Bank · FDIC insured
Bank of the Bluegrass Savings Rates
Bank of the Bluegrass’s best savings rate is 0.50% APY, with its Bluegrass Choice Saver, with extra requirements. Rates checked October 22, 2026.
How Bank of the Bluegrass’s savings rates compare
Compared with banks and credit unions near Lexington, KY, where Bank of the Bluegrass has the most branches. $10,000, best rate first.
This bank’s best
Bank of the Bluegrass
0.50%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $50
Bluegrass Choice Saver
Top rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
2nd-highest rate
Blue Grass Federal
3.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
Bank of the Bluegrass savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of the Bluegrass ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Bluegrass Choice Saver
Up to 0.50%APY
Must be bundled/opened with a new or existing Bluegrass Preferred Interest or Bluegrass Simply Cash Back account. Monthly fee waived with minimum daily balance of $0.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifications in the bundled Bluegrass Rewards Checking account are met: 12 debit card POS purchase transactions post and settle per monthly qualification cycle, enrolled in and receive e-Statements, and log into Online Banking at least once per cycle. | 0.50% | $50 | Qualifications in the bundled Bluegrass Rewards Checking account are met: 12 debit card POS purchase transactions post and settle per monthly qualification cycle, enrolled in and receive e-Statements, and log into Online Banking at least once per cycle. |
| Any balanceBase rate if qualifications in the bundled Bluegrass Rewards Checking account are not met. | 0.01% | $1 | Base rate if qualifications in the bundled Bluegrass Rewards Checking account are not met. |
| $50,000 and upQualifications in the bundled Bluegrass Rewards Checking account are met: 12 debit card POS purchase transactions post and settle per monthly qualification cycle, enrolled in and receive e-Statements, and log into Online Banking at least once per cycle. Applies to balances over $50,000. | 3.00% | — | Qualifications in the bundled Bluegrass Rewards Checking account are met: 12 debit card POS purchase transactions post and settle per monthly qualification cycle, enrolled in and receive e-Statements, and log into Online Banking at least once per cycle. Applies to balances over $50,000. |
Sources (2)
- bankofthebluegrass.com/personal/personal-savings
- bankofthebluegrass.com/client-…stance/legal-disclosures
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.