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CD Rate Trends

Kentucky Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Kentucky CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 13, 2026. Current Kentucky CD rates include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY417 High St, Frankfort, KY 40601A+5.0 ★Texas Ratio: 5.31%Real return: +2.45%APY minus CPI (February 2026) offering Traditional Grow with Me 12-Month Certificate at 5.25% APY, Y-12 Federal Credit UnionY-12 Federal Credit Union3620 Walden Dr Ste 100, Lexington, KY 40517 2065A+5.0 ★Texas Ratio: 3.67%Real return: +1.95%APY minus CPI (February 2026) offering 12 Month Business Share Certificates PROMO at 4.75% APY, Central Bank & Trust CompanyCentral Bank & Trust Company300 W Vine St, Lexington, KY 40507A+5.0 ★Texas Ratio: 1.26%Real return: +1.70%APY minus CPI (February 2026) offering Certificate of Deposit - 5 Years at 4.50% APY, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900A+5.0 ★Texas Ratio: 1.10%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificate - 1 Year at 4.50% APY, and SFGI DirectSFGI Direct1705 Bypass Rd, Winchester, KY 40391A5.0 ★Texas Ratio: 7.39%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month CD at 4.40% APY. CD rates as of October 13, 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 5.25% APY from Commonwealth Credit Union Frankfort, KY at 417 High St, Frankfort, KY 40601. 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: October 13, 2026

Compare Best CD Rates in Kentucky

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Kentucky 3 Month CD Rates

MonitorBankRates Kentucky Average · 3 Month CD1.79% APY▲ 0.03% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Kentucky is 1.79% APY, compared with 2.09% nationally, as of October 13, 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
$0
4.07% ▲ 2.28% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average1.79%▲ 2.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15 George Huser Dr, Ft Wright, KY 41011 2670
Standard Certificates - 3 Months
$500
3.90% ▲ 2.11% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▲ 2.11% above avgNationally 2.09%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5935 Merchants St, Florence, KY 41042 1198
Certificate - 3 Months
$0
3.65% ▲ 1.86% above Kentucky avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▲ 1.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
3 Month IRA Certificate
$0
3.60% ▲ 1.81% above Kentucky avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
3 Month Share Certificates
$0
3.60% ▲ 1.81% above Kentucky avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
3-Month Certificate
$0
3.55% ▲ 1.76% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average1.79%▲ 1.76% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 3-Month Certificate
$0
3.55% ▲ 1.76% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average1.79%▲ 1.76% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 3-Month
$0
3.55% ▲ 1.76% above Kentucky avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average1.79%▲ 1.76% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1818 Florence Pike, Burlington, KY 41005
3 Month CD Specials
$2,000
3.50% ▲ 1.71% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▲ 1.71% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 45 Days

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 18, 2026: 3.00% APYSep 24, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20263.50%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
23 W Main St, Taylorsville, KY 40071
Certificates of Deposit & Individual Retirement Account 91 Day (3 Month)
$500
3.35% ▲ 1.56% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▲ 1.56% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 24, 2026: 3.35% APYSep 24, 2026Oct 13, 2026
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2805 Alexandria Way, Highland Heights, KY 41076
Share Certificate - 3 Month
$0
2.75% ▲ 0.96% above Kentucky avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▲ 0.96% above avgNationally 2.09%
Details

$500 Minimum tier

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
15 Second St, Vanceburg, KY 41179
90 Day Fixed Rate CD
$500
2.70% ▲ 0.91% above Kentucky avg
View
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▲ 0.91% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 6 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
Bank of Maysville
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
20 W 2nd St, Maysville, KY 41056
3 Month CD
$0
2.53% ▲ 0.74% above Kentucky avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▲ 0.74% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 13, 2026
Bank of Maysville
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
20 W 2nd St, Maysville, KY 41056
3 Month Fixed IRA Certificate
$0
2.53% ▲ 0.74% above Kentucky avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▲ 0.74% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 13, 2026
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% ▲ 0.71% above Kentucky avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▲ 0.71% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 8, 2026: 2.50% APYSep 8, 2026Oct 13, 2026
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1609 Campbell Ln, Bowling Green, KY 42104
3 Month High Yield Certificate
$500
2.05% ▲ 0.26% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▲ 0.26% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 13, 2026: 2.05% APYOct 13, 2026Oct 13, 2026
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% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.21% above Kentucky avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 8, 2026: 2.00% APYSep 8, 2026Oct 13, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
90 Day Certificate
$0
2.00% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Subject to Change: Weekly

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
3 Month Certificate
$0
1.50% ▼ 0.29% below Kentucky avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average1.79%▼ 0.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
3 Month Share Certificate Accounts - Regular Accounts
$0
1.26% ▼ 0.53% below Kentucky avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average1.79%▼ 0.53% below avgNationally 2.09%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 22, 2026: 1.26% APYSep 22, 2026Oct 13, 2026
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
1.25% ▼ 0.54% below Kentucky avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 0.54% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
0.50%1.13%1.75%Sep 14, 2026: 1.00% APYOct 3, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20261.25%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2820 N York St, Owensboro, KY 42301 3344
3 Month Certificate
$1,000
1.25% ▼ 0.54% below Kentucky avg
View
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 0.54% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 13, 2026
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% ▼ 0.69% below Kentucky avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 0.69% below avgNationally 2.09%
Details

Rate History
No change since Sep 9, 2026 · 1.10% APY · checked 5 times
0.60%1.10%1.60%Sep 9, 2026: 1.10% APYSep 9, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1315 CANNONSBURG RD, ASHLAND, KY 41102
3 Month Share and IRA Certificates
$1,000
0.70% ▼ 1.09% below Kentucky avg
View
▼
Rate0.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▼ 1.09% below avgNationally 2.09%
Details

Not Available for IRAs; Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends

Rate History
No change since Oct 13, 2026 · 0.70% APY
0.20%0.70%1.20%Oct 13, 2026: 0.70% APYOct 13, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1207 Ashley Cir, Bowling Green, KY 42104 3383
90 Day Certificate
$500
0.50% ▼ 1.29% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average1.79%▼ 1.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Month Certificate
$500
0.45% ▼ 1.34% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 1.34% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 0.35% → 0.45% ▲ 0.10 pts · high 0.45% / low 0.35%
0.00%0.48%0.95%Sep 14, 2026: 0.35% APYOct 3, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20260.45%▲ from 0.35%
  • Sep 14, 20260.35%first recorded
Murray Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.52%
405 S 12th St, Murray, KY 42071
3 Month Certificate
$1,000
0.30% ▼ 1.49% below Kentucky avg
View
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 1.49% below avgNationally 2.09%
Details

Compound Frequency: At Maturity; Early Withdrawal Penalty: 1 Month

Rate History
No change since Sep 7, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 7, 2026: 0.30% APYSep 7, 2026Oct 13, 2026
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
2557 Sir Barton Way, Lexington, KY 40509
Certificate Accounts - 3 Months
$0
0.25% ▼ 1.54% below Kentucky avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▼ 1.54% below avgNationally 2.09%
Details

Effective Date: 9/1/2026; Regular Rate and Regular APY*

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Kentucky Farmers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2500 Broadway St, Catlettsburg, KY 41129
3 Month CD
$1,000
0.20% ▼ 1.59% below Kentucky avg
View
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average1.79%▼ 1.59% below avgNationally 2.09%
Details

Compounds: Maturity

Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 30, 2026: 0.20% APYSep 30, 2026Oct 13, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
3 MONTH CD
$500
0.15% ▼ 1.64% below Kentucky avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 1.64% below avgNationally 2.09%
Details

Jumbo Rate

Rate History
1 change since Sep 18, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10%
0.00%0.33%0.65%Sep 18, 2026: 0.10% APYOct 7, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20260.15%▲ from 0.10%
  • Sep 18, 20260.10%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
3 MONTH CD
$500
0.10% ▼ 1.69% below Kentucky avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 1.69% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
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% ▼ 1.69% below Kentucky avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 1.69% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
3 Month Certificate
$1,000
0.10% ▼ 1.69% below Kentucky avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 1.69% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 3 months
$1,000
0.10% ▼ 1.69% below Kentucky avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 1.69% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 13, 2026
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% ▼ 1.74% below Kentucky avg
View
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 1.74% below avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
3 Month Business Share Certificates
$0
0.05% ▼ 1.74% below Kentucky avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 1.74% below avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
121 S 4th St, Danville, KY 40422
3 Month Certificate of Deposit
$0
0.03% ▼ 1.76% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 1.76% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
121 S 4th St, Danville, KY 40422
3 Month Certificate of Deposit
$0
0.02% ▼ 1.77% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 1.77% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
121 S 4th St, Danville, KY 40422
3 Month Certificate of Deposit
$0
0.01% ▼ 1.78% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average1.79%▼ 1.78% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Kentucky 6 Month CD Rates

MonitorBankRates Kentucky Average · 6 Month CD2.65% APY▲ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Kentucky is 2.65% APY, compared with 2.78% nationally, as of October 13, 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
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
6 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 2.10% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 2.10% above avgNationally 2.78%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
6 Month Share Certificate PROMO
$0
4.75% ▲ 2.10% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 2.10% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 6 Months
$1,000
4.50% ▲ 1.85% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.85% above avgNationally 2.78%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
6 Month Certificate
$0
4.33% ▲ 1.68% above Kentucky avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.65%▲ 1.68% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
6 months - New money only, not funds currently on deposit with Commonwealth Credit Union
$500
4.25% ▲ 1.60% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 1.60% above avgNationally 2.78%
Details

New money only, not funds currently on deposit with Commonwealth Credit Union

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
Traditional 6-month Jumbo Certificate
$75,000
4.25% ▲ 1.60% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 1.60% above avgNationally 2.78%
Details

Certificates (Regular, Traditional IRA, and Roth IRA)

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1705 Bypass Rd, Winchester, KY 40391
6-Month CD
$1,000
4.20% ▲ 1.55% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.65%▲ 1.55% above avgNationally 2.78%
Details

A competitive rate with a shorter commitment

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
6 Month Certificate
$500
4.15% ▲ 1.50% above Kentucky avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 1.50% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 6, 2026: 4.15% APYOct 6, 2026Oct 13, 2026
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
2175 Bypass Rd, Brandenburg, KY 40108
6-month Certificate of Deposit
$0
4.10% ▲ 1.45% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 1.45% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
6 Month CD
$0
4.07% ▲ 1.42% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.42% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
6 Month Share Certificate Accounts - Regular Accounts
$0
4.06% ▲ 1.41% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 1.41% above avgNationally 2.78%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
6 Month CD
$0
4.00% ▲ 1.35% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
6 Month Certificate of Deposit
$1,000
4.00% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
6-Month IRA
$1,000
4.00% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
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
4.00% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1 Quality St, Lexington, KY 40507 1428
6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$0
4.00% ▲ 1.35% above Kentucky avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Interest paid: Monthly; Early withdrawal penalty applies

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1 Quality St, Lexington, KY 40507 1428
Traditional Certificates of Deposit (CDs) - 6 Month
$0
4.00% ▲ 1.35% above Kentucky avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Payment: Monthly; Share, Traditional IRA, Roth IRA, and Educ IRA; Rates as of October 3, 2025; Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15 George Huser Dr, Ft Wright, KY 41011 2670
Standard Certificates - 6 Months
$500
3.95% ▲ 1.30% above Kentucky avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.30% above avgNationally 2.78%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
761 Corporate Dr, Lexington, KY 40503
6-Month CD
$500
3.90% ▲ 1.25% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.25% above avgNationally 2.78%
Details

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.

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 13, 2026
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% ▲ 1.15% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 1.15% above avgNationally 2.78%
Details

LIMITED TIME ONLY

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
6 Month IRA Certificate
$500
3.80% ▲ 1.15% above Kentucky avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 1.15% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
6 Month Share Certificate
$500
3.80% ▲ 1.15% above Kentucky avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 1.15% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
6 Month CD
$0
3.70% ▲ 1.05% above Kentucky avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.65%▲ 1.05% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5935 Merchants St, Florence, KY 41042 1198
Certificate - 6 Months
$0
3.70% ▲ 1.05% above Kentucky avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.05% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
4885 Houston Rd, Florence, KY 41042 4894
6 Month Certificate of Deposit Accounts
$0
3.70% ▲ 1.05% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.05% above avgNationally 2.78%
Details

Delta Community row from Compare Certificate of Deposit Accounts table; term not stated in this row; competitor rows excluded

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
4885 Houston Rd, Florence, KY 41042 4894
Certificate of Deposit Accounts - 6 Month
$1,000
3.70% ▲ 1.05% above Kentucky avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.05% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
6-Month Certificate
$0
3.60% ▲ 0.95% above Kentucky avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 0.95% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 6-Month Certificate
$0
3.60% ▲ 0.95% above Kentucky avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 0.95% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 6-Month
$0
3.60% ▲ 0.95% above Kentucky avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 0.95% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 6 months
$2,500
3.56% ▲ 0.91% above Kentucky avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.91% above avgNationally 2.78%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
6 Month Business Jumbo Share Certificate
$35,000
3.55% ▲ 0.90% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.90% above avgNationally 2.78%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Share Certificates - 6 Month
$0
3.55% ▲ 0.90% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.90% above avgNationally 2.78%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 6 MONTH
$500
3.55% ▲ 0.90% above Kentucky avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.90% above avgNationally 2.78%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Individual Retirement Accounts - Fixed Rate - 6 Months
$500
3.50% ▲ 0.85% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.65%▲ 0.85% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
6 Month Certificate
$1,000
3.50% ▲ 0.85% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 0.85% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 6 months
$1,000
3.50% ▲ 0.85% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 0.85% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
6 Month Share/IRA Certificates
$0
3.50% ▲ 0.85% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.85% above avgNationally 2.78%
Details

Rates effective as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
2.95%3.48%4.00%Sep 14, 2026: 3.45% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.50%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 6-Months
$0
3.50% ▲ 0.85% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.85% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
2.95%3.48%4.00%Sep 14, 2026: 3.45% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.50%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Share Certificates - 6 Month
$500
3.49% ▲ 0.84% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.84% above avgNationally 2.78%
Details

Rates effective as of October 1, 2026

Rate History
No change since Oct 9, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 9, 2026: 3.49% APYOct 9, 2026Oct 13, 2026
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
651 W Dixie Ave, Elizabethtown, KY 42701
6 Month Certificate
$0
3.45% ▲ 0.80% above Kentucky avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 0.80% above avgNationally 2.78%
Details

Balance: $500.00

Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 6, 2026: 3.45% APYOct 6, 2026Oct 13, 2026
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
651 W Dixie Ave, Elizabethtown, KY 42701
Individual Retirement Accounts - 6 Month
$0
3.45% ▲ 0.80% above Kentucky avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 0.80% above avgNationally 2.78%
Details

Balance: $500.00

Rate History
No change since Oct 10, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 10, 2026: 3.45% APYOct 10, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
6 Month IRA Certificate
$0
3.45% ▲ 0.80% above Kentucky avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.65%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
6 Month Share Certificates
$0
3.45% ▲ 0.80% above Kentucky avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.65%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
6 Month Business Standard Share Certificate
$2,500
3.30% ▲ 0.65% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.65% above avgNationally 2.78%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Standard Share Certificates - 6 Month
$0
3.30% ▲ 0.65% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.65% above avgNationally 2.78%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.60% above Kentucky avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.65%▲ 0.60% above avgNationally 2.78%
Details

Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 8, 2026: 3.25% APYSep 8, 2026Oct 13, 2026
Murray Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.52%
405 S 12th St, Murray, KY 42071
6 Month Certificate
$1,000
3.25% ▲ 0.60% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.65%▲ 0.60% above avgNationally 2.78%
Details

Compound Frequency: At Maturity; Early Withdrawal Penalty: 3 Month

Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 7, 2026: 3.25% APYSep 7, 2026Oct 13, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 6 Month
$500
3.09% ▲ 0.44% above Kentucky avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.65%▲ 0.44% above avgNationally 2.78%
Details

Rate History
No change since Sep 21, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Sep 21, 2026: 3.09% APYSep 21, 2026Oct 13, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 6 Month
$500
3.02% ▲ 0.37% above Kentucky avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.37% above avgNationally 2.78%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 7 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
6 month Certificate
$0
3.00% ▲ 0.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.65%▲ 0.35% above avgNationally 2.78%
Details

Subject to Change: Weekly

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026

Kentucky 12 Month CD Rates

MonitorBankRates Kentucky Average · 12 Month CD3.04% APY▼ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Kentucky is 3.04% APY, compared with 2.99% nationally, as of October 13, 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
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
Traditional Grow with Me 12-Month Certificate
$250
5.25% ▲ 2.22% above Kentucky avg
View
▼
Rate5.13%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 2.22% above avgNationally 2.99%
Details

This account is available only for members under 18 years of age.; Youth Products (Regular, Traditional IRA, and Roth IRA)

Rate History
1 change since Sep 30, 2026 · 5.15% → 5.25% ▲ 0.10 pts · high 5.25% / low 5.15%
4.65%5.20%5.75%Sep 30, 2026: 5.15% APYOct 1, 2026: 5.25% APYSep 30, 2026Oct 13, 2026
  • Oct 1, 20265.25%▲ from 5.15%
  • Sep 30, 20265.15%first recorded
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
12 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.71% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.71% above avgNationally 2.99%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
12 Month Share Certificate PROMO
$0
4.75% ▲ 1.71% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.71% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 1 Year
$1,000
4.50% ▲ 1.46% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 1.46% above avgNationally 2.99%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
1 Year CD Management Account
$2,500
4.38% ▲ 1.34% above Kentucky avg
View
▼
Rate4.29%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 1.34% above avgNationally 2.99%
Details

variable rate

Rate History
No change since Oct 7, 2026 · 4.38% APY · checked 2 times
3.88%4.38%4.88%Oct 7, 2026: 4.38% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Oak Grove Shopping Center, Oak Grove, KY 42262 8361
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.31% above Kentucky avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 1.31% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
Traditional 12-month Jumbo Certificate
$75,000
4.35% ▲ 1.31% above Kentucky avg
View
▼
Rate4.27%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 1.31% above avgNationally 2.99%
Details

Certificates (Regular, Traditional IRA, and Roth IRA)

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1705 Bypass Rd, Winchester, KY 40391
12-Month CD
$1,000
4.30% ▲ 1.26% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 1.26% above avgNationally 2.99%
Details

A strong rate. A full year of predictable growth.

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
7079 State Route 56 E, Sebree, KY 42455
12-month CD
$0
4.27% ▲ 1.23% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.23% above avgNationally 2.99%
Details

Special CD

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.27% ▲ 0.12 pts · high 4.27% / low 4.15%
3.65%4.21%4.77%Sep 14, 2026: 4.15% APYSep 28, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Sep 28, 20264.27%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
1 YEAR CD
$500
4.25% ▲ 1.21% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
761 Corporate Dr, Lexington, KY 40503
12-Month CD
$500
4.25% ▲ 1.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 2.99%
Details

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.

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
12 Month Certificate
$500
4.25% ▲ 1.21% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
12 Month Certificate
$1,000
4.20% ▲ 1.17% above Kentucky avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
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% ▲ 1.17% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.17% above avgNationally 2.99%
Details

Limited-Time Offer; New Money 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.

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 12 months
$1,000
4.20% ▲ 1.17% above Kentucky avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
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% ▲ 1.06% above Kentucky avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 8, 2026: 4.10% APYSep 8, 2026Oct 13, 2026
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% ▲ 1.06% above Kentucky avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 8, 2026: 4.10% APYSep 8, 2026Oct 13, 2026
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
4.07% ▲ 1.04% above Kentucky avg
View
▼
Rate4.03%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 1.04% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
3.45%4.01%4.57%Sep 18, 2026: 3.95% APYOct 2, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.07%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2500 Lone Oak Rd, Paducah, KY 42003 8004
12 Month IRA Certificate
$0
4.07% ▲ 1.04% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.04% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 12, 2026: 3.82% APYOct 4, 2026: 4.07% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.07%▲ from 3.82%
  • Sep 12, 20263.82%first recorded
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2500 Lone Oak Rd, Paducah, KY 42003 8004
Standard Share Certificates - 12 Month Certificate
$0
4.07% ▲ 1.04% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.04% above avgNationally 2.99%
Details

Certificate rates, terms, and conditions are subject to change weekly; 90-day dividend penalty for early withdrawal

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Oak Grove Shopping Center, Oak Grove, KY 42262 8361
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Certificate of Deposit - 1 Year
$500
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Individual Retirement Accounts - Fixed Rate - 12 Months
$500
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
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% ▲ 0.96% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15 George Huser Dr, Ft Wright, KY 41011 2670
Standard Certificates - 12 Months
$500
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
12 Month Share/IRA Certificates
$0
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Rates effective as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 12-Months
$0
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
4885 Houston Rd, Florence, KY 41042 4894
Certificate of Deposit Accounts - 12 Month
$1,000
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
440 Park Pl, Lexington, KY 40511 1829
1-Year Share Certificate
$500
4.00% ▲ 0.96% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Limited Time Offer. Rates subject to change. Dividends calculated daily and paid monthly. Fixed interest rate and maturity date. Early withdrawal will result in penalty.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
424 Park Pl, Lexington, KY 40511 1829
1 Year Certificate
$1,000
3.91% ▲ 0.88% above Kentucky avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.88% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
35 US Highway 68 E, Benton, KY 42025
12-Month CD
$1,000
3.90% ▲ 0.86% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
12 Month IRA Certificate
$1,000
3.90% ▲ 0.86% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
12 Month Share Certificate
$1,000
3.90% ▲ 0.86% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
First State Bank Irvington, KY
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
240 N 1st St, Irvington, KY 40146
12-month Certificate of Deposit
$0
3.85% ▲ 0.82% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
12 Month Share Certificate Accounts - Regular Accounts
$0
3.85% ▲ 0.82% above Kentucky avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.82% above avgNationally 2.99%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Oct 13, 2026
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
23 W Main St, Taylorsville, KY 40071
Certificates of Deposit & Individual Retirement Account 13 Month (1 Year, 1 Month)
$500
3.82% ▲ 0.78% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 24, 2026: 3.82% APYSep 24, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 12 months
$2,500
3.82% ▲ 0.78% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.78% above avgNationally 2.99%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 12 MONTH
$500
3.82% ▲ 0.78% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.78% above avgNationally 2.99%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Bank of Clarkson
Institution Rating:
A5.0 ★Texas Ratio: 12.34%
101 E Main St, Clarkson, KY 42726
12-Month CD
$0
3.80% ▲ 0.76% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 2.99%
Details

The minimum balance to obtain the annual percentage yield (APY) is $500.00. 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.

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 12 Month
$500
3.80% ▲ 0.76% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 2.99%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
1-Year Jumbo Certificate
$0
3.80% ▲ 0.76% above Kentucky avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 1-Year Jumbo Certificate
$0
3.80% ▲ 0.76% above Kentucky avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Jumbo Certificate - 1-Year
$0
3.80% ▲ 0.76% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
12 Month CD
$0
3.78% ▲ 0.74% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.71% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.71% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average3.04%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5935 Merchants St, Florence, KY 41042 1198
Certificate - 12 Months
$0
3.75% ▲ 0.71% above Kentucky avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
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 Special
$500
3.73% ▲ 0.69% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.73% APY · checked 2 times
3.23%3.73%4.23%Oct 7, 2026: 3.73% APYOct 7, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
1-Year Certificate
$0
3.70% ▲ 0.67% above Kentucky avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 1-Year Certificate
$0
3.70% ▲ 0.67% above Kentucky avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average3.04%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026

Kentucky 18 Month CD Rates

MonitorBankRates Kentucky Average · 18 Month CD2.81% APY▼ 0.01% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Kentucky is 2.81% APY, compared with 2.87% nationally, as of October 13, 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
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
18 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.94% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 1.94% above avgNationally 2.87%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
18 Month Share Certificate PROMO
$0
4.75% ▲ 1.94% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 1.94% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1705 Bypass Rd, Winchester, KY 40391
18-Month CD
$1,000
4.40% ▲ 1.59% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 1.59% above avgNationally 2.87%
Details

Our highest featured APY, locked in for longer.

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
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% ▲ 1.54% above Kentucky avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 1.54% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 7, 2026: 4.20% APYSep 24, 2026: 4.35% APYSep 7, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.20%
  • Sep 7, 20264.20%first recorded
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% ▲ 1.54% above Kentucky avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 1.54% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 7, 2026: 4.20% APYSep 19, 2026: 4.35% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20264.35%▲ from 4.20%
  • Sep 7, 20264.20%first recorded
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% ▲ 1.54% above Kentucky avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 1.54% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 7, 2026: 4.20% APYSep 19, 2026: 4.35% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20264.35%▲ from 4.20%
  • Sep 7, 20264.20%first recorded
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
18 Month Certificate
$500
4.30% ▲ 1.49% above Kentucky avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 1.49% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
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
4.29% ▲ 1.48% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 1.48% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 3.89% → 4.29% ▲ 0.40 pts · high 4.29% / low 3.89%
3.39%4.09%4.79%Sep 7, 2026: 3.89% APYOct 2, 2026: 4.29% APYSep 7, 2026Oct 13, 2026
  • Oct 2, 20264.29%▲ from 3.89%
  • Sep 7, 20263.89%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
18-Month Certificate
$0
4.25% ▲ 1.44% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 1.44% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 18-Month Certificate
$0
4.25% ▲ 1.44% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 1.44% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 18-Month
$0
4.25% ▲ 1.44% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 1.44% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
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% ▲ 1.40% above Kentucky avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 1.40% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 4.21% APY · checked 6 times
3.71%4.21%4.71%Sep 20, 2026: 4.21% APYSep 20, 2026Oct 13, 2026
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
3151 Parisa Dr, Paducah, KY 42003
18-Month CD
$0
4.15% ▲ 1.34% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 1.34% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
18 Month Share/IRA Certificates
$0
4.15% ▲ 1.34% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 1.34% above avgNationally 2.87%
Details

Rates effective as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 18-Months
$0
4.15% ▲ 1.34% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 1.34% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
CD 18 MONTH
$500
4.05% ▲ 1.24% above Kentucky avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 1.24% above avgNationally 2.87%
Details

Published APY range: 4.05-4.25%. APY Range

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
18 Month Business Jumbo Share Certificate
$35,000
4.00% ▲ 1.19% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 1.19% above avgNationally 2.87%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Share Certificates - 18 Month
$0
4.00% ▲ 1.19% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 1.19% above avgNationally 2.87%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
18 Month IRA Certificate
$1,000
3.90% ▲ 1.09% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 1.09% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
18 Month Share Certificate
$1,000
3.90% ▲ 1.09% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 1.09% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 18 months
$500
3.82% ▲ 1.01% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 1.01% above avgNationally 2.87%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
651 W Dixie Ave, Elizabethtown, KY 42701
18 Month Certificate
$0
3.80% ▲ 0.99% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 0.99% above avgNationally 2.87%
Details

Balance: $500.00

Rate History
No change since Oct 6, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 6, 2026: 3.80% APYOct 6, 2026Oct 13, 2026
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
651 W Dixie Ave, Elizabethtown, KY 42701
Individual Retirement Accounts - 18 Month
$0
3.80% ▲ 0.99% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 0.99% above avgNationally 2.87%
Details

Balance: $500.00

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5935 Merchants St, Florence, KY 41042 1198
Certificate - 18 Months
$0
3.80% ▲ 0.99% above Kentucky avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 0.99% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.94% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 0.94% above avgNationally 2.87%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.94% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 0.94% above avgNationally 2.87%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
131 Gold Vault Rd, Fort Knox, KY 40121
18 Month Certificate of Deposit
$500
3.75% ▲ 0.94% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 0.94% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
18 Month Business Standard Share Certificate
$2,500
3.75% ▲ 0.94% above Kentucky avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 0.94% above avgNationally 2.87%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Standard Share Certificates - 18 Month
$0
3.75% ▲ 0.94% above Kentucky avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 0.94% above avgNationally 2.87%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Oak Grove Shopping Center, Oak Grove, KY 42262 8361
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.89% above Kentucky avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 0.89% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
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 Special
$500
3.51% ▲ 0.70% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.81%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
18 Month Share Certificate Accounts - Regular Accounts
$0
3.50% ▲ 0.69% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 0.69% above avgNationally 2.87%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
18 month Certificate
$0
3.50% ▲ 0.69% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.81%▲ 0.69% above avgNationally 2.87%
Details

Subject to Change: Weekly

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
503 W Main St, Morehead, KY 40351 1539
Share Certificate (18 month)
$0
3.49% ▲ 0.68% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 0.68% above avgNationally 2.87%
Details

Rate History
No change since Sep 21, 2026 · 3.49% APY · checked 5 times
2.99%3.49%3.99%Sep 21, 2026: 3.49% APYSep 21, 2026Oct 13, 2026
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% ▲ 0.59% above Kentucky avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Sep 8, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 8, 2026: 3.40% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.59% above Kentucky avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.81%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Sep 8, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 8, 2026: 3.40% APYSep 8, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
18 Month IRA Certificate
$0
3.35% ▲ 0.54% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.81%▲ 0.54% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
18 Month Share Certificates
$0
3.35% ▲ 0.54% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.81%▲ 0.54% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
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% ▲ 0.49% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 0.49% above avgNationally 2.87%
Details

Monthly Payout

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1609 Campbell Ln, Bowling Green, KY 42104
18 Month High Yield Certificate
$500
3.30% ▲ 0.49% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.81%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
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% ▲ 0.48% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 0.48% above avgNationally 2.87%
Details

Quarterly Payout

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.47% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 0.47% above avgNationally 2.87%
Details

Semi-Annual Payout

Rate History
No change since Sep 14, 2026 · 3.28% APY · checked 6 times
2.78%3.28%3.78%Sep 14, 2026: 3.28% APYSep 14, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
18 Month CD
$0
3.25% ▲ 0.44% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.81%▲ 0.44% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
18 Month Certificate of Deposit
$1,000
3.25% ▲ 0.44% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.81%▲ 0.44% above avgNationally 2.87%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
18-Month IRA
$1,000
3.25% ▲ 0.44% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.81%▲ 0.44% above avgNationally 2.87%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
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
3.25% ▲ 0.44% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.81%▲ 0.44% above avgNationally 2.87%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 2.65% → 3.25% ▲ 0.60 pts · high 3.25% / low 2.65%
2.05%2.95%3.85%Sep 14, 2026: 2.65% APYOct 7, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 2.65%
  • Sep 14, 20262.65%first recorded
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
18 Month Business Share Certificates
$0
3.25% ▲ 0.44% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 0.44% above avgNationally 2.87%
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
18 Month Jumbo Certificate
$0
3.25% ▲ 0.44% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 0.44% above avgNationally 2.87%
Details

Balance: $100,000 and over

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
18 Month ROTH IRA Jumbo Certificate
$0
3.25% ▲ 0.44% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 0.44% above avgNationally 2.87%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
18 Month ROTH IRA Share Certificate
$0
3.25% ▲ 0.44% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.81%▲ 0.44% above avgNationally 2.87%
Details

Balance: $50,000-99,999

Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 4, 2026: 3.25% APYOct 4, 2026Oct 13, 2026

Kentucky 24 Month CD Rates

MonitorBankRates Kentucky Average · 24 Month CD2.89% APY▲ 0.04% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Kentucky is 2.89% APY, compared with 2.88% nationally, as of October 13, 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
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
24 Month Certificate
$500
4.35% ▲ 1.46% above Kentucky avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Certificate of Deposit - 2 Years
$500
4.25% ▲ 1.36% above Kentucky avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Individual Retirement Accounts - Fixed Rate - 24 Months
$500
4.25% ▲ 1.36% above Kentucky avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.36% above Kentucky avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 20, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
2-Year Certificate
$0
4.25% ▲ 1.36% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
2-Year Jumbo Certificate
$0
4.25% ▲ 1.36% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 2-Year Certificate
$0
4.25% ▲ 1.36% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
Business 2-Year Jumbo Certificate
$0
4.25% ▲ 1.36% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate - 2-Year
$0
4.25% ▲ 1.36% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Jumbo Certificate - 2-Year
$0
4.25% ▲ 1.36% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 24 months
$500
4.08% ▲ 1.19% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 1.19% above avgNationally 2.88%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 18, 2026: 3.82% APYOct 13, 2026: 4.08% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.08%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month IRA Certificate
$0
4.07% ▲ 1.18% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.89%▲ 1.18% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 12, 2026: 4.07% APYSep 12, 2026Oct 13, 2026
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2500 Lone Oak Rd, Paducah, KY 42003 8004
Standard Share Certificates - 24 Month Certificate
$0
4.07% ▲ 1.18% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.89%▲ 1.18% above avgNationally 2.88%
Details

Certificate rates, terms, and conditions are subject to change weekly; 90-day dividend penalty for early withdrawal

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 13, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
2 YEAR CESA
$100
4.05% ▲ 1.16% above Kentucky avg
View
▼
Rate3.99%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
2 YEAR IRA
$100
4.05% ▲ 1.16% above Kentucky avg
View
▼
Rate3.99%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
2 YEAR ROTH
$100
4.05% ▲ 1.16% above Kentucky avg
View
▼
Rate3.99%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15 George Huser Dr, Ft Wright, KY 41011 2670
Standard Certificates - 24 Months
$500
4.05% ▲ 1.16% above Kentucky avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 1.16% above avgNationally 2.88%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
24 Month CD
$0
4.00% ▲ 1.11% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
24 Month Certificate of Deposit
$1,000
4.00% ▲ 1.11% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
24-Month IRA
$1,000
4.00% ▲ 1.11% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
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
4.00% ▲ 1.11% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month Business Jumbo Share Certificate
$35,000
4.00% ▲ 1.11% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month Traditional Standard Share Certificates
$0
4.00% ▲ 1.11% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Share Certificates - 24 Month
$0
4.00% ▲ 1.11% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
24 Month IRA Certificate
$1,000
4.00% ▲ 1.11% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
24 Month Share Certificate
$1,000
4.00% ▲ 1.11% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.96% above Kentucky avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 8, 2026: 3.85% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.96% above Kentucky avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 8, 2026: 3.85% APYSep 8, 2026Oct 13, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5935 Merchants St, Florence, KY 41042 1198
Certificate - 24 Months
$0
3.85% ▲ 0.96% above Kentucky avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
24 Month CD
$0
3.78% ▲ 0.89% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.89%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.86% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.86% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month Business Standard Share Certificate
$2,500
3.75% ▲ 0.86% above Kentucky avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.86% above avgNationally 2.88%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month Traditional Standard Share Certificates
$0
3.75% ▲ 0.86% above Kentucky avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.86% above avgNationally 2.88%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Standard Share Certificates - 24 Month
$0
3.75% ▲ 0.86% above Kentucky avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.86% above avgNationally 2.88%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Oak Grove Shopping Center, Oak Grove, KY 42262 8361
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.71% above Kentucky avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 0.71% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
651 W Dixie Ave, Elizabethtown, KY 42701
24 Month Certificate
$0
3.51% ▲ 0.62% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 0.62% above avgNationally 2.88%
Details

Balance: $500.00

Rate History
No change since Oct 6, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 6, 2026: 3.51% APYOct 6, 2026Oct 13, 2026
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
651 W Dixie Ave, Elizabethtown, KY 42701
Individual Retirement Accounts - 24 Month
$0
3.51% ▲ 0.62% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 0.62% above avgNationally 2.88%
Details

Balance: $500.00

Rate History
No change since Oct 10, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 13, 2026
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% ▲ 0.61% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.89%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
24 Month Share/IRA Certificates
$0
3.50% ▲ 0.61% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.61% above avgNationally 2.88%
Details

Rates effective as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 24-Months
$0
3.50% ▲ 0.61% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.61% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYSep 29, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
24 month Certificate
$0
3.50% ▲ 0.61% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.89%▲ 0.61% above avgNationally 2.88%
Details

Subject to Change: Weekly

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 24 MONTH
$500
3.46% ▲ 0.57% above Kentucky avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.57% above avgNationally 2.88%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Sep 14, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
IRA Certificate - 1st Quarter - 24 MONTH
$500
3.46% ▲ 0.57% above Kentucky avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 13, 2026: 3.46% APYOct 13, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
24 Month IRA Certificate
$0
3.45% ▲ 0.56% above Kentucky avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.89%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
24 Month Share Certificates
$0
3.45% ▲ 0.56% above Kentucky avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.89%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
503 W Main St, Morehead, KY 40351 1539
IRA Share Certificate (24-month)
$0
3.44% ▲ 0.55% above Kentucky avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 8 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
1306 VERSAILLES RD STE 140, Lexington, KY 40504 1795
2 Year Youth Certificate
$0
3.40% ▲ 0.51% above Kentucky avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.51% above avgNationally 2.88%
Details

Youth Certificate for youth 17 and under; Paid Out: Monthly; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
4885 Houston Rd, Florence, KY 41042 4894
Certificate of Deposit Accounts - 24 Month
$1,000
3.40% ▲ 0.51% above Kentucky avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.89%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
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 Special
$500
3.38% ▲ 0.49% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.89%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.38% APY · checked 2 times
2.88%3.38%3.88%Oct 7, 2026: 3.38% APYOct 7, 2026Oct 13, 2026

Kentucky 36 Month CD Rates

MonitorBankRates Kentucky Average · 36 Month CD2.80% APY▲ 0.03% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Kentucky is 2.80% APY, compared with 2.81% nationally, as of October 13, 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
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
36 Month Certificate
$500
4.40% ▲ 1.60% above Kentucky avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 1.60% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 6, 2026: 4.40% APYOct 6, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Certificate of Deposit - 3 Years
$500
4.30% ▲ 1.50% above Kentucky avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 1.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Individual Retirement Accounts - Fixed Rate - 36 Months
$500
4.30% ▲ 1.50% above Kentucky avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 1.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.50% above Kentucky avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 1.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 20, 2026: 4.30% APYSep 20, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Business Jumbo Share Certificate
$35,000
4.25% ▲ 1.45% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.81%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.45% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.81%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Share Certificates - 36 Month
$0
4.25% ▲ 1.45% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.81%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Oak Grove Shopping Center, Oak Grove, KY 42262 8361
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 1.35% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
36 Month CD
$0
4.15% ▲ 1.35% above Kentucky avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.35% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.35% above avgNationally 2.81%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
36-Month IRA
$1,000
4.15% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.35% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
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
4.15% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.35% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Oak Grove Shopping Center, Oak Grove, KY 42262 8361
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.30% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 1.30% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15 George Huser Dr, Ft Wright, KY 41011 2670
Standard Certificates - 36 Months
$500
4.10% ▲ 1.30% above Kentucky avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.30% above avgNationally 2.81%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 36 months
$500
4.08% ▲ 1.28% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.28% above avgNationally 2.81%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 18, 2026: 3.82% APYOct 13, 2026: 4.08% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.08%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
36 Month IRA Certificate
$1,000
4.05% ▲ 1.25% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 1.25% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
36 Month Share Certificate
$1,000
4.05% ▲ 1.25% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 1.25% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Business Standard Share Certificate
$2,500
4.00% ▲ 1.20% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.81%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Share Certificates with Rate Bump Option
$0
4.00% ▲ 1.20% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.81%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Traditional Standard Share Certificates
$0
4.00% ▲ 1.20% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.81%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Standard Share Certificates - 36 Month
$0
4.00% ▲ 1.20% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.81%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5935 Merchants St, Florence, KY 41042 1198
Certificate - 36 Months
$0
3.90% ▲ 1.10% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.10% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
36 Month CD
$0
3.78% ▲ 0.98% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.95% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 0.95% above avgNationally 2.81%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Share Certificates with Rate Bump Option
$0
3.75% ▲ 0.95% above Kentucky avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.95% above avgNationally 2.81%
Details

Standard; Minimum balance to open and earn stated APY: $500/Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
36 Month Share/IRA Certificates
$0
3.60% ▲ 0.80% above Kentucky avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.80% above avgNationally 2.81%
Details

Rates effective as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYSep 29, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 36-Months
$0
3.60% ▲ 0.80% above Kentucky avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.80% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYSep 29, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 36 MONTH
$500
3.56% ▲ 0.76% above Kentucky avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.76% above avgNationally 2.81%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.70% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.70% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
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% ▲ 0.70% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 7, 2026: 3.50% APYSep 7, 2026Oct 13, 2026
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% ▲ 0.70% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 7, 2026: 3.50% APYSep 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
36 Month IRA Certificate
$0
3.50% ▲ 0.70% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
36 Month Share Certificates
$0
3.50% ▲ 0.70% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
36 month Certificate
$0
3.40% ▲ 0.60% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 0.60% above avgNationally 2.81%
Details

Subject to Change: Weekly

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.40% ▲ 0.30 pts · high 3.40% / low 3.10%
2.60%3.25%3.90%Sep 14, 2026: 3.10% APYOct 10, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.40%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
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 Special
$500
3.35% ▲ 0.55% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 0.55% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 3 Year
$1,000
3.35% ▲ 0.55% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.55% above avgNationally 2.81%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
503 W Main St, Morehead, KY 40351 1539
IRA Share Certificate (36-month)
$0
3.34% ▲ 0.54% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 8 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.50% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 8, 2026: 3.30% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.50% above Kentucky avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.80%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 8, 2026: 3.30% APYSep 8, 2026Oct 13, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2820 N York St, Owensboro, KY 42301 3344
3 Year Fixed IRA
$1,000
3.30% ▲ 0.50% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 13, 2026
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1609 Campbell Ln, Bowling Green, KY 42104
36 Month High Yield Certificate
$500
3.30% ▲ 0.50% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 36 Month
$500
3.29% ▲ 0.49% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.49% above avgNationally 2.81%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 36 Month
$500
3.29% ▲ 0.49% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.80%▲ 0.49% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 21, 2026: 3.29% APYSep 21, 2026Oct 13, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 36 Month
$500
3.29% ▲ 0.49% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.80%▲ 0.49% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 21, 2026: 3.29% APYSep 21, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
36 Month Share Certificate Accounts - Regular Accounts
$0
3.29% ▲ 0.49% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 0.49% above avgNationally 2.81%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Oct 13, 2026
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
651 W Dixie Ave, Elizabethtown, KY 42701
36 Month Certificate
$0
3.25% ▲ 0.45% above Kentucky avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.81%
Details

Balance: $500.00

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 2026Oct 13, 2026
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
651 W Dixie Ave, Elizabethtown, KY 42701
Individual Retirement Accounts - 36 Month
$0
3.25% ▲ 0.45% above Kentucky avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.81%
Details

Balance: $500.00

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2820 N York St, Owensboro, KY 42301 3344
3 Year Certificate
$1,000
3.25% ▲ 0.45% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
3 Year Certificate
$0
3.25% ▲ 0.45% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026

Kentucky 48 Month CD Rates

MonitorBankRates Kentucky Average · 48 Month CD2.59% APY▲ 0.03% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Kentucky is 2.59% APY, compared with 2.80% nationally, as of October 13, 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
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
48 Month Certificate
$500
4.45% ▲ 1.86% above Kentucky avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.59%▲ 1.86% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 6, 2026: 4.45% APYOct 6, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Certificate of Deposit - 4 Years
$500
4.35% ▲ 1.76% above Kentucky avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.59%▲ 1.76% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
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% ▲ 1.71% above Kentucky avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.59%▲ 1.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 20, 2026: 4.30% APYSep 20, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Business Jumbo Share Certificate
$35,000
4.25% ▲ 1.66% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.66% above avgNationally 2.80%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.66% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.66% above avgNationally 2.80%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Share Certificates - 48 Month
$0
4.25% ▲ 1.66% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.66% above avgNationally 2.80%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
524 Main St, Hazard, KY 41701
CESA 4 YEAR
$100
4.15% ▲ 1.56% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.59%▲ 1.56% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.09% → 4.15% ▲ 0.06 pts · high 4.15% / low 4.09%
3.59%4.12%4.65%Sep 18, 2026: 4.09% APYSep 24, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.09%
  • Sep 18, 20264.09%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
48 Month CD
$0
4.15% ▲ 1.56% above Kentucky avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.59%▲ 1.56% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.56% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.59%▲ 1.56% above avgNationally 2.80%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
48-Month IRA
$1,000
4.15% ▲ 1.56% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.59%▲ 1.56% above avgNationally 2.80%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
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
4.15% ▲ 1.56% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.59%▲ 1.56% above avgNationally 2.80%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15 George Huser Dr, Ft Wright, KY 41011 2670
Standard Certificates - 48 Months
$500
4.15% ▲ 1.56% above Kentucky avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.56% above avgNationally 2.80%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
48 Month IRA Certificate
$1,000
4.05% ▲ 1.46% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.59%▲ 1.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
48 Month Share Certificate
$1,000
4.05% ▲ 1.46% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.59%▲ 1.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Business Standard Share Certificate
$2,500
4.00% ▲ 1.41% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.41% above avgNationally 2.80%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Share Certificates with Rate Bump Option
$0
4.00% ▲ 1.41% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.41% above avgNationally 2.80%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 18, 2026: 3.35% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Traditional Standard Share Certificates
$0
4.00% ▲ 1.41% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.41% above avgNationally 2.80%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Standard Share Certificates - 48 Month
$0
4.00% ▲ 1.41% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.41% above avgNationally 2.80%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5935 Merchants St, Florence, KY 41042 1198
Certificate - 48 Months
$0
3.95% ▲ 1.36% above Kentucky avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 48 months
$500
3.82% ▲ 1.23% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.23% above avgNationally 2.80%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
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% ▲ 1.16% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.59%▲ 1.16% above avgNationally 2.80%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month Share Certificates with Rate Bump Option
$0
3.75% ▲ 1.16% above Kentucky avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.16% above avgNationally 2.80%
Details

Standard; Minimum balance to open and earn stated APY: $500/Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10%
2.45%3.43%4.40%Sep 18, 2026: 3.10% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
48 Month CD
$0
3.68% ▲ 1.09% above Kentucky avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.59%▲ 1.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 6 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 13, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 48 MONTH
$500
3.67% ▲ 1.08% above Kentucky avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.08% above avgNationally 2.80%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 3 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
48 Month Share/IRA Certificates
$0
3.60% ▲ 1.01% above Kentucky avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.01% above avgNationally 2.80%
Details

Rates effective as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYSep 29, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 48-Months
$0
3.60% ▲ 1.01% above Kentucky avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 1.01% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYSep 29, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2820 N York St, Owensboro, KY 42301 3344
4 Year Fixed IRA
$1,000
3.55% ▲ 0.96% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.59%▲ 0.96% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
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% ▲ 0.91% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.59%▲ 0.91% above avgNationally 2.80%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2820 N York St, Owensboro, KY 42301 3344
4 Year Certificate
$1,000
3.50% ▲ 0.91% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.59%▲ 0.91% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
48 Month IRA Certificate
$0
3.50% ▲ 0.91% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.59%▲ 0.91% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
48 Month Share Certificates
$0
3.50% ▲ 0.91% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.59%▲ 0.91% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
48 Month Share Certificate Accounts - Regular Accounts
$0
3.50% ▲ 0.91% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.59%▲ 0.91% above avgNationally 2.80%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 4 Year
$1,000
3.40% ▲ 0.81% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 0.81% above avgNationally 2.80%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 48 Month
$500
3.39% ▲ 0.80% above Kentucky avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 0.80% above avgNationally 2.80%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
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 Special
$500
3.31% ▲ 0.72% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.59%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.31% APY · checked 2 times
2.81%3.31%3.81%Oct 7, 2026: 3.31% APYOct 7, 2026Oct 13, 2026
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% ▲ 0.71% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.59%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 8, 2026: 3.30% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.71% above Kentucky avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.59%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 8, 2026: 3.30% APYSep 8, 2026Oct 13, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
4 Year Certificate
$0
3.30% ▲ 0.71% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.59%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1315 CANNONSBURG RD, ASHLAND, KY 41102
48 Month Share and IRA Certificates
$1,000
3.30% ▲ 0.71% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 0.71% above avgNationally 2.80%
Details

Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
48 month Certificate
$0
3.30% ▲ 0.71% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.59%▲ 0.71% above avgNationally 2.80%
Details

Subject to Change: Weekly

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
2.50%3.15%3.80%Sep 14, 2026: 3.00% APYOct 10, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.30%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
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% ▲ 0.66% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.59%▲ 0.66% above avgNationally 2.80%
Details

Monthly Payout

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
4 Year Certificate
$0
3.25% ▲ 0.66% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.59%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1207 Ashley Cir, Bowling Green, KY 42104 3383
4 Year Certificate
$500
3.25% ▲ 0.66% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.59%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.65% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.59%▲ 0.65% above avgNationally 2.80%
Details

Quarterly Payout

Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 6 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APYSep 14, 2026Oct 13, 2026
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
503 W Main St, Morehead, KY 40351 1539
Share Certificate (48 month)
$0
3.24% ▲ 0.65% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 0.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.24% APY · checked 5 times
2.74%3.24%3.74%Sep 21, 2026: 3.24% APYSep 21, 2026Oct 13, 2026
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% ▲ 0.64% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.59%▲ 0.64% above avgNationally 2.80%
Details

Semi-Annual Payout

Rate History
No change since Sep 14, 2026 · 3.23% APY · checked 6 times
2.73%3.23%3.73%Sep 14, 2026: 3.23% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.61% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.59%▲ 0.61% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1609 Campbell Ln, Bowling Green, KY 42104
48 Month High Yield Certificate
$500
3.15% ▲ 0.56% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.59%▲ 0.56% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 13, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 48 Month
$500
3.13% ▲ 0.54% above Kentucky avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.59%▲ 0.54% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.13% APY · checked 3 times
2.63%3.13%3.63%Sep 21, 2026: 3.13% APYSep 21, 2026Oct 13, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 48 Month
$500
3.13% ▲ 0.54% above Kentucky avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.59%▲ 0.54% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.13% APY · checked 3 times
2.63%3.13%3.63%Sep 21, 2026: 3.13% APYSep 21, 2026Oct 13, 2026

Kentucky 60 Month CD Rates

MonitorBankRates Kentucky Average · 60 Month CD2.78% APY▲ 0.01% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Kentucky is 2.78% APY, compared with 2.90% nationally, as of October 13, 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
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Certificate of Deposit - 5 Years
$500
4.50% ▲ 1.72% above Kentucky avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.78%▲ 1.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Individual Retirement Accounts - Fixed Rate - 60 Months
$500
4.50% ▲ 1.72% above Kentucky avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.78%▲ 1.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
60 Month Certificate
$500
4.50% ▲ 1.72% above Kentucky avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.78%▲ 1.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
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% ▲ 1.52% above Kentucky avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 1.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 20, 2026: 4.30% APYSep 20, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
60 Month CD
$0
4.25% ▲ 1.47% above Kentucky avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.78%▲ 1.47% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.47% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.78%▲ 1.47% above avgNationally 2.90%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
60-Month IRA
$1,000
4.25% ▲ 1.47% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.78%▲ 1.47% above avgNationally 2.90%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
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
4.25% ▲ 1.47% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.78%▲ 1.47% above avgNationally 2.90%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Business Jumbo Share Certificate
$35,000
4.25% ▲ 1.47% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.47% above avgNationally 2.90%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.47% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.47% above avgNationally 2.90%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Jumbo Share Certificates - 60 Month
$0
4.25% ▲ 1.47% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.47% above avgNationally 2.90%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15 George Huser Dr, Ft Wright, KY 41011 2670
Standard Certificates - 60 Months
$500
4.20% ▲ 1.42% above Kentucky avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.42% above avgNationally 2.90%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
60 Month Bump-Up Share Certificate
$5,000
4.05% ▲ 1.27% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.78%▲ 1.27% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Business Standard Share Certificate
$2,500
4.00% ▲ 1.22% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.22% above avgNationally 2.90%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Share Certificates with Rate Bump Option
$0
4.00% ▲ 1.22% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.22% above avgNationally 2.90%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 18, 2026: 3.45% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Traditional Standard Share Certificates
$0
4.00% ▲ 1.22% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.22% above avgNationally 2.90%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Standard Share Certificates - 60 Month
$0
4.00% ▲ 1.22% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.22% above avgNationally 2.90%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5935 Merchants St, Florence, KY 41042 1198
Certificate - 60 Months
$0
4.00% ▲ 1.22% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.22% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Oak Grove Shopping Center, Oak Grove, KY 42262 8361
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.12% above Kentucky avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.78%▲ 1.12% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Oak Grove Shopping Center, Oak Grove, KY 42262 8361
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.07% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.78%▲ 1.07% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1211 Carter Ave, Ashland, KY 41101 7514
Share Certificate - 60 months
$500
3.82% ▲ 1.04% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.04% above avgNationally 2.90%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 60 MONTH
$500
3.82% ▲ 1.04% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 1.04% above avgNationally 2.90%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.97% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.78%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
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% ▲ 0.97% above Kentucky avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.78%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month Share Certificates with Rate Bump Option
$0
3.75% ▲ 0.97% above Kentucky avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 0.97% above avgNationally 2.90%
Details

Standard; Minimum balance to open and earn stated APY: $500/Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.75% ▲ 0.55 pts · high 3.75% / low 3.20%
2.65%3.48%4.30%Sep 18, 2026: 3.20% APYOct 13, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
60 Month CD
$0
3.68% ▲ 0.90% above Kentucky avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.78%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 6 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 13, 2026
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
60 Month Share/IRA Certificates
$0
3.60% ▲ 0.82% above Kentucky avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 0.82% above avgNationally 2.90%
Details

Rates effective as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYSep 29, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Moore Dr, Frankfort, KY 40601 8295
Share/IRA Certificates - 60-Months
$0
3.60% ▲ 0.82% above Kentucky avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 0.82% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYSep 29, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2820 N York St, Owensboro, KY 42301 3344
5 Year Fixed IRA
$1,000
3.55% ▲ 0.77% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 0.77% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
35 Village Plz, Shelbyville, KY 40065
60 Month CD
$0
3.50% ▲ 0.72% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.78%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
2820 N York St, Owensboro, KY 42301 3344
5 Year Certificate
$1,000
3.50% ▲ 0.72% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
5 Year Certificate
$0
3.50% ▲ 0.72% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
5 Year IRA (Traditional/Roth)
$0
3.50% ▲ 0.72% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 0.72% above avgNationally 2.90%
Details

IRA share certificate

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
60 Month IRA Certificate
$0
3.50% ▲ 0.72% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.78%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Toyota Motor Manufacturing, Hebron, KY 41048
60 Month Share Certificates
$0
3.50% ▲ 0.72% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kentucky Average2.78%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 5 Year
$1,000
3.50% ▲ 0.72% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 0.72% above avgNationally 2.90%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
60 Month Share Certificate Accounts - Regular Accounts
$0
3.50% ▲ 0.72% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.78%▲ 0.72% above avgNationally 2.90%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 60 Month
$500
3.49% ▲ 0.71% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 0.71% above avgNationally 2.90%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 7 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1315 CANNONSBURG RD, ASHLAND, KY 41102
60 Month Share and IRA Certificates
$1,000
3.41% ▲ 0.63% above Kentucky avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 0.63% above avgNationally 2.90%
Details

Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.57% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 0.57% above avgNationally 2.90%
Details

Monthly Payout

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1207 Ashley Cir, Bowling Green, KY 42104 3383
5 Year Certificate
$500
3.35% ▲ 0.57% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.78%▲ 0.57% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.56% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 0.56% above avgNationally 2.90%
Details

Quarterly Payout

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.55% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 0.55% above avgNationally 2.90%
Details

Semi-Annual Payout

Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 6 times
2.83%3.33%3.83%Sep 14, 2026: 3.33% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.52% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.78%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
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 Special
$500
3.29% ▲ 0.51% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.78%▲ 0.51% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 7, 2026: 3.29% APYOct 7, 2026Oct 13, 2026
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% ▲ 0.47% above Kentucky avg
View
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kentucky Average2.78%▲ 0.47% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 13, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
60 month Certificate
$0
3.20% ▲ 0.42% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kentucky Average2.78%▲ 0.42% above avgNationally 2.90%
Details

Subject to Change: Weekly

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00%
2.50%3.10%3.70%Sep 14, 2026: 3.00% APYOct 10, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.20%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 60 Month
$500
3.18% ▲ 0.40% above Kentucky avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.78%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Sep 21, 2026 · 3.18% APY · checked 3 times
2.68%3.18%3.68%Sep 21, 2026: 3.18% APYSep 21, 2026Oct 13, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 60 Month
$500
3.18% ▲ 0.40% above Kentucky avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.78%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Sep 21, 2026 · 3.18% APY · checked 3 times
2.68%3.18%3.68%Sep 21, 2026: 3.18% APYSep 21, 2026Oct 13, 2026
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1609 Campbell Ln, Bowling Green, KY 42104
60 Month High Yield Certificate
$500
3.15% ▲ 0.37% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.78%▲ 0.37% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 13, 2026
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.

Top CD Rates from Kentucky Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Central Bank & Trust Company
Certificate of Deposit - 5 Years
A+ 5.0 ★ TX: 1.26%
Min: $500
4.50%
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
Lincoln Bank of Hodgenville
18 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.54%
Min: $500
4.35%
Citizens Bank & Trust Company KY
3 Year Certificate of Deposit
A+ 5.0 ★ TX: 2.58%
Min: $500
4.30%
WMB Wilson & Muir B&T Co.
18 Month IRA (Variable Rate)
A+ 4.9 ★ TX: 2.62%
Min: $0
4.29%
CU Top 5 Credit Union Rates
Commonwealth Credit Union Frankfort, KY
Traditional Grow with Me 12-Month Certificate
A+ 5.0 ★ TX: 5.31%
Min: $250
5.25%
Y-12 Federal Credit Union
12 Month Business Share Certificates PROMO
A+ 5.0 ★ TX: 3.67%
Min: $50,000
4.75%
Louisville Federal Credit Union
Share Certificate - 1 Year
A+ 5.0 ★ TX: 1.10%
Min: $1,000
4.50%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Louisville Gas & Electric Company Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 2.50%
Min: $0
4.33%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Kentucky CD Trends
12-Month CD KY Avg
3.035%
▼ 0.020 vs 7 days ago

Kentucky 12-month CD rates fell 0.020 points over the past 7 days to 3.035% APY.

6-Month CD KY Avg
2.650%
▲ 0.032 vs 7 days ago

Kentucky 6-month CD rates rose 0.032 points over the past 7 days to 2.650% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

KY CD Rate Forecast, Next 12 Months

Where are Kentucky CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

KY 12-Month Avg APY
3.035%
6-Month Forecast
3.035%
Range: 2.84%, 3.19%
12-Month Forecast
3.285%
Range: 3.09%, 3.44%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Kentucky average 12-month CD APY in our database.

Spread model: The Kentucky 12-month CD average currently trades 1.34% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.785% $89.26 $178.51 $446.28 $892.55
6-Month CD 2.650% $132.51 $265.01 $662.53 $1,325.05
12-Month CD 3.035% $151.75 $303.50 $758.75 $1,517.50
18-Month CD 2.805% $140.27 $280.53 $701.32 $1,402.65
24-Month CD 2.893% $144.63 $289.25 $723.13 $1,446.25
36-Month CD 2.801% $140.03 $280.06 $700.15 $1,400.30
48-Month CD 2.587% $129.33 $258.66 $646.65 $1,293.30
60-Month CD 2.780% $139.01 $278.01 $695.03 $1,390.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit KY Avg APY Annual Earnings
1 3-Month CD $5,000 1.785% $89.26
2 6-Month CD $5,000 2.650% $132.51
3 12-Month CD $5,000 3.035% $151.75
4 24-Month CD $5,000 2.893% $144.63
5 36-Month CD $5,000 2.801% $140.03
Total ($25,000 invested) $25,000 2.633% blended $658.18/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.

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765
CD Rates
Tracked in Kentucky
43 Banks 42 Credit Unions

About Our Kentucky CD Rate Database

MonitorBankRates tracks 765 CD rates from 43 banks and 42 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 to 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 5.25% APY with a minimum deposit of $250. 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 42 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: 85 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
$123/yr
At KY 12-mo avg 3.035% 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 3.035%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $123 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 to 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, Y-12 Federal Credit Union is offering its 6 Month Business Share Certificates PROMO at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Central Bank & Trust Company is offering its Certificate of Deposit - 5 Years at 4.50% 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:
  • Commonwealth Credit Union Frankfort, KY: 5.25% APY (Traditional Grow with Me 12-Month Certificate)
  • Y-12 Federal Credit Union: 4.75% APY (12 Month Business Share Certificates PROMO)
  • Central Bank & Trust Company: 4.50% APY (Certificate of Deposit - 5 Years)
  • Louisville Federal Credit Union: 4.50% APY (Share Certificate - 1 Year)
  • SFGI Direct: 4.40% APY (18-Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • 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)
  • WMB Wilson & Muir B&T Co.: 4.29% APY (18 Month IRA (Variable Rate))
Rates reflect recent verified offers available in Kentucky. Last Updated: October 13, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Kentucky CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Kentucky. Averages shown use the Kentucky state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Kentucky

Kentucky CD Calculator

At today’s KY top rate of 5.25% APY, a $10,000 deposit earns $525 in the first year. Enter your amount to see your exact return.

Kentucky CD Ladder

KY CD rates currently range from 1.785% (3-month) to 2.801% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Kentucky CD at 5.25% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Kentucky’s average 12-month CD is 3.035% 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: October 13, 2026

Kentucky Rates & Resources

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Cities in Kentucky

  • Aberdeen
  • Adairville
  • Adams
  • Adolphus
  • Ages Brookside
  • Albany
  • Alexandria
  • Allegre
  • Allen
  • Allensville
  • Almo
  • Alpha
  • Alvaton
  • Anchorage
  • Annville
  • Argillite
  • Arjay
  • Arlington
  • Artemus
  • Ary
  • Ashcamp
  • Asher
  • Ashland
  • Athol
  • Auburn
  • Audubon Park
  • Augusta
  • Austin
  • Auxier
  • Avawam
  • Bagdad
  • Bakerton
  • Bancroft
  • Bandana
  • Banner
  • Barbourmeade
  • Barbourville
  • Bardstown
  • Bardwell
  • Barlow
  • Baskett
  • Battletown
  • Baxter
  • Bays
  • Bear Branch
  • Beattyville
  • Beaumont
  • Beauty
  • Beaver
  • Beaver Dam
  • Bedford
  • Bee Spring
  • Beech Creek
  • Beech Grove
  • Beechmont
  • Beechwood Village
  • Belcher
  • Belfry
  • Bellefonte
  • Bellemeade
  • Bellevue
  • Bellewood
  • Belton
  • Benham
  • Benton
  • Berea
  • Berry
  • Bethany
  • Bethelridge
  • Bethlehem
  • Betsy Layne
  • Beverly
  • Bevinsville
  • Big Clifty
  • Big Creek
  • Big Laurel
  • Big Spring
  • Bighill
  • Bimble
  • Blackey
  • Blackford
  • Blaine
  • Blandville
  • Bledsoe
  • Bloomfield
  • Blue Ridge Manor
  • Blue River
  • Boaz
  • Bonnieville
  • Bonnyman
  • Booneville
  • Boons Camp
  • Boston
  • Bowling Green
  • Bradfordsville
  • Brandenburg
  • Breeding
  • Bremen
  • Briarwood
  • Brodhead
  • Broeck Pointe
  • Bromley
  • Bronston
  • Brooklyn
  • Brooks
  • Brooksville
  • Browder
  • Brownsboro Farm
  • Brownsboro Village
  • Brownsville
  • Bryants Store
  • Bryantsville
  • Buckhorn
  • Buckner
  • Buffalo
  • Bulan
  • Burdine
  • Burgin
  • Burkesville
  • Burlington
  • Burna
  • Burnside
  • Bush
  • Busy
  • Butler
  • Bypro
  • Cadiz
  • Calhoun
  • California
  • Calvert City
  • Calvin
  • Camargo
  • Cambridge
  • Camp Dix
  • Campbellsburg
  • Campbellsville
  • Campton
  • Canada
  • Cane Valley
  • Caneyville
  • Canmer
  • Cannel City
  • Cannon
  • Carlisle
  • Carrie
  • Carrollton
  • Carrsville
  • Carter
  • Catlettsburg
  • Cave City
  • Cawood
  • Cecilia
  • Center
  • Centertown
  • Central City
  • Cerulean
  • Chaplin
  • Chappell
  • Chavies
  • Cisco
  • Clarkson
  • Clay
  • Clay City
  • Clayhole
  • Clearfield
  • Cleaton
  • Clermont
  • Clifty
  • Clinton
  • Closplint
  • Cloverport
  • Coal Run Village
  • Coalgood
  • Cold Spring
  • Coldiron
  • Coldstream
  • Columbia
  • Columbus
  • Combs
  • Concord
  • Confluence
  • Corbin
  • Corinth
  • Cornettsville
  • Corydon
  • Covington
  • Coxs Creek
  • Crab Orchard
  • Cranks
  • Crayne
  • Creekside
  • Crescent Springs
  • Crestview
  • Crestview Hills
  • Crestwood
  • Crittenden
  • Crockett
  • Crofton
  • Cromona
  • Cromwell
  • Crossgate
  • Cub Run
  • Cumberland
  • Cunningham
  • Curdsville
  • Custer
  • Cynthiana
  • Dabolt
  • Dana
  • Danville
  • David
  • Dawson Springs
  • Dayhoit
  • Dayton
  • De Mossville
  • Deane
  • Debord
  • Delphia
  • Dema
  • Denniston
  • Denton
  • Denver
  • Dewitt
  • Dexter
  • Dice
  • Dixon
  • Dorton
  • Douglass Hills
  • Dover
  • Drake
  • Drakesboro
  • Drift
  • Druid Hills
  • Dry Ridge
  • Dubre
  • Dunbar
  • Dundee
  • Dunmor
  • Dunnville
  • Dwale
  • Dwarf
  • Dycusburg
  • Earlington
  • East Bernstadt
  • East Point
  • Eastern
  • Eastview
  • Eastwood
  • Eddyville
  • Edgewood
  • Edmonton
  • Edna
  • Eighty Eight
  • Ekron
  • Elizabethtown
  • Elizaville
  • Elk Horn
  • Elkfork
  • Elkhorn City
  • Elkton
  • Elliottville
  • Elsie
  • Elsmere
  • Emerson
  • Eminence
  • Emlyn
  • Emmalena
  • Eolia
  • Eriline
  • Erlanger
  • Ermine
  • Essie
  • Etoile
  • Eubank
  • Evarts
  • Ewing
  • Ezel
  • Fairdale
  • Fairfield
  • Fairplay
  • Fairview
  • Falcon
  • Fall Rock
  • Falls Of Rough
  • Falmouth
  • Fancy Farm
  • Farmers
  • Farmington
  • Fedscreek
  • Ferguson
  • Fincastle
  • Finchville
  • Firebrick
  • Fisherville
  • Fisty
  • Flat Lick
  • Flatgap
  • Flatwoods
  • Fleming-Neon
  • Flemingsburg
  • Florence
  • Ford
  • Fords Branch
  • Fordsville
  • Forest Hills
  • Fort Campbell
  • Fort Knox
  • Fort Mitchell
  • Fort Thomas
  • Fort Wright
  • Foster
  • Fountain Run
  • Fourmile
  • Fox Chase
  • Frakes
  • Frankfort
  • Franklin
  • Fredonia
  • Freeburn
  • Frenchburg
  • Ft Mitchell
  • Fulton
  • Gamaliel
  • Gapville
  • Garfield
  • Garner
  • Garrard
  • Garrett
  • Garrison
  • Gays Creek
  • Georgetown
  • Germantown
  • Ghent
  • Gilbertsville
  • Girdler
  • Glasgow
  • Glencoe
  • Glendale
  • Glens Fork
  • Glenview
  • Glenview Hills
  • Glenview Manor
  • Goose Creek
  • Goose Rock
  • Gordon
  • Goshen
  • Gracey
  • Gradyville
  • Graham
  • Grahn
  • Grand Rivers
  • Gratz
  • Gravel Switch
  • Gray
  • Gray Hawk
  • Graymoor-Devondale
  • Grays Knob
  • Grayson
  • Green Road
  • Green Spring
  • Greensburg
  • Greenup
  • Greenville
  • Grethel
  • Gulston
  • Gunlock
  • Guston
  • Guthrie
  • Hadley
  • Hagerhill
  • Haldeman
  • Halfway
  • Hallie
  • Hamlin
  • Hampton
  • Hanson
  • Happy
  • Hardburly
  • Hardin
  • Hardinsburg
  • Hardy
  • Hardyville
  • Harlan
  • Harned
  • Harold
  • Harrods Creek
  • Harrodsburg
  • Hartford
  • Hawesville
  • Hazard
  • Hazel
  • Hazel Green
  • Hebron
  • Hebron Estates
  • Heidelberg
  • Heidrick
  • Hellier
  • Helton
  • Henderson
  • Heritage Creek
  • Herndon
  • Hestand
  • Hi Hat
  • Hickman
  • Hickory
  • Hickory Hill
  • Highland Heights
  • Hills and Dales
  • Hillsboro
  • Hillview
  • Hima
  • Hindman
  • Hinkle
  • Hiseville
  • Hitchins
  • Hodgenville
  • Holland
  • Hollow Creek
  • Hollyvilla
  • Holmes Mill
  • Hope
  • Hopkinsville
  • Horse Branch
  • Horse Cave
  • Hoskinston
  • Houston Acres
  • Huddy
  • Hudson
  • Hueysville
  • Hulen
  • Hunters Hollow
  • Huntsville
  • Hurstbourne
  • Hurstbourne Acres
  • Hustonville
  • Hyden
  • Independence
  • Indian Hills
  • Inez
  • Ingram
  • Irvine
  • Irvington
  • Island
  • Island City
  • Isom
  • Isonville
  • Ivel
  • Ivyton
  • Jackhorn
  • Jackson
  • Jacobs
  • Jamestown
  • Jeff
  • Jeffersontown
  • Jeffersonville
  • Jenkins
  • Jeremiah
  • Jetson
  • Jonancy
  • Jonesville
  • Junction City
  • Keaton
  • Keavy
  • Keene
  • Kenton
  • Kenton Vale
  • Kenvir
  • Kettle Island
  • Kevil
  • Kimper
  • Kings Mountain
  • Kingsley
  • Kirksey
  • Kite
  • Knifley
  • Knob Lick
  • Krypton
  • Kuttawa
  • La Center
  • La Fayette
  • La Grange
  • Lackey
  • Lakeside Park
  • Lakeview Heights
  • Lancaster
  • Langdon Place
  • Langley
  • Latonia
  • Lawrenceburg
  • Leander
  • Lebanon
  • Lebanon Junction
  • Leburn
  • Ledbetter
  • Lee City
  • Leitchfield
  • Lejunior
  • Lerose
  • Letcher
  • Lewisburg
  • Lewisport
  • Lexington
  • Lexington-Fayette
  • Liberty
  • Lick Creek
  • Lily
  • Lincolnshire
  • Lindseyville
  • Linefork
  • Littcarr
  • Livermore
  • Livingston
  • Lloyd
  • Lockport
  • London
  • Lone
  • Lookout
  • Loretto
  • Lost Creek
  • Louisa
  • Louisville
  • Lovelaceville
  • Lovely
  • Lowes
  • Lowmansville
  • Loyall
  • Lucas
  • Ludlow
  • Lynch
  • Lyndon
  • Lynnview
  • Lynnville
  • Maceo
  • Mackville
  • Madisonville
  • Magnolia
  • Majestic
  • Mallie
  • Malone
  • Mammoth Cave
  • Manchester
  • Manitou
  • Mannsville
  • Manor Creek
  • Maple Mount
  • Marion
  • Marrowbone
  • Marshes Siding
  • Martha
  • Martin
  • Mary Alice
  • Marydell
  • Maryhill Estates
  • Mason
  • Masonic Home
  • Mayfield
  • Mayking
  • Mayslick
  • Maysville
  • Mazie
  • McAndrews
  • McCarr
  • McDaniels
  • McDowell
  • McHenry
  • McKee
  • McKinney
  • McQuady
  • McRoberts
  • McVeigh
  • Meadow Vale
  • Meadowbrook Farm
  • Meadowview Estates
  • Meally
  • Means
  • Melber
  • Melbourne
  • Melvin
  • Mentor
  • Middleburg
  • Middlesboro
  • Middlesborough
  • Middletown
  • Midway
  • Milburn
  • Milford
  • Mill Springs
  • Millersburg
  • Millstone
  • Milltown
  • Millwood
  • Milton
  • Minerva
  • Minnie
  • Miracle
  • Mistletoe
  • Mitchellsburg
  • Mize
  • Mockingbird Valley
  • Monterey
  • Monticello
  • Moorefield
  • Moorland
  • Morehead
  • Morganfield
  • Morgantown
  • Morning View
  • Mortons Gap
  • Mount Eden
  • Mount Hermon
  • Mount Olivet
  • Mount Sherman
  • Mount Sterling
  • Mount Vernon
  • Mount Washington
  • Mousie
  • Mouthcard
  • Mozelle
  • Muldraugh
  • Munfordville
  • Murray
  • Murray Hill
  • Muses Mills
  • Myra
  • Nancy
  • Nazareth
  • Nebo
  • Neon
  • Nerinx
  • Nevisdale
  • New Castle
  • New Concord
  • New Haven
  • New Hope
  • New Liberty
  • Newport
  • Nicholasville
  • Norbourne Estates
  • North Middletown
  • Northfield
  • Nortonville
  • Norwood
  • Oak Grove
  • Oakland
  • Oil Springs
  • Olaton
  • Old Brownsboro Place
  • Olive Hill
  • Olmstead
  • Olympia
  • Oneida
  • Ophir
  • Orchard Grass Hills
  • Orlando
  • Owensboro
  • Owenton
  • Owingsville
  • Paducah
  • Paint Lick
  • Paintsville
  • Paris
  • Park City
  • Park Hills
  • Parkers Lake
  • Parksville
  • Parkway Village
  • Partridge
  • Pathfork
  • Payneville
  • Pellville
  • Pembroke
  • Pendleton
  • Penrod
  • Peoples
  • Perry Park
  • Perryville
  • Petersburg
  • Pewee Valley
  • Phelps
  • Philpot
  • Phyllis
  • Pikeville
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