Bank · FDIC insured
Central Bank Savings Rates
Top CarrotCentral Bank’s best savings rate is 1.50% APY on $10,000, with its Central Money Market Account. Rates checked October 22, 2026.
How Central Bank’s savings rates compare
Compared with banks and credit unions near Lexington, KY, where Central Bank has the most branches. $10,000, best rate first.
This bank’s best
Central Bank
1.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $150
Central Money Market Account
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
Central Bank savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0001.50%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.50%
- QualifiedQualified1.50%
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 Central Bank 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.
Personal Money Market Plus
1.50%APY
Interest on Money Market accounts accrues on the entire collected balance at the rate for that balance tier. Variable rate may change after opening. Daily compounding of interest for 365 days.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500,000 | 1.50% | $150 |
| $500,000 and up | 3.50% | — |
Sources (1)
- centralbank.com/deposit-rates · captured Oct 15, 2026
Central Money Market Account
1.50%APY
Monthly maintenance fee is waived if a minimum daily balance of $2,500 is maintained; otherwise $10. Up to 6 withdrawals/transfers per monthly statement cycle without incurring excessive withdrawal fee ($10 per excessive transfer/withdrawal). Online opening deposit maximum is $10,000. Interest is compounded daily and credited monthly on collected balances. Rates are variable and tiered. Interest accrues on the entire collected balance at the rate for that balance tier.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 1.25% | — |
| $10,000 – $50,000 | 1.50% | $150 |
| $50,000 – $100,000 | 1.75% | — |
| $100,000 – $250,000 | 2.50% | — |
| $250,000 and up | 2.75% | — |
Sources (2)
All captured Oct 15, 2026
Regular Savings
1.00%APY
FDIC insured; Central NET online statements and Central MOBILE with mobile deposit included. Overdraft protection feature available. Maximum opening deposit for online accounts is $10,000. $2 monthly fee waived with a minimum daily balance of $200. $5 fee per excessive transfer/withdrawal over 6 per monthly statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable interest, compounded daily and paid monthly on collected balances. The rate may change after the account is opened. Monthly maintenance fee of $2 waived if minimum daily balance of $200 is maintained.Any balance | 1.00% | $100 | Variable interest, compounded daily and paid monthly on collected balances. The rate may change after the account is opened. Monthly maintenance fee of $2 waived if minimum daily balance of $200 is maintained. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Central 55 Savings
1.00%APY
For customers who are 55 and older. No minimum balance requirement and no monthly maintenance fee. Overdraft protection feature available. $5 fee per excessive transfer/withdrawal over 6 per monthly statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable interest, compounded daily and paid monthly on collected balances. Rate may change after account is opened. No monthly maintenance fee.Any balance | 1.00% | $100 | Variable interest, compounded daily and paid monthly on collected balances. Rate may change after account is opened. No monthly maintenance fee. |
Sources (2)
All captured Oct 22, 2026
Holiday Savings Account
1.00%APY
Holiday savings plan. Interest paid annually with principal on October 28 by automatic deposit to a Central Bank checking or savings account. Self-renewing; a deposit must be made by January 31 or the account will close. $1 fee for each withdrawal made from the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate of interest, compounded daily on collected balances, paid annually with principal on October 28. No monthly maintenance fee. Deposit must be made by January 31 or account will close. $1 fee per withdrawal.Any balance | 1.00% | $100 | Variable rate of interest, compounded daily on collected balances, paid annually with principal on October 28. No monthly maintenance fee. Deposit must be made by January 31 or account will close. $1 fee per withdrawal. |
Sources (2)
All captured Oct 22, 2026
Young American Savings
1.00%APY
Designed for children up to the age of 18 with an adult custodian. Only the custodian may make withdrawals or transfers or close the account. $5 monthly maintenance fee begins with the first statement cycle after the beneficiary's 18th birthday. $5/month dormant fee once dormant for 2 years or more. $5 fee per excessive transfer/withdrawal over 6 per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fee if beneficiary is less than 18 years old ($5 monthly fee after 18th birthday). Variable interest, compounded daily and paid monthly on collected balances. Rate may change after account is opened.Any balance | 1.00% | $100 | No monthly maintenance fee if beneficiary is less than 18 years old ($5 monthly fee after 18th birthday). Variable interest, compounded daily and paid monthly on collected balances. Rate may change after account is opened. |
Sources (2)
All captured Oct 22, 2026
Health Savings Account
0.75%APY
Enables participants to fund medical expenses and accumulate savings to cover anticipated future health care needs. Online application not available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balance method; minimum daily balance of $0 required to obtain APY. Rate may change after account is opened.Any balance | 0.75% | $75 | Daily balance method; minimum daily balance of $0 required to obtain APY. Rate may change after account is opened. |
Sources (2)
All captured Oct 22, 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.