year Share Certificates)
- Lincoln Bank of Hodgenville: 4.35% APY (18 Month Certificate of Deposit)
- Louisville Gas & Electric Company Credit Union: 4.33% APY (6 Month Certificate)
- Citizens Bank & Trust Company KY: 4.30% APY (3 Year Certificate of Deposit)
- PBT Bancorp: 4.25% APY (1 YEAR CD)
- UCB of West Kentucky: 4.25% APY (6-Month CD)
- Bank of Lexington: 4.25% APY (12-Month CD)
- Eclipse Bank: 4.20% APY (12 Month Certificates of Deposit (CDs))
- Banterra Bank: 4.15% APY (18-Month CD)
Rates reflect recent verified offers available in Kentucky. Last Updated: September 21, 2026
Kentucky CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Kentucky rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Kentucky
Kentucky CD Calculator
At today’s KY top rate of 4.99% APY, a $10,000 deposit earns $499 in the first year. Enter your amount to see your exact return.
Kentucky CD LadderKY CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Kentucky CD at 4.99% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsKentucky’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kentucky CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Kentucky directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Kentucky. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in KY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 21, 2026
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