Lexington, Kentucky (KY) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Lexington, Kentucky and the surrounding area include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY280 Meijer Way, Lexington, KY 40503A+5.0 ★Texas Ratio: 2.66% Round UP Savings at 5.00% APY, University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit Union2557 Sir Barton Way, Lexington, KY 40509A5.0 ★Texas Ratio: 7.63% Share Savings Account at 4.00% APY, PNC BankPNC Bank280 W New Circle Rd, Lexington, KY 40505A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Greater Kentucky Credit Union Inc Credit UnionGreater Kentucky Credit Union Inc Credit Union1001 RED MILE RD, LEXINGTON, KY 40504 2650A+5.0 ★Texas Ratio: 3.93% High-Yield Savings at 3.00% APY, and Ashland Credit UnionAshland Credit Union100 Valvoline Way, Lexington, KY 40509A5.0 ★Texas Ratio: 8.70% Premium Savings Tier 5 at 2.25% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Lexington, 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 Lexington, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lexington, Kentucky and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Lexington, Kentucky & Surrounding Communities
Qualifying balance up to $1,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
Pair with a Rewards Checking account to earn up to 3.00% APY , with full access to your funds.
Qualifying balance up to $100,000.00
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
An interest-bearing savings account with unlimited deposits.
A variable rate, interest-bearing savings account with a low minimum balance required.
Qualifying balance up to $9,999.99
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
Hardin, LaRue, Meade, Breckinridge, Grayson, Hart, Nelson, Bullitt, and Jefferson.
Minimum of $5,000 not currently deposited at Huntington.
Balances $25,000.00 or more
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 Savings Rate Trends
Compare local Lexington, 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.
Kentucky high-yield savings rates rose 0.478 points this week to 1.960% APY, up from 1.482% last week.
Kentucky standard savings rates rose 0.226 points this week to 0.573% APY, up from 0.346% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings 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 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 Lexington, 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 Lexington, Kentucky
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Lexington, Kentucky safe?
How often do savings rates change in Lexington, Kentucky?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Lexington, Kentucky?
How do I open a savings account in Lexington, Kentucky?
Best Savings Rates in Lexington, Kentucky
- Commonwealth Credit Union Frankfort, KY
Round UP Savings — 5.00% APY - University of Kentucky Federal Credit Union
Share Savings Account — 4.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Greater Kentucky Credit Union Inc Credit Union
High-Yield Savings — 3.00% APY - Ashland Credit Union
Premium Savings Tier 5 — 2.25% APY
