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

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Brian McKay Brian McKay
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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 Lexington, Kentucky and the surrounding area money market deposit account rates include WesBanco BankWesBanco Bank3346 Tates Creek Rd, Lexington, KY 40502A+5.0 ★Texas Ratio: 1.63% Money Market Special at 3.50% APY, Y-12 Federal Credit UnionY-12 Federal Credit Union3620 Walden Dr Ste 100, Lexington, KY 40517 2065A+5.0 ★Texas Ratio: 3.14% Business High Yield Money Market at 3.50% APY, TruistTruist309 Columbia Ave, Lexington, SC 29072A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY280 Meijer Way, Lexington, KY 40503A+5.0 ★Texas Ratio: 2.66% Business Money Market Accounts at 3.25% APY, and Park Federal Credit UnionPark Federal Credit Union2217 War Admiral Way Ste 102, Lexington, KY 40509A5.0 ★Texas Ratio: 8.28% Money Market Accounts with Park Perks at 2.25% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Lexington has 8 local institutions in our database, with money market rates as high as 3.50% APY from WesBanco Bank at 3346 Tates Creek Rd, Lexington, KY 40502. Use the table below to compare all available offers, including options from institutions serving the broader Kentucky area. Rates are continually updated — we recommend checking back frequently.

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

Compare the Best Money Market Rates Today in Lexington, Kentucky & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3346 Tates Creek Rd, Lexington, KY 40502
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

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

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
309 Columbia Ave, Lexington, SC 29072
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
280 Meijer Way, Lexington, KY 40503
Business Money Market Accounts
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
280 Meijer Way, Lexington, KY 40503
Business Money Market Accounts
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
280 Meijer Way, Lexington, KY 40503
Business Money Market Accounts
2.85%
$0
View
▼
Rate2.81%
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%
280 Meijer Way, Lexington, KY 40503
Business Money Market Accounts
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
280 Meijer Way, Lexington, KY 40503
Business Money Market Accounts
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
280 Meijer Way, Lexington, KY 40503
Consumer Money Market Accounts
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
2217 War Admiral Way Ste 102, Lexington, KY 40509
Money Market Accounts with Park Perks
2.25%
$250,000
View
▼
Rate2.23%
Min Deposit$250,000
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
280 Meijer Way, Lexington, KY 40503
Consumer Money Market Accounts
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%
280 Meijer Way, Lexington, KY 40503
Consumer Money Market Accounts
2.10%
$0
View
▼
Rate2.08%
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

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
280 Meijer Way, Lexington, KY 40503
Consumer Money Market Accounts
1.95%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
280 Meijer Way, Lexington, KY 40503
Consumer Money Market Accounts
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Metro Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
1306 VERSAILLES RD STE 140, Lexington, KY 40504 1795
Money Market
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

As High As

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
2217 War Admiral Way Ste 102, Lexington, KY 40509
Money Market Accounts with Park Perks
1.75%
$150,000
View
▼
Rate1.74%
Min Deposit$150,000
Min Balance—
UpdatedMay 10, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
2217 War Admiral Way Ste 102, Lexington, KY 40509
Money Market Accounts with Park Perks
1.30%
$50,000
View
▼
Rate1.29%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Money Market
1.15%
$0
View
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
2217 War Admiral Way Ste 102, Lexington, KY 40509
Money Market Accounts
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
2217 War Admiral Way Ste 102, Lexington, KY 40509
Money Market Accounts
1.00%
$0
View
▼
Rate0.99%
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
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $250,000.00

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
2217 War Admiral Way Ste 102, Lexington, KY 40509
Money Market Accounts with Park Perks
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
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
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $249,999.99

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Money Market
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Money Market
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $99,999.99

Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
2217 War Admiral Way Ste 102, Lexington, KY 40509
Money Market Accounts
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank of Hindman
Institution Rating:
B-4.4 ★ Texas Ratio: 22.36%
1795 Alysheba Way, Lexington, KY 40509
Money Market Accounts
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank of Hindman
Institution Rating:
B-4.4 ★ Texas Ratio: 22.36%
1795 Alysheba Way, Lexington, KY 40509
Money Market Accounts
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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
0.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $49,999.99

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

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
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%
Money Market Accounts
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Avg Balance up to $10K

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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%
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%
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%
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%
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%
Money Market (Personal)
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
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%
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%
Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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

As High As

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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%
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%
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%
Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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

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

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Money Market Account
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%
Money Market Savings Account
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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

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

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

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

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

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

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

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

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

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

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

FNB of Grayson
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
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%
Money Market Account
0.25%
$25,000
View
▼
Rate0.25%
Min Deposit$25,000
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 Lexington, 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.

Lexington, KY Money Market Rate Trends

Compare local Lexington, KY 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 Lexington, 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 Lexington, 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 Lexington, 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 Lexington, 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 Lexington, 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 Lexington, 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 Lexington, 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 Lexington, Kentucky

Here are some of the highest money market account APYs currently available in Lexington, Kentucky and the surrounding area:
  • WesBanco Bank
    Money Market Special — 3.50% APY
  • Y-12 Federal Credit Union
    Business High Yield Money Market — 3.50% APY
  • Truist
    Small Business Money Market Account — 3.40% APY
  • Commonwealth Credit Union Frankfort, KY
    Business Money Market Accounts — 3.25% APY
  • Park Federal Credit Union
    Money Market Accounts with Park Perks — 2.25% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lexington, 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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