Owensboro, 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 Owensboro, Kentucky and the surrounding area include Audubon Federal Credit UnionAudubon Federal Credit Union1429 Breckenridge St, Owensboro, KY 42303A+5.0 ★Texas Ratio: 1.81% Youth Savings at 3.50% APY, PNC BankPNC Bank3013 Frederica St, Owensboro, KY 42301A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Heritage Federal Credit UnionHeritage Federal Credit Union3700 Frederica St, Owensboro, KY 42301 6905A+5.0 ★Texas Ratio: 1.83% Prime Performance Savings at 2.25% APY, Daviess County Teachers Federal Credit UnionDaviess County Teachers Federal Credit Union1900 Southeastern Pkwy, Owensboro, KY 42303A5.0 ★Texas Ratio: 6.71% Coverdell Education Savings (formerly Education IRA) at 1.00% APY, and Liberty Federal Credit UnionLiberty Federal Credit Union2820 N York St, Owensboro, KY 42301 3344A+5.0 ★Texas Ratio: 2.09% IRA/CESA Share Account at 0.25% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Owensboro, 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 Owensboro, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Owensboro, Kentucky and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in Owensboro, Kentucky & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3013 Frederica St, Owensboro, KY 42301
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
2.25%
$10,000
▼
Rate2.23%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
1.75%
$10,000
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
1.25%
$10,000
▼
Rate1.24%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Coverdell Education Savings (formerly Education IRA)
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
variable rate
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Health Savings Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY 42303
Share Draft
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
0.75%
$10,000
▼
Rate0.75%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Rewards Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifications Required; Qualifying balance up to $100,000.00
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
0.30%
$10,000
▼
Rate0.30%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Christmas Club Accounts / Special Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2820 N York St, Owensboro, KY 42301 3344
IRA/CESA Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
0.25%
$10,000
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY 42303
Regular Shares
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
0.20%
$10,000
▼
Rate0.20%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Primary Share < 19
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
General Share
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
0.15%
$10,000
▼
Rate0.15%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Primary Share
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Primary Share < 19
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
General Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
0.10%
$10,000
▼
Rate0.10%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Primary Share
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
General Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Primary Share
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Primary Share < 19
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Prime Performance Savings
0.05%
$10,000
▼
Rate0.05%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3700 Frederica St, Owensboro, KY 42301 6905
Rewards Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Shares
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3013 Frederica St, Owensboro, KY 42301
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY 42303
Christmas Club Accounts / Special Savings
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3013 Frederica St, Owensboro, KY 42301
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
201 N Main St, Morgantown, KY 42261
Kasasa Cash* Health Savings Account (HSA)
4.25%
$50
▼
Rate4.17%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1595 Veterans Memorial Hwy, Scottsville, KY 42164
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
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
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.
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
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
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
Savings Elite
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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 26, 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 28, 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 28, 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.
Owensboro, KY Savings Rate Trends
Compare local Owensboro, 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
1.997%
▲ 0.733 from last week
Kentucky high-yield savings rates rose 0.733 points this week to 1.997% APY, up from 1.264% last week.
Standard Savings — KY Avg
0.605%
▲ 0.405 from last week
Kentucky standard savings rates rose 0.405 points this week to 0.605% APY, up from 0.200% last week.
As of Mar 29, 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 Owensboro, 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 Owensboro, 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 Owensboro, 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 Owensboro, 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 Owensboro, 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 Owensboro, 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 Owensboro, Kentucky?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Owensboro, Kentucky offer in-person customer service, which some customers prefer.
How do I open a savings account in Owensboro, 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 Owensboro, Kentucky
Here are recent savings rates observed in Owensboro, Kentucky and the surrounding area:
- Audubon Federal Credit Union
Youth Savings — 3.50% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Heritage Federal Credit Union
Prime Performance Savings — 2.25% APY - Daviess County Teachers Federal Credit Union
Coverdell Education Savings (formerly Education IRA) — 1.00% APY - Liberty Federal Credit Union
IRA/CESA Share Account — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Owensboro, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
