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CD Rates Flatgap, Kentucky (KY) for April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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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: April 5, 2026

Current Flatgap, Kentucky CD rates include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KYA+5.0 ★Texas Ratio: 2.66% offering Grow with Me 12-Month Certificate at 5.05% APY, CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 0.00% offering IRA Certificate 12 Month at 4.30% APY, Peoples Bank Lebanon, KYPeoples Bank Lebanon, KYA+5.0 ★Texas Ratio: 0.00% offering 3 Month CD at 4.07% APY, C-Plant Federal Credit UnionC-Plant Federal Credit UnionA+5.0 ★Texas Ratio: 1.15% offering 24 Month Certificate at 4.07% APY, and Autotruck Financial Credit UnionAutotruck Financial Credit UnionA+5.0 ★Texas Ratio: 3.26% offering Share Certificate Accounts 6 Month at 4.06% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Flatgap is a smaller community with no bank or credit union branches currently in our database. 197 institutions serving the Kentucky area are available to Flatgap 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 5, 2026

Compare Best CD Rates in Flatgap, Kentucky & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
4.07%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
90 Day Fixed Rate CDS
$500
3.00%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
90 Day Certificate of Deposit
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 3 Month
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Regular Accounts

FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Jumbo Certificate
$100,000
1.00%
View
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Month Certificates of Deposits
$1,000
0.30%
View
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3-Month Certificate
$1,000
0.25%
View
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
3 Month CD
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
6-month Jumbo Certificate Certificates (Regular, Traditional IRA, and Roth IRA)
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
4.07%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 6 Month
$0
4.06%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Regular Accounts

L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Certificate Special
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
6 Month Share Certificates
$0
3.74%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Fixed Rate Certificate | 6 Month
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance to Earn Stated APY

General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
6-Month Certificate
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Jumbo Standard Share Certificates 6 Month
$35,000
3.55%
View
▼
Rate3.49%
Min Deposit$35,000
Min Balance—
UpdatedApr 5, 2026
Details

Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6-month CD
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

New Money Only

Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month Certificates of Deposit
$0
3.45%
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month Certificates of Deposits
$1,000
3.25%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Month Share and IRA Certificate
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Certificate
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6 Month Fixed Rate CDS
$500
2.85%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6 month IRA Certificate
$0
2.75%
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
Add-On Certificate (6 month)
$0
2.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
180 Day Certificate of Deposit
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
6-Month Certificate
$1,000
1.75%
View
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

As High as

FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6 Month Fixed Rate Jumbo IRA
$100,000
1.51%
View
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
DreamBuilder 6 Month Certificate
$100
0.50%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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
$250
5.05%
View
▼
Rate4.94%
Min Deposit$250
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate4.22%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12-Month CD
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12 Month Certificate
$1,000
3.82%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Clarkson
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12-Month CD
$500
3.80%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. APY is accurate as of 1/7/2026. 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.

Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.78%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Certificate of Deposit
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Fixed Rate Certificate | 12 Month
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance to Earn Stated APY

Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 MONTH Certificates of Deposit
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Monthly
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12-Month CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Fees may reduce earnings.

Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
12-MONTH IRA (VARIABLE)
$25
3.54%
View
▼
Rate3.51%
Min Deposit$25
Min Balance—
UpdatedApr 5, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Jumbo Standard Share Certificates 12 Month
$35,000
3.50%
View
▼
Rate3.44%
Min Deposit$35,000
Min Balance—
UpdatedApr 5, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
12 Month Share Certificates
$0
3.49%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
1-Year Jumbo Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
1 Year CD
$500
3.28%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

$500 minimum to open.

Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA 12 Month Fixed
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Month Share and IRA Certificate
$0
3.19%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
12-Month Certificate of Deposit IRA
$500
3.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month CD
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1 Year Fixed Rate CDS
$500
2.75%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
12 Month IRA (Fixed Rate)
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1-Year Certificate
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

As High as

FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
1 Year Fixed Rate Jumbo IRA
$100,000
1.75%
View
▼
Rate1.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

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

Bank of Hindman
Institution Rating:
B-4.4 ★Texas Ratio: 22.36%
IRA 1 Year
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1-Year Certificate (365 Days)
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
12 Month Certificate of Deposit
$500
0.35%
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
12 Month CD
$1,000
0.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
12 Month (1 Year) Certificates of Deposit & Individual Retirement Account
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.72%
View
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 18 Month
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Regular Accounts

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Certificate of Deposit
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Monthly
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 18 Month
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Share and IRA Certificate
$0
3.24%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18 month IRA Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
18 Month CD Specials
$500
2.91%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA 18 Month Fixed
$0
2.90%
View
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 MONTH Certificates of Deposit
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Month Fixed Rate CDS
$500
2.75%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Month CD
$0
2.68%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

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

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
18-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
18-Month Certificate
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

As High as

Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA 18 Month Fixed
$0
2.21%
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Certificate
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month Certificate of Deposit
$500
0.50%
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
18 Month CD
$1,000
0.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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
$1,000
4.07%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$0
3.78%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Jumbo Standard Share Certificates 24 Month
$35,000
3.60%
View
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 5, 2026
Details

Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Long Term Deposit - Certificate of Deposit (CDs) Fixed 24 mo.
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
24 Month Share and IRA Certificate
$0
3.34%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 24 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2 Year Certificate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 24 Month
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
2 Year Share Certificates
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2 Year CD
$500
3.08%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

$500 minimum to open.

Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Monthly
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
24 month IRA Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Share Certificates
$0
2.99%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 24-Month
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

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

Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
24 Month CD
$0
2.68%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
24-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
24 Month Certificates of Deposits
$1,000
2.25%
View
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2 Year Bump Jumbo IRA
$100,000
2.00%
View
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
2 Year CD
$500
0.85%
View
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 MONTH Certificates of Deposit
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2-Year Certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24 Month Certificates of Deposit
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
24 Month (2 Year) Certificates of Deposit & Individual Retirement Account
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.78%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.67%
View
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Jumbo Standard Share Certificates 36 Month
$35,000
3.60%
View
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 5, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 36-Month
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

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

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Share Certificate (36-month)
$0
3.34%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 36 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Regular Accounts

Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Share and IRA Certificate
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Year Share Certificates
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Fixed Rate Certificate | 36 Month
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance to Earn Stated APY

Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Monthly
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
36 Month Share Certificates
$0
2.99%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36 Month CD
$0
2.93%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
3-Year Bump Certificate
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3 Year Fixed Rate CDS
$500
2.75%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 MONTH Certificates of Deposit
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3-Year Certificate
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

As High as

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
36-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Year Fixed Rate Jumbo IRA
$100,000
2.25%
View
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
3 Year CD
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3-Year Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36 Month Certificates of Deposit
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
36 Month CD
$1,000
0.45%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
3.68%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
Jumbo Standard Share Certificates 48 Month
$35,000
3.60%
View
▼
Rate3.54%
Min Deposit$35,000
Min Balance—
UpdatedApr 5, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 48 Month
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Regular Accounts

CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 48 Month
$1,000
3.40%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$0
3.39%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
4 Year CD Specials
$500
3.34%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
4 Year Share Certificates
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Monthly
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
48 Month Share and IRA Certificate
$0
3.13%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 MONTH Certificates of Deposit
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4 Year Fixed Rate CDS
$500
2.85%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
48 month IRA Certificate
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
4-Year Certificate
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

As High as

The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
4 Year Certificate
$1,000
2.50%
View
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
48-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
4 Year Fixed Rate Jumbo IRA
$100,000
2.00%
View
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
48 Month CD
$0
1.71%
View
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
4-Year Certificate
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month Certificate of Deposit
$500
0.70%
View
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48 Month Certificates of Deposit
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
5 Year IRA (Traditional/Roth)
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Jumbo Standard Share Certificates 60 Month
$35,000
3.70%
View
▼
Rate3.64%
Min Deposit$35,000
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$0
3.68%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5 Year Share Certificates
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
5 Year CD Specials
$500
3.38%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Monthly
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
Fixed Rate Certificate | 60 Month
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance to Earn Stated APY

Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
60 Month Share and IRA Certificate
$0
3.18%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate of Deposit
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
5-Year Certificate
$0
3.05%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
5 Year Fixed Rate CDS
$500
2.95%
View
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
5-Year Certificate
$1,000
2.85%
View
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

As High as

Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
60 month IRA Certificate
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - 60 MONTH Certificates of Deposit
$0
2.45%
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
60-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
5 Year Jumbo Certificate
$100,000
2.00%
View
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
60 Month Certificates of Deposits
$1,000
1.50%
View
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month Certificate of Deposit
$500
1.25%
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
5 Year CD
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
60 Month CD
$1,000
0.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Magnolia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
60 Month Certificates of Deposit
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

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.

Flatgap, KY CD Rate Trends

Compare local Flatgap, 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.

View Full Kentucky CD Trends →
12-Month CD — KY Avg
2.789%
▼ 0.017 vs 7 days ago

Kentucky 12-month CD rates fell 0.017 points over the past 7 days to 2.789% APY.

6-Month CD — KY Avg
3.382%
▲ 0.626 vs 7 days ago

Kentucky 6-month CD rates rose 0.626 points over the past 7 days to 3.382% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Flatgap, Kentucky

Are CD rates in Flatgap, Kentucky FDIC insured?

Yes, most established banks in Flatgap, 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 Flatgap, 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 Flatgap, 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 Flatgap, 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 Flatgap, Kentucky?

Here are recent top rates found for this area:
  • Commonwealth Credit Union Frankfort, KY: 5.05% APY (Grow with Me 12-Month Certificate)
  • CLASS ACT: 4.30% APY (IRA Certificate 12 Month)
  • Peoples Bank Lebanon, KY: 4.07% APY (3 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)
  • Louisville Federal Credit Union: 4.00% APY (1 Year Share Certificates)
  • L and N Federal Credit Union: 4.00% APY (6 Month Certificate Special)
  • The Health And Education Federal Credit Union: 3.91% APY (1 Year Certificate)
  • Sonata Bank: 3.90% APY (12-Month CD)
  • Delta Community Credit Union: 3.85% APY (IRA CDs 12 Month)
Rates reflect recent verified offers available in Flatgap, Kentucky. Last Updated: April 5, 2026

CD Calculators

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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Flatgap, 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 Flatgap, 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 5, 2026

Flatgap, Kentucky Rates & Resources

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