Bank · FDIC insured
Blue Grass Federal Savings Rates
Top CarrotBlue Grass Federal’s best savings rate is 3.50% APY on $10,000, with its Money Market Special. Rates checked October 22, 2026.
How Blue Grass Federal’s savings rates compare
Compared with banks and credit unions near Lexington, KY, where Blue Grass Federal has the most branches. $10,000, best rate first.
This bank’s best
Blue Grass Federal
3.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
Money Market Special
Top rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
3rd-highest rate
CommunityAmerica Credit Union
3.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Blue Grass Federal savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0003.04%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0003.50%
- QualifiedQualified3.50%
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 Blue Grass Federal 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.
Thrive Money Market
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $49,999 | 0.35% | $35 |
| $50,000 – $99,999 | 0.35% | — |
| $100,000 – $249,999 | 3.45% | — |
| $250,000 – $499,999 | 3.59% | — |
| $500,000 and up | 3.69% | — |
Sources (2)
All captured Oct 5, 2026
Money Market Special
3.50%APY
Valid only for new money not currently on deposit with Blue Grass Federal. Promotional rate locked for first 5 months; after 5 months rate reverts to standard tiered rates based on Select Money Market account. $10 monthly fee waived with minimum average daily balance of $5,000 during promo (minimum average daily balance $10,000 required after promo). $50 fee if closed before 150 days. Limit 6 preauthorized/electronic transactions per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePromotional rate for first 5 months; minimum average daily balance of $5,000 required to avoid $10 monthly service fee during promo.Any balance | 3.50% | $350 | Promotional rate for first 5 months; minimum average daily balance of $5,000 required to avoid $10 monthly service fee during promo. |
Sources (2)
All captured Oct 5, 2026
Uplift Savings
3.04%APY
Minimum to open: $50. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance $50. No monthly maintenance fee.$50 and up | 3.04% | $304 | Minimum balance $50. No monthly maintenance fee. |
Sources (2)
All captured Oct 5, 2026
Select Money Market
0.35%APY
$10 monthly fee is waived if daily balance or average daily balance is at least $10,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.35% | $35 |
| $25,000 – $99,999 | 0.60% | — |
| $100,000 – $249,999 | 0.70% | — |
| $250,000 – $999,999 | 0.80% | — |
Sources (2)
All captured Oct 5, 2026
Statement Savings
0.10%APY
Minimum to open: $10 ($50 online comparison table). $1 monthly fee is waived if daily balance is at least $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance $100. $1 monthly fee is waived if daily balance is at least $100.$100 and up | 0.10% | $10 | Minimum balance $100. $1 monthly fee is waived if daily balance is at least $100. |
Sources (2)
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.