Morehead, 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 Morehead, Kentucky and the surrounding area include Morehead Community Federal Credit UnionMorehead Community Federal Credit Union503 W Main St, Morehead, KY 40351 1539A+5.0 ★Texas Ratio: 0.69% Money Market Savings at 2.27% APY, FNB of GraysonFNB of Grayson200 Viking Dr, Morehead, KY 40351A+5.0 ★Texas Ratio: 3.44% Super Money Market Savings at 0.30% APY, Kemba Credit UnionKemba Credit Union5935 Merchants St, Florence, KY 41042 1198A5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit Union820 W Broadway, Louisville, KY 40202A+5.0 ★Texas Ratio: 1.44% Accumulation Share at 5.12% APY, and Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY417 High St, Frankfort, KY 40601A+5.0 ★Texas Ratio: 2.66% Round UP Savings at 5.00% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Morehead, 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 Morehead, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Morehead, Kentucky and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Morehead, Kentucky & Surrounding Communities
Qualifying balance up to $1,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
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
Qualifying balance up to $2,500.00
Hardin, LaRue, Meade, Breckinridge, Grayson, Hart, Nelson, Bullitt, and Jefferson.
Qualifying balance up to $100,000.00
Pair with a Rewards Checking account to earn up to 3.00% APY , with full access to your funds.
Minimum of $5,000 not currently deposited at Huntington.
Balances $25,000.00 or more
Limited Transactions. Minimum Deposit to Open waived with direct deposit. Minimum deposit of $250 at maturity (October 15th). Withdraw/Close Fee Prior to Maturity: $10. Interest compounded daily and credited at maturity.
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.
Morehead, KY Savings Rate Trends
Compare local Morehead, 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 Morehead, 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 Morehead, 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 Morehead, Kentucky
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Morehead, Kentucky safe?
How often do savings rates change in Morehead, 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 Morehead, Kentucky?
How do I open a savings account in Morehead, Kentucky?
Best Savings Rates in Morehead, Kentucky
- Morehead Community Federal Credit Union
Money Market Savings — 2.27% APY - FNB of Grayson
Super Money Market Savings — 0.30% APY - Kemba Credit Union
Ohio Homebuyer Plus Savings — 6.25% APY - Louisville Gas & Electric Company Credit Union
Accumulation Share — 5.12% APY - Commonwealth Credit Union Frankfort, KY
Round UP Savings — 5.00% APY
