Best Money Market Rates in Kentucky - July 2026
Brian McKay
Brian McKay
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Current Kentucky money market deposit account rates include Beacon Community Credit UnionBeacon Community Credit Union7910 National Tpke, Louisville, KY 40214A+5.0 ★Texas Ratio: 1.67% Money Market Accounts at 4.00% APY, TruistTruist100 Main St, Calhoun, KY 42327A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account 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 3.75% APY, WesBanco BankWesBanco Bank128 S Main St, Lawrenceburg, KY 40342A+5.0 ★Texas Ratio: 1.63% Money Market special 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 July 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: July 12, 2026
Compare the Best Money Market Rates Today in Kentucky
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
High Yield Checking restrictions apply
Rates are based on zip code. The interest rate is variable and subject to change at any time. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Variable rate. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
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Earn up to 3.70% APY*
Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; * High Yield Checking account required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. High Yield Checking qualifiers to earn High Yield dividends: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. The Annual Percentage Yield (APY) for High Yield Money Market is 3.50% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. No dividends are paid for the dividend period if minimum average daily balance qualifier is not met. If High Yield Checking is closed, High Yield Money Market must be closed.
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance.
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance.
Park Perks**
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance.
Balance: Up to $99.99
Tiered balance; Up to $99.99
Park Perks**
Park Perks**
Daily Balance >= $10,000; Minimum daily balance to obtain APY is based on tiered rate structure
Park Perks**
Park Perks**
Subject to Change Daily
High Yield Checking restrictions apply
Daily Balance <$10,000
Minimum daily balance to obtain APY $2,500
High Yield Checking restrictions apply
Park Perks**
$25,000.00 +
Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Variable rate. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
Rates are based on zip code. The interest rate is variable and subject to change at any time. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
Balance: $100,000.00+
Standard rates; Must have a Citizens Private Client® Checking account.
$2,500.00- $24,999.99
Tier 1 Up to $9,999.99
Balance: $60,000.00 - $99,999.99
Balance: $10,000.00 - $24,999.99
Standard rates; Requires a Citizens Quest® Checking account.
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.
Kentucky high-yield MMA rates rose 0.144 points over the past 7 days to 3.703% APY.
Kentucky standard MMA rates rose 0.180 points over the past 7 days to 0.715% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kentucky money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified 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)?
Are Money Market accounts in Kentucky safe?
How often do MMA rates change in Kentucky?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Kentucky?
Best Money Market Rates in Kentucky
- Beacon Community Credit Union
Money Market Accounts — 4.00% APY - Truist
Small Business Money Market Account — 4.00% APY - The Huntington National Bank
High Yield Money Market — 3.75% APY - WesBanco Bank
Money Market special — 3.75% APY - American Bank & Trust Co, Inc.
Money Market (Personal) — 3.70% APY
Cities in Kentucky
