CD Rates Kentucky (KY) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY417 High St, Frankfort, KY 40601A+5.0 ★Texas Ratio: 2.66%Real return: +2.25%APY minus CPI (February 2026) offering Grow with Me 12-Month Certificate at 5.05% APY, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900A+5.0 ★Texas Ratio: 1.06%Real return: +1.70%APY minus CPI (February 2026) offering 6 Mo. Share Certificate at 4.50% APY, CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY 40219 1917A+5.0 ★Texas Ratio: 0.00%Real return: +1.50%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.30% APY, American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.531 Lovers Ln, Bowling Green, KY 42103A+5.0 ★Texas Ratio: 1.55%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.10% APY, and C-Plant Federal Credit UnionC-Plant Federal Credit Union2500 Lone Oak Rd, Paducah, KY 42003 8004A+5.0 ★Texas Ratio: 1.15%Real return: +1.27%APY minus CPI (February 2026) offering 24 Month Certificate at 4.07% APY. CD rates as of April 22, 2026 according to verified data from MonitorBankRates.
We compared 385 CD rates from 48 banks and credit unions available in Kentucky to help you find the best bank CD rates and credit union CD rates across all terms.
Use the tables below to compare CD rates across all terms in Kentucky side-by-side. Kentucky CD rates currently reach as high as 5.05% APY from Commonwealth Credit Union Frankfort, KY at 417 High St, Frankfort, KY 40601. Rates are continually updated — 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: April 22, 2026
Compare Best CD Rates in Kentucky
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
91 Day (3 Month) Certificates of Deposit & Individual Retirement Account
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
3 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
3-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
90 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Month Jumbo Certificate
$100,000
1.00%
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
3 months CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
3 Month Certificates of Deposits
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
3 Month CD
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
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: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
6 Mo. Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
6 months Certificate
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
New money only, not funds currently on deposit with Commonwealth Credit Union
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 6 month
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
2175 Bypass Rd, Brandenburg, KY 40108
6-month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY 40507 1428
6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$1,000
4.00%
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3151 Parisa Dr, Paducah, KY 42003
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Grow your savings with confidence. Banterra's 6?month CD rate special offers a 3.80% APY, helping your money work harder for what matters most.
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1595 Veterans Memorial Hwy, Scottsville, KY 42164
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
6 Month Share Certificates
$0
3.74%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
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
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
6 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
6-Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Standard Share Certificates 6 Month
$35,000
3.55%
▼
Rate3.49%
Min Deposit$35,000
Min Balance—
UpdatedApr 22, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
6-month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
New Money Only
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificates 6 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
6 Month Certificates of Deposits
$1,000
3.25%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
Share and IRA Certificates 6 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
6 month CD
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
6 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
6 month IRA Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
6 months CD
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
180 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
6 Months Savings & IRA Certificates
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
6 Month Fixed Rate Jumbo IRA
$100,000
1.51%
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY 42104 3383
DreamBuilder 6 Month Certificate
$100
0.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY 42351 7082
6 Month Share Certificate
$0
0.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
182 Day (6 Month) Certificates of Deposit & Individual Retirement Account
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Grow with Me 12-Month Certificate
$0
5.05%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
This account is available only for members under 18 years of age. Accounts may be opened between October 1 and October 31 each year.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 12 Month
$1,000
4.30%
▼
Rate4.22%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
12 Month Certificate of Deposit
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
1 Year Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
7079 State Route 56 E, Sebree, KY 42455
12-Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First State Bank Irvington, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
240 N 1st St, Irvington, KY 40146
12-month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY 42003 8004
12 Month Certificate
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
1-Year Jumbo Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
12 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
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
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3151 Parisa Dr, Paducah, KY 42003
12-Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Annual Percentage Yield accurate as of 4/14/2026. Terms and conditions apply.
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
12 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
12 Month CD Monthly
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Standard Share Certificates 12 Month
$35,000
3.50%
▼
Rate3.44%
Min Deposit$35,000
Min Balance—
UpdatedApr 22, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
12 Month Share Certificates
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
IRA Share Certificate (12-month)
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
13 Month (1 Year, 1 Month) Certificates of Deposit & Individual Retirement Account
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificates 12 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
1 Year CD
$500
3.28%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
$500 minimum to open.
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
IRA 12 Month Fixed
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
Share and IRA Certificates 12 Month
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
131 Gold Vault Rd, Fort Knox, KY 40121
Certificate of Deposit 12 months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
12 Month CD
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
12 months CD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
IRA Certificates 12 Months
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
12 Month Certificate of Deposit
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
12 month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY 40507 1428
1 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$1,000
2.40%
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
12 Months Savings & IRA Certificates
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
1 Year Fixed Rate Jumbo IRA
$100,000
1.75%
▼
Rate1.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Hindman
Institution Rating:
B-4.4 ★Texas Ratio: 22.36%
1362 Hindman Byp, Hindman, KY 41822
IRA 1 Year
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
113 Main St, Salt Lick, KY 40371
12 Month Fixed IRA
$50
1.00%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 22, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY 42351 7082
12 Month Share Certificate
$0
0.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
12 Month Certificate of Deposit
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
12 Month Certificate of Deposit
$1,000
0.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Regular Certificates 12 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
18 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
18 Month IRA (Variable Rate)**
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
18 months Certificate
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
18 Month CD
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Standard Share Certificates 18 Month
$35,000
3.50%
▼
Rate3.44%
Min Deposit$35,000
Min Balance—
UpdatedApr 22, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 18 Month
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
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
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
18-Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
18 Month Certificate of Deposit
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
18 Month CD Monthly
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificates 18 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
18 Month Share Certificates
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
IRA 18 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
18 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
IRA 18 Month Fixed
$0
2.90%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
IRA Certificates 18 Months
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
18 Month CD
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
IRA 18 Month Fixed
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY 42351 7082
18 Month Share Certificate
$0
0.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
18 Month IRA Variable Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
113 Main St, Salt Lick, KY 40371
18 Month CD
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Regular Certificates 18 Months
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
18 Month (1 1/2 Year) Certificates of Deposit & Individual Retirement Account
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Wealth Development Certificate 24 months
$5
5.00%
▼
Rate—
Min Deposit$5
Min Balance—
UpdatedApr 22, 2026
Details
Monthly Min/Max: $20/$400, paid annually
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month Certificate
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
24 Month Certificate of Deposit
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
24 Months Certificates
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Standard Share Certificates 24 Month
$35,000
3.60%
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
2-Year Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
IRA Share Certificate (24-month)
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
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%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
IRA 24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificates 24 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
24 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
24 Month Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 24 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
24 Month Share Certificates
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
2 Year Share Certificates
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
2 Year CD
$500
3.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
$500 minimum to open.
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
IRA Certificates 24 Months
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
24 Month CD Monthly
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
24 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
IRA 24 Month Fixed
$0
2.75%
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
24 Month CD
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
24 Months Savings & IRA Certificates
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY 40507 1428
2 Year Term
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
24 months CD
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Bump Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Hindman
Institution Rating:
B-4.4 ★Texas Ratio: 22.36%
1362 Hindman Byp, Hindman, KY 41822
IRA 2 Years
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
24 Month Certificate of Deposit
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
2 Year CD
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
113 Main St, Salt Lick, KY 40371
24 Month CD
$1,000
0.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY 42351 7082
24 Month Share Certificate
$0
0.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
24 Month Certificate of Deposit
$1,000
0.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
24 Month (2 Year) Certificates of Deposit & Individual Retirement Account
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Regular Certificates 24 Months
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
36 Months Certificates
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3151 Parisa Dr, Paducah, KY 42003
36-Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Annual Percentage Yield accurate as of 4/14/2026. Terms and conditions apply.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Standard Share Certificates 36 Month
$35,000
3.60%
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
36 Month Certificate of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
36 months Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
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%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
IRA Share Certificate (36-month)
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificates 36 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 36 Month
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
36 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
IRA 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
36 Month Share Certificates
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
IRA Certificates 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
3 Year Share Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
3-Year Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
36 Month CD Monthly
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Hindman
Institution Rating:
B-4.4 ★Texas Ratio: 22.36%
1362 Hindman Byp, Hindman, KY 41822
IRA 3 Years
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
36 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
36 Month CD
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
36 Months Savings & IRA Certificates
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY 40507 1428
3 Year Term
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Fixed Rate Jumbo IRA
$100,000
2.25%
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
36 Month Certificates of Deposits
$1,000
2.25%
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
36 months CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
3 Year CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY 42351 7082
36 Month Share Certificate
$0
0.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
113 Main St, Salt Lick, KY 40371
36 Month CD
$1,000
0.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
36 Month Certificate of Deposit
$1,000
0.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Regular Certificates 36 Months
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
36 Month (3 Year) Certificates of Deposit & Individual Retirement Account
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Wealth Development Certificate 48 months
$5
5.00%
▼
Rate—
Min Deposit$5
Min Balance—
UpdatedApr 22, 2026
Details
Monthly Min/Max: $20/$200, paid annually
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
48 Months Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Standard Share Certificates 48 Month
$35,000
3.60%
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 48 Month
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
48 Month Certificate
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
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%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificates 48 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
4 Year Share Certificates
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
IRA Certificates 48 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
48 Month CD Monthly
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
IRA 48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
48 Months Savings & IRA Certificates
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
48 month IRA Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
48 months CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Fixed Rate Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
48 Month CD
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
4 Year CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
48 Month Certificates of Deposits
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
48 Month Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
48 Month Certificate of Deposit
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
48 Month (4 Year) Certificates of Deposit & Individual Retirement Account
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Regular Certificates 48 Months
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
48 Month Certificate of Deposit
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
60 Months Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Standard Share Certificates 60 Month
$35,000
3.70%
▼
Rate3.64%
Min Deposit$35,000
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
60 months Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
60 Month Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
IRA Certificates 60 Months
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
5 Year Share Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
60 Month CD Monthly
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificates 60 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
IRA 60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
60 Months Savings & IRA Certificates
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
60 Month Certificate of Deposit
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
5-Year Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY 40507 1428
5 Year Term
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
60 month IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
60 months CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
5 Year Jumbo Certificate
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
IRA 60 Month Fixed
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
60 Month Certificate of Deposit
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
5 Year CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
8225 US HIGHWAY 60 W, LEWISPORT, KY 42351 7082
60 Month Share Certificate
$0
0.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
113 Main St, Salt Lick, KY 40371
60 Month CD
$1,000
0.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
60 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
60 Month (5 Year) Certificates of Deposit & Individual Retirement Account
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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
2.646%
▲ 0.075 vs 7 days ago
Kentucky 12-month CD rates rose 0.075 points over the past 7 days to 2.646% APY.
6-Month CD — KY Avg
2.371%
▼ 0.273 vs 7 days ago
Kentucky 6-month CD rates fell 0.273 points over the past 7 days to 2.371% APY.
As of Apr 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KY 12-Month Avg APY
2.646%
6-Month Forecast
2.646%
Range: 2.45% – 2.80%
12-Month Forecast
2.396%
Range: 2.20% – 2.55%
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 | 1.096% | $54.81 | $109.61 | $274.03 | $548.05 |
| 6-Month CD | 2.371% | $118.53 | $237.05 | $592.63 | $1,185.25 |
| 12-Month CD | 2.646% | $132.30 | $264.60 | $661.50 | $1,323.00 |
| 18-Month CD | 2.503% | $125.16 | $250.31 | $625.78 | $1,251.55 |
| 24-Month CD | 2.646% | $132.29 | $264.57 | $661.43 | $1,322.85 |
| 36-Month CD | 2.442% | $122.09 | $244.18 | $610.45 | $1,220.90 |
| 48-Month CD | 2.502% | $125.08 | $250.16 | $625.40 | $1,250.80 |
| 60-Month CD | 2.490% | $124.52 | $249.04 | $622.60 | $1,245.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 22, 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 | 1.096% | $54.81 |
| 2 | 6-Month CD | $5,000 | 2.371% | $118.53 |
| 3 | 12-Month CD | $5,000 | 2.646% | $132.30 |
| 4 | 24-Month CD | $5,000 | 2.646% | $132.29 |
| 5 | 36-Month CD | $5,000 | 2.442% | $122.09 |
| Total ($25,000 invested) | $25,000 | 2.240% blended | $560.02/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.
385
CD Rates
Tracked in Kentucky
Tracked in Kentucky
22 Banks
21 Credit Unions
About Our Kentucky CD Rate Database
MonitorBankRates tracks 385 CD rates from 22 banks and 21 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: Commonwealth Credit Union Frankfort, KY offers a CD at 5.05% 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 21 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 — 43 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Kentucky savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$108/yr
At KY 12-mo avg 2.646% 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 2.646%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $108 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 |
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:
- Commonwealth Credit Union Frankfort, KY: 5.05% APY (Grow with Me 12-Month Certificate)
- Louisville Federal Credit Union: 4.50% APY (6 Mo. Share Certificate)
- CLASS ACT: 4.30% APY (IRA Certificate 12 Month)
- American Bank & Trust Co, Inc.: 4.10% APY (12 Month Certificate of Deposit)
- C-Plant Federal Credit Union: 4.07% APY (24 Month Certificate)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Meade County Bank: 4.00% APY (6-month Certificate of Deposit)
- KUE Federal Credit Union: 4.00% APY (6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA)
- Sonata Bank: 3.90% APY (12-Month CD)
- First State Bank Irvington, KY: 3.85% APY (12-month Certificate of Deposit)
Rates reflect recent verified offers available in Kentucky. Last Updated: April 22, 2026
CD Calculators for Kentucky
Kentucky CD Calculator
At today’s KY top rate of 5.05% APY, a $10,000 deposit earns $505 in the first year. Enter your amount to see your exact return.
Kentucky CD LadderKY CD rates currently range from 1.096% (3-month) to 2.442% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Kentucky CD at 5.05% 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 2.646% 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
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 pulling data straight 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: April 22, 2026
Cities in Kentucky
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