Bowling Green, Kentucky (KY) Savings Rates - March 2026
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The savings 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.
The best savings rates for Bowling Green, Kentucky and the surrounding area include FirstBank (TN)FirstBank (TN)5290 Scottsville Rd, Bowling Green, KY 42104A5.0 ★Texas Ratio: 6.39% FirstUp Savings at 3.82% APY, PNC BankPNC Bank1054 Fairview Ave, Bowling Green, KY 42103A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Morgantown B&TMorgantown B&T1848 Morgantown Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 1.40% Club Savings at 2.02% APY, American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.531 Lovers Ln, Bowling Green, KY 42103A+5.0 ★Texas Ratio: 1.55% American Incentive Savings at 1.00% APY, and Monticello Banking CompanyMonticello Banking Company1050 Wilkinson Trace, Bowling Green, KY 42103A+5.0 ★Texas Ratio: 1.68% REWARDSavings at 0.60% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Bowling Green, Kentucky, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Bowling Green, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Bowling Green, Kentucky and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Bowling Green, Kentucky & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
5290 Scottsville Rd, Bowling Green, KY 42104
FirstUp Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1054 Fairview Ave, Bowling Green, KY 42103
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1848 Morgantown Rd, Bowling Green, KY 42101
Club Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1848 Morgantown Rd, Bowling Green, KY 42101
Health Savings Account
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
American Incentive Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Monticello Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1050 Wilkinson Trace, Bowling Green, KY 42103
REWARDSavings
0.60%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 27, 2026
Details
Qualifications Required: Make 10 debit card purchases of $5 or more;Receive monthly [eStatements](https://www.mbcbank.com/online-banking/activate-estatements);Have one direct deposit or automatic payment; Qualifying balance up to $15,000.00
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1475 Campbell Ln, Bowling Green, KY 42104
IRA Shares & Education Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Business Savings
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
IRA Traditional, Roth, and Coverdell Education Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
6780 Louisville Rd, Bowling Green, KY 42101
Moola Moola Statement Savings
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
6780 Louisville Rd, Bowling Green, KY 42101
Regular Savings
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
544 Lovers Ln, Bowling Green, KY 42103
IRA/CESA Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
IRA Traditional, Roth, and Coverdell Education Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
IRA Traditional, Roth, and Coverdell Education Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1475 Campbell Ln, Bowling Green, KY 42104
Vacation, Christmas, Special, Insurance, Kids and Teen Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
IRA Traditional, Roth, and Coverdell Education Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1475 Campbell Ln, Bowling Green, KY 42104
Prime Shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Member Savings
0.11%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Business Savings All
0.11%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Basic Savings
0.11%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1848 Morgantown Rd, Bowling Green, KY 42101
MBT Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
5290 Scottsville Rd, Bowling Green, KY 42104
Basic Savings
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY 42104 3383
Regular Share
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY 42104 3383
Membership Share
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
5290 Scottsville Rd, Bowling Green, KY 42104
UTMA-Minor Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1054 Fairview Ave, Bowling Green, KY 42103
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1054 Fairview Ave, Bowling Green, KY 42103
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
544 Lovers Ln, Bowling Green, KY 42103
Regular Shares
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
544 Lovers Ln, Bowling Green, KY 42103
Special Shares
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Ohio Homebuyer Plus Savings
6.25%
$0
▼
Rate6.08%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Ohio Homebuyer Plus Savings
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY 40202
Accumulation Share
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Round UP Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Ohio Homebuyer Plus Savings
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
High Yield Savings Account
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $25,000.00
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
High Yield Savings Account Tier 1
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $25,000.00
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
3.59%
$0
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
1050 N Main St, Bowling Green, OH 43402
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY 42303
Youth Savings
3.50%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $2,500.00
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY 42240 4989
High Yield Savings
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
3.34%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
West Point Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
600 W Lincoln Trail Blvd, Radcliff, KY 40160
High Yield Savings
3.30%
$25,000
▼
Rate0.00%
Min Deposit$25,000
Min Balance—
UpdatedMar 22, 2026
Details
Hardin, LaRue, Meade, Breckinridge, Grayson, Hart, Nelson, Bullitt, and Jefferson.
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
3.09%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
433 Madison Ave, Covington, KY 41011
HIGH YIELD SAVINGS
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY 42240 4989
High Yield Savings
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Greater Kentucky Credit Union Inc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1001 RED MILE RD, LEXINGTON, KY 40504 2650
High Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $100,000.00
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
1050 N Main St, Bowling Green, OH 43402
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
15 Second St, Vanceburg, KY 41179
SAVINGSELITE
2.53%
$25,000
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 26, 2026
Details
Balances $25,000.00 or more
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
15 Second St, Vanceburg, KY 41179
Savings Elite
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
E-Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Bowling Green, KY Savings Rate Trends
Compare local Bowling Green, KY savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — KY Avg
1.960%
▲ 0.409 from last week
Kentucky high-yield savings rates rose 0.409 points this week to 1.960% APY, up from 1.551% last week.
Standard Savings — KY Avg
0.573%
▲ 0.373 from last week
Kentucky standard savings rates rose 0.373 points this week to 0.573% APY, up from 0.200% last week.
As of Mar 27, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Bowling Green, 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 savings 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 Bowling Green, Kentucky. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in KY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Bowling Green, Kentucky
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Kentucky, help your money grow faster through a higher APY.
Are savings accounts in Bowling Green, 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 savings rates change in Bowling Green, Kentucky?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Bowling Green, Kentucky may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Bowling Green, Kentucky?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Bowling Green, Kentucky offer in-person customer service, which some customers prefer.
How do I open a savings account in Bowling Green, Kentucky?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Bowling Green, Kentucky
Here are recent savings rates observed in Bowling Green, Kentucky and the surrounding area:
- FirstBank (TN)
FirstUp Savings — 3.82% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Morgantown B&T
Club Savings — 2.02% APY - American Bank & Trust Co, Inc.
American Incentive Savings — 1.00% APY - Monticello Banking Company
REWARDSavings — 0.60% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Bowling Green, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
