CD Rates Athol, Kentucky (KY) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Athol, Kentucky CD rates include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KYA+5.0 ★Texas Ratio: 2.66%Real return: +2.25%APY minus CPI (February 2026) offering Grow with Me 12-Month Certificate at 5.05% APY, Louisville Federal Credit UnionLouisville Federal Credit UnionA+5.0 ★Texas Ratio: 1.06%Real return: +1.70%APY minus CPI (February 2026) offering 6 Mo. Share Certificate at 4.50% APY, CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 0.00%Real return: +1.50%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.30% APY, American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.A+5.0 ★Texas Ratio: 1.55%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.10% APY, and Peoples Bank Lebanon, KYPeoples Bank Lebanon, KYA+5.0 ★Texas Ratio: 0.00%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month CD at 4.07% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Athol is a smaller community with no bank or credit union branches currently in our database. 183 institutions serving the Kentucky area are available to Athol residents, with CD rates as high as 5.05% APY from Commonwealth Credit Union Frankfort, KY. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026
Compare Best CD Rates in Athol, Kentucky & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
91 Day (3 Month) Certificates of Deposit & Individual Retirement Account
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
3-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
90 Day Fixed Rate CDS
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Short Term Deposit - Certificate of Deposit (CDs) Fixed 3 mo.
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
90 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Regular Accounts
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Jumbo Certificate
$100,000
1.00%
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Month Certificates of Deposits
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Mo. Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Regular Accounts
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
6-month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
6 Month Share Certificates
$0
3.74%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
6-Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 6 Month Jumbo
$35,000
3.55%
▼
Rate3.49%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
New Money Only
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Short Term Deposit - Certificate of Deposit (CDs) Fixed 6 mo.
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 6 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6 Month Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6 month IRA Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
Add-On Certificate (6 month)
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
180 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6 Month Fixed Rate Jumbo IRA
$100,000
1.51%
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
DreamBuilder 6 Month Certificate
$100
0.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Share Certificate
$0
0.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
182 Day (6 Month) Certificates of Deposit & Individual Retirement Account
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Grow with Me 12-Month Certificate
$0
5.05%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
This account is available only for members under 18 years of age. Accounts may be opened between October 1 and October 31 each year.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 12 Month
$1,000
4.30%
▼
Rate4.22%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Certificate of Deposit
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
1 Year Certificate
$1,000
3.91%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12 Month Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Short Term Deposit - Certificate of Deposit (CDs) Fixed 12 mo.
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Terms and conditions apply. Click below for details.
Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificates of Deposit
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
CD Management Account (1 year -variable rate)
$0
3.59%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Monthly
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Fees may reduce earnings.
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
12-MONTH IRA (VARIABLE)
$0
3.51%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 12 Month Jumbo
$35,000
3.50%
▼
Rate3.44%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
12 Month Share Certificates
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
1-Year Jumbo Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
13 Month (1 Year, 1 Month) Certificates of Deposit & Individual Retirement Account
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
1 Year CD
$500
3.28%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 12 Month
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
12 Month Certificate of Deposit
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12 month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$1,000
2.40%
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
1 Year Fixed Rate Jumbo IRA
$100,000
1.75%
▼
Rate1.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
12 Month Fixed IRA
$50
1.00%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1-Year Certificate (365 Days)
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Share Certificate
$0
0.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
12 Month Certificate of Deposit
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 Month Certificate of Deposit
$1,000
0.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Certificates of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Short Term Deposit - Certificate of Deposit (CDs) Fixed 18 mo.
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
18 Month IRA (Variable Rate)**
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Regular Accounts
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
18-Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Monthly
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 18 Month
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month Share Certificates
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Month Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA 18 Month Fixed
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Share Certificate
$0
0.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
18 Month CD
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
18 Month (1 1/2 Year) Certificates of Deposit & Individual Retirement Account
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Certificate of Deposit
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 24 Month Jumbo
$35,000
3.60%
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
2-Year Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Share Certificate (24-month)
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Regular Accounts
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 24 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Share Certificates
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
2 Year Share Certificates
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2 Year CD
$500
3.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Monthly
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
24 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2 Year Bump Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
24 Month Certificate of Deposit
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
24 Month CD
$1,000
0.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Share Certificate
$0
0.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
24 Month Certificate of Deposit
$1,000
0.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
30 Month*** (2 1/2 Year) Certificates of Deposit & Individual Retirement Account
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 36 Month Jumbo
$35,000
3.60%
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Long Term Deposit - Certificate of Deposit (CDs) Fixed 36 mo.
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Share Certificate (36-month)
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Regular Accounts
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
36 Month Share Certificates
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Year Share Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
3-Year Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Monthly
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
3 Year Certificate
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3 Year Fixed Rate CDS
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
36 Month Certificates of Deposits
$1,000
2.25%
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Year Bump Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3-Year Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Share Certificate
$0
0.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36 Month Certificates of Deposit
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
36 Month CD
$1,000
0.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36 Month Certificate of Deposit
$1,000
0.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
36 Month (3 Year) Certificates of Deposit & Individual Retirement Account
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 48 Month Jumbo
$35,000
3.60%
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Long Term Deposit - Certificate of Deposit (CDs) Fixed 48 mo.
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 48 Month
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Monthly
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4 Year Fixed Rate CDS
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
48 month IRA Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
4 Year Certificate
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
4 Year Fixed Rate Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
48 Month Certificates of Deposits
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48 Month Certificates of Deposit
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Certificate of Deposit
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
48 Month (4 Year) Certificates of Deposit & Individual Retirement Account
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
48 Month Certificate of Deposit
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Long Term Deposit - Certificate of Deposit (CDs) Fixed 60 mo.
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Certificate 60 Month Jumbo
$35,000
3.70%
▼
Rate3.64%
Min Deposit$35,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
60-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5 Year Share Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Monthly
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate of Deposit
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
5-Year Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
5 Year Fixed Rate CDS
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
60 month IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
5 Year Certificate
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month Certificate of Deposit
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Share Certificate
$0
0.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
60 Month CD
$1,000
0.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
60 Month Certificates of Deposit
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
60 Month (5 Year) Certificates of Deposit & Individual Retirement Account
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Athol, KY CD Rate Trends
Compare local Athol, KY CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — KY Avg
2.597%
Unchanged vs 7 days ago
Kentucky 12-month CD rates currently average 2.597% APY based on data from institutions in our monitoring network.
6-Month CD — KY Avg
2.597%
Unchanged vs 7 days ago
Kentucky 6-month CD rates currently average 2.597% APY based on data from institutions in our monitoring network.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
KY CD Rate Forecast — Next 12 Months
Where are Kentucky CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KY 12-Month Avg APY
2.597%
6-Month Forecast
2.597%
Range: 2.40% – 2.75%
12-Month Forecast
2.347%
Range: 2.15% – 2.50%
Powered by
MonitorBankRates
What Your Savings Earn at KY CD Rates Today
Annual interest earnings at today’s Kentucky average APYs. State average used where available; national average as fallback.
| CD Term | KY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.648% | $82.38 | $164.75 | $411.88 | $823.75 |
| 6-Month CD | 2.597% | $129.87 | $259.74 | $649.35 | $1,298.70 |
| 12-Month CD | 2.597% | $129.87 | $259.74 | $649.35 | $1,298.70 |
| 18-Month CD | 2.583% | $129.17 | $258.34 | $645.85 | $1,291.70 |
| 24-Month CD | 2.573% | $128.64 | $257.27 | $643.18 | $1,286.35 |
| 36-Month CD | 2.582% | $129.11 | $258.22 | $645.55 | $1,291.10 |
| 48-Month CD | 2.654% | $132.72 | $265.43 | $663.58 | $1,327.15 |
| 60-Month CD | 2.684% | $134.21 | $268.41 | $671.03 | $1,342.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Athol, 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 | 1.648% | $82.38 |
| 2 | 6-Month CD | $5,000 | 2.597% | $129.87 |
| 3 | 12-Month CD | $5,000 | 2.597% | $129.87 |
| 4 | 24-Month CD | $5,000 | 2.573% | $128.64 |
| 5 | 36-Month CD | $5,000 | 2.582% | $129.11 |
| Total ($25,000 invested) | $25,000 | 2.399% blended | $599.87/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.
46
Institutions
in Athol, Kentucky
in Athol, Kentucky
27 Banks
19 Credit Unions
About Our Athol, Kentucky CD Rate Database
MonitorBankRates tracks CD rates from 27 banks and 19 credit unions with locations in Athol, Kentucky, plus national online institutions available to Kentucky residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Commonwealth Credit Union Frankfort, KY offers a CD at 5.05% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Athol, Kentucky.
How to Find the Best CD Rates in Athol, Kentucky
What to compare when shopping for a CD in Athol, Kentucky
To find the best APYs in Athol, Kentucky, start with credit unions and online-only banks — Athol, Kentucky has 19 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 Athol, 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 Athol, Kentucky — 46 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Athol, Kentucky savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Athol, Kentucky money market rates
Kentucky Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$106/yr
At KY 12-mo avg 2.597% APY
17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s KY 12-month CD average of 2.597%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $106 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 Athol, Kentucky
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Athol, Kentucky
Are CD rates in Athol, Kentucky FDIC insured?
Yes, most established banks in Athol, 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 Athol, 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 Athol, 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 Athol, 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 Athol, Kentucky?
Here are recent top rates found for this area:
- Commonwealth Credit Union Frankfort, KY: 5.05% APY (Grow with Me 12-Month Certificate)
- Louisville Federal Credit Union: 4.50% APY (6 Mo. Share Certificate)
- CLASS ACT: 4.30% APY (IRA Certificate 12 Month)
- American Bank & Trust Co, Inc.: 4.10% APY (12 Month Certificate of Deposit)
- Peoples Bank Lebanon, KY: 4.07% APY (6 Month CD)
- C-Plant Federal Credit Union: 4.07% APY (24 Month Certificate)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Meade County Bank: 4.00% APY (6-month Certificate of Deposit)
- The Health And Education Federal Credit Union: 3.91% APY (1 Year Certificate)
- Sonata Bank: 3.90% APY (12-Month CD)
Rates reflect recent verified offers available in Athol, Kentucky. Last Updated: April 12, 2026
CD Calculators for Athol, Kentucky
Athol, Kentucky CD Calculator
At today’s KY top rate of 5.05% APY, a $10,000 deposit earns $505 in the first year. Enter your amount to see your exact return.
Athol, Kentucky CD LadderKY CD rates currently range from 1.648% (3-month) to 2.582% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Athol, Kentucky CD at 5.05% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsKentucky’s average 12-month CD is 2.597% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Athol, Kentucky directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Athol, Kentucky. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in KY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 12, 2026
Rate Assistant
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