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Best Money Market Rates in Kentucky (KY) - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial 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 | Last Updated: May 12, 2026

Current Kentucky money market deposit account rates include Beacon Community Credit UnionBeacon Community Credit Union7910 National Tpke, Louisville, KY 40214A+5.0 ★Texas Ratio: 1.73% Money Market Accounts at 4.00% APY, Service One Credit UnionService One Credit Union1609 Campbell Ln, Bowling Green, KY 42104A5.0 ★Texas Ratio: 12.56% Premium Money Market at 4.00% APY, The Huntington National BankThe Huntington National Bank2514 Dixie Hwy, Fort Mitchell, KY 41017A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.82% APY, Citizens BankCitizens Bank332 15th St, Ashland, KY 41101A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, and American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.531 Lovers Ln, Bowling Green, KY 42103A+5.0 ★Texas Ratio: 1.55% Money Market (Personal) at 3.70% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Kentucky side-by-side. Kentucky money market rates currently reach as high as 4.00% APY from Beacon Community Credit Union at 7910 National Tpke, Louisville, KY 40214. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Kentucky and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Kentucky

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Beacon Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
Money Market Accounts
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Avg Balance up to $10K

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market Account
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
Huntington Relationship Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
High-Yield Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Minimum of **$25,000** not currently deposited at Huntington.

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business High Yield Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $250,000.00

WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
128 S Main St, Lawrenceburg, KY 40342
Money Market Special
3.50%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details

With a minimum of $25k new money

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
100 Main St, Calhoun, KY 42327
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
Premier Money Market Special
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market Account
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

As High As

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
Huntington Relationship Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
High-Yield Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Minimum of **$25,000** not currently deposited at Huntington.

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
131 Gold Vault Rd, Fort Knox, KY 40121
Premier Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market Account
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Money Market Savings Account
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business High Yield Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $249,999.99

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
Money Market Account
2.63%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Consumer Money Market Accounts
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Money Market Savings Account
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.35%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
Money Market Account
2.33%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
Money Market Savings
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
Money Market
2.27%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Rates are subject to change at any time and are not guaranteed.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Consumer Money Market Accounts
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
Money Market Accounts with Park Perks
2.25%
$250,000
View
▼
Rate2.23%
Min Deposit$250,000
Min Balance—
UpdatedMay 10, 2026
Details

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Money Market Checking
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.20%
$0
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Business Money Market Accounts
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
Money Market Accounts
2.13%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Money Market Savings Account
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Consumer Money Market Accounts
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY 40202
Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
Money Market Account
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Money Market Accounts
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Business Money Market Accounts
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business High Yield Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $99,999.99

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
1.95%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
1.85%
$0
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.40%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.30%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.20%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.10%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Bank of Hindman
Institution Rating:
B-4.4 ★ Texas Ratio: 22.36%
1362 Hindman Byp, Hindman, KY 41822
Money Market Accounts
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

FNB of Grayson
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
Super Money Market Savings
0.30%
$25,000
View
▼
Rate0.30%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details

$25,000.00 +

Sacramento Deposit Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
Money Market Account
0.25%
$25,000
View
▼
Rate0.25%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details

Bank of Hindman
Institution Rating:
B-4.4 ★ Texas Ratio: 22.36%
1362 Hindman Byp, Hindman, KY 41822
Money Market Accounts
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 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. Rates reflect recent market quotes and representative offers available to depositors in Kentucky and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Kentucky Money Market Rate Trends

Compare local Kentucky money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Kentucky MMA Trends →
High-Yield MMA — KY Avg
3.524%
Unchanged vs 7 days ago

Kentucky high-yield MMA rates currently average 3.524% APY.

Standard MMA — KY Avg
0.626%
Unchanged vs 7 days ago

Kentucky standard MMA rates currently average 0.626% APY.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account 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. Every money market rate displayed 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 mid-sized regional banks to large national institutions available to savers in KY.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Kentucky

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Kentucky.

Are Money Market accounts in Kentucky safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Kentucky up to $250,000 per depositor, per institution.

How often do MMA rates change in Kentucky?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Kentucky rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Kentucky?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Kentucky require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Kentucky

Here are some of the highest money market account APYs currently available in Kentucky:
  • Beacon Community Credit Union
    Money Market Accounts — 4.00% APY
  • Service One Credit Union
    Premium Money Market — 4.00% APY
  • The Huntington National Bank
    High-Yield Money Market — 3.82% APY
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
  • American Bank & Trust Co, Inc.
    Money Market (Personal) — 3.70% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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Cities in Kentucky

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