Kentucky CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current Kentucky CD rates include General Electric Credit UnionGeneral Electric Credit Union124 Marshall Ln, Highland Heights, KY 41076 1440A5.0 ★Texas Ratio: 6.82%Real return: +2.19%APY minus CPI (February 2026) offering 6-month intro Certificate at 4.99% APY, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit Union820 W Broadway, Louisville, KY 40202A+5.0 ★Texas Ratio: 1.42%Real return: +1.53%APY minus CPI (February 2026) offering 6 Month at 4.33% APY, CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY 40219 1917A+5.0 ★Texas Ratio: 4.37%Real return: +1.35%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.15% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionToyota Motor Manufacturing, Hebron, KY 41048B4.4 ★Texas Ratio: 17.71%Real return: +1.32%APY minus CPI (February 2026) offering 36-Month Variable IRA Certificate at 4.12% APY, and Bank of LexingtonBank of Lexington761 Corporate Dr, Lexington, KY 40503A+5.0 ★Texas Ratio: 1.22%Real return: +1.30%APY minus CPI (February 2026) offering 12-month certificate of deposit special at 4.10% APY. CD rates as of July 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Kentucky side-by-side. Kentucky CD rates currently reach as high as 4.99% APY from General Electric Credit Union at 124 Marshall Ln, Highland Heights, KY 41076 1440. Rates are continually updated — 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: July 12, 2026
Compare Best CD Rates in Kentucky
Kentucky 3 Month CD Rates
Subject to Change: Weekly
Regular Accounts
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Compound Frequency: At Maturity; Early Withdrawal Penalty: 1 Month
APY is Annual Percentage Yield. DR is Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Kentucky 6 Month CD Rates
Introductory offer
Regular Accounts
Special CD. APY*
Limited-Time Offer; New money deposits only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 10/29/25 and is subject to change on the Bank's discretion.
Compound Frequency: At Maturity; Early Withdrawal Penalty: 3 Month
Subject to Change: Weekly
TruBlue Rate: 1.74%, TruBlue APY: 1.75%
These are fixed rate certificate, IRA, and HSA requirements.
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Jumbo Certificate
APY is Annual Percentage Yield. DR is Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Fees may affect earnings. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
Kentucky 12 Month CD Rates
Regular Accounts
A penalty will be imposed for early withdrawal. Rates subject to change without notice.
Interest paid monthly
Interest paid quarterly
Interest paid semi-annually
DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Fees may affect earnings. Other rates and terms are available. There is a penalty for early withdrawal. Minimum balance to receive advertised rate is $500.
Minimum balance to earn APY: $100,000, $40,000, $100
Subject to Change: Weekly
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 3 Months
TruBlue Rate: 2.23%, TruBlue APY: 2.25%
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Annual percentage yield is based on interest compounding daily.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
Kentucky 18 Month CD Rates
Minimum balance to earn APY: $100,000, $40,000, $100
Variable Rate
Regular Accounts
Interest paid monthly
Interest paid quarterly
Interest paid semi-annually
Jumbo Certificate
APY is Annual Percentage Yield. DR is Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Fees may affect earnings. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
Subject to Change: Weekly
TruBlue Rate: 2.23%, TruBlue APY: 2.25%
These are fixed rate certificate, IRA, and HSA requirements.
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
APY based on interest compounding quarterly.
Kentucky 24 Month CD Rates
Limited Time Only
Minimum balance to earn APY: $100,000, $40,000, $100
A penalty will be imposed for early withdrawal. Rates subject to change without notice.
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Regular Accounts
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Interest paid monthly
Interest paid quarterly
Interest paid semi-annually
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
Subject to Change: Weekly
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
Jumbo Certificate
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Fees may affect earnings. Other rates and terms are available. There is a penalty for early withdrawal.
Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
TruBlue Rate: 2.23%, TruBlue APY: 2.25%
Kentucky 36 Month CD Rates
Minimum balance to earn APY: $100,000, $40,000, $100
Minimum balance to earn APY: $100,000, $40,000, $100
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Regular Accounts
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Interest paid monthly
Interest paid quarterly
Interest paid semi-annually
Subject to Change: Weekly
TruBlue Rate: 2.47%, TruBlue APY: 2.50%
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
APY based on interest compounding quarterly.
Kentucky 48 Month CD Rates
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Minimum balance to earn APY: $100,000, $40,000, $100
Regular Accounts
Interest paid monthly
Interest paid quarterly
Interest paid semi-annually
Subject to Change: Weekly
TruBlue Rate: 2.71%, TruBlue APY: 2.75%
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
Kentucky 60 Month CD Rates
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Minimum balance to earn APY: $100,000, $40,000, $100
Regular Accounts
Interest paid monthly
Interest paid quarterly
Interest paid semi-annually
Subject to Change: Weekly
TruBlue Rate: 2.81%, TruBlue APY: 2.85%
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
APY based on interest compounding quarterly.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Kentucky CD Rate Trends
Compare local Kentucky CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Kentucky 12-month CD rates fell 0.509 points over the past 7 days to 1.964% APY.
Kentucky 6-month CD rates fell 0.187 points over the past 7 days to 1.660% APY.
KY CD Rate Forecast — Next 12 Months
Where are Kentucky CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.259% | $62.95 | $125.90 | $314.75 | $629.50 |
| 6-Month CD | 1.660% | $83.00 | $165.99 | $414.98 | $829.95 |
| 12-Month CD | 1.964% | $98.18 | $196.36 | $490.90 | $981.80 |
| 18-Month CD | 2.307% | $115.36 | $230.72 | $576.80 | $1,153.60 |
| 24-Month CD | 2.404% | $120.20 | $240.39 | $600.98 | $1,201.95 |
| 36-Month CD | 2.338% | $116.89 | $233.78 | $584.45 | $1,168.90 |
| 48-Month CD | 2.038% | $101.92 | $203.84 | $509.60 | $1,019.20 |
| 60-Month CD | 2.273% | $113.63 | $227.25 | $568.13 | $1,136.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 12, 2026. | |||||
Sample CD Ladder for Kentucky Savers
$25,000 split equally across 5 terms using today’s Kentucky average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | KY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.259% | $62.95 |
| 2 | 6-Month CD | $5,000 | 1.660% | $83.00 |
| 3 | 12-Month CD | $5,000 | 1.964% | $98.18 |
| 4 | 24-Month CD | $5,000 | 2.404% | $120.20 |
| 5 | 36-Month CD | $5,000 | 2.338% | $116.89 |
| Total ($25,000 invested) | $25,000 | 1.925% blended | $481.22/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.
Tracked in Kentucky
About Our Kentucky CD Rate Database
MonitorBankRates tracks 342 CD rates from 20 banks and 15 credit unions with locations in Kentucky, plus national online institutions available to Kentucky residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: General Electric Credit Union offers a CD at 4.99% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Kentucky.
How to Find the Best CD Rates in Kentucky
What to compare when shopping for a CD in Kentucky
To find the best APYs in Kentucky, start with credit unions and online-only banks — Kentucky has 15 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 — 35 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Kentucky savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Kentucky money market rates
Kentucky Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
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 1.964%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $80 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Kentucky
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Kentucky
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Kentucky typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Kentucky as everywhere in the U.S.
Choosing a CD Term in Kentucky
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Kentucky savers easier access to their funds. For example, General Electric Credit Union is offering its 6-month intro Certificate at 4.99% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Liberty Federal Credit Union is offering its 5 Year Fixed HSA at 3.55% 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?
Do I have to pay state taxes on CD interest in Kentucky?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Kentucky?
- General Electric Credit Union: 4.99% APY (6-month intro Certificate)
- Louisville Gas & Electric Company Credit Union: 4.33% APY (6 Month)
- CLASS ACT: 4.15% APY (IRA Certificate 12 Month)
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable IRA Certificate)
- Bank of Lexington: 4.10% APY (12-month certificate of deposit special)
- Meade County Bank: 4.10% APY (6-month Certificate of Deposit)
- C-Plant Federal Credit Union: 4.07% APY (24 Month Certificate)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Account 6 Month)
- Sonata Bank: 4.05% APY (6-Month CD)
- KUE Federal Credit Union: 4.00% APY (6 Month)
CD Calculators for Kentucky
At today’s KY top rate of 4.99% APY, a $10,000 deposit earns $499 in the first year. Enter your amount to see your exact return.
Kentucky CD LadderKY CD rates currently range from 1.259% (3-month) to 2.338% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Kentucky CD at 4.99% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsKentucky’s average 12-month CD is 1.964% 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.
Cities in Kentucky
