Florence, 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 Florence, Kentucky and the surrounding area include Kemba Credit UnionKemba Credit Union5935 Merchants St, Florence, KY 41042 1198A5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY, PNC BankPNC Bank8810 Us Highway 42, Florence, KY 41042A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, The Huntington National BankThe Huntington National Bank6666 Industrial Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY, Delta Community Credit UnionDelta Community Credit Union4885 Houston Rd, Florence, KY 41042 4894A+5.0 ★Texas Ratio: 1.57% Individual Retirement Accounts/Coverdell Educational Savings Accounts at 2.00% APY, and Central Bank & Trust CompanyCentral Bank & Trust Company7310 Turfway Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.91% Savings Accounts at 0.75% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Florence, 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 Florence, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Florence, Kentucky and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Florence, Kentucky & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 20, 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 20, 2026
Details
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 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
8810 Us Highway 42, Florence, KY 41042
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
6666 Industrial Rd, Florence, KY 41042
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 20, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Individual Retirement Accounts/Coverdell Educational Savings Accounts
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Individual Retirement Accounts/Coverdell Educational Savings Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Individual Retirement Accounts/Coverdell Educational Savings Accounts
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Individual Retirement Accounts/Coverdell Educational Savings Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Health Savings Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
7310 Turfway Rd, Florence, KY 41042
Savings Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Individual Retirement Accounts/Coverdell Educational Savings Accounts
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Health Savings Accounts
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
7310 Turfway Rd, Florence, KY 41042
Health Savings Accounts
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Individual Retirement Accounts/Coverdell Educational Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Health Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Individual Retirement Accounts/Coverdell Educational Savings Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Health Savings Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Business Savings Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Business Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Health Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Individual Retirement Accounts/Coverdell Educational Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
7434 Us Highway 42, Florence, KY 41042
Savings Accounts
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
no interest is paid on balances less than $100.00
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
7434 Us Highway 42, Florence, KY 41042
IRA Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8513 Ushwy 42, Florence, KY 41042
Advantage Savings
0.10%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 21, 2026
Details
An interest-bearing savings account with unlimited deposits.
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Ohio Homebuyer Plus Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Secondary Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8513 Ushwy 42, Florence, KY 41042
Easy Savings
0.05%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 21, 2026
Details
A variable rate, interest-bearing savings account with a low minimum balance required.
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
8810 Us Highway 42, Florence, KY 41042
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%
8810 Us Highway 42, Florence, KY 41042
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8659 US Highway 42, Florence, KY 41042 8531
Business Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8659 US Highway 42, Florence, KY 41042 8531
Savings account
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8659 US Highway 42, Florence, KY 41042 8531
Individual Retirement Account (IRA) Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
LCNB National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6890 Dixie Hwy, Florence, KY 41042
Health Savings Account (HSA)**
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
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
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
117 N Court St, Florence, AL 35630
FirstUp Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 18, 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
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.
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
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 18, 2026
Details
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 18, 2026
Details
Balances $25,000.00 or more
Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
201 N Main St, Morgantown, KY 42261
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%
201 N Main St, Morgantown, KY 42261
Health Savings Account
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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.
Florence, KY Savings Rate Trends
Compare local Florence, 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%
▲ 0.478 from last week
Kentucky high-yield savings rates rose 0.478 points this week to 1.960% APY, up from 1.482% last week.
Standard Savings — KY Avg
0.573%
▲ 0.226 from last week
Kentucky standard savings rates rose 0.226 points this week to 0.573% APY, up from 0.346% last week.
As of Mar 26, 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 Florence, 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 Florence, 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 Florence, 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 Florence, 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 Florence, 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 Florence, 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 Florence, Kentucky?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Florence, Kentucky offer in-person customer service, which some customers prefer.
How do I open a savings account in Florence, 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 Florence, Kentucky
Here are recent savings rates observed in Florence, Kentucky and the surrounding area:
- Kemba Credit Union
Ohio Homebuyer Plus Savings — 6.25% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - The Huntington National Bank
High-Yield Savings — 2.98% APY - Delta Community Credit Union
Individual Retirement Accounts/Coverdell Educational Savings Accounts — 2.00% APY - Central Bank & Trust Company
Savings Accounts — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Florence, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
