Bank · FDIC insured
Community Trust Bank Savings Rates
Community Trust Bank’s best savings rate is 1.69% APY on $10,000, with its Preferred Index Money Market. Rates checked October 22, 2026.
How Community Trust Bank’s savings rates compare
Compared with banks and credit unions near Pikeville, KY, where Community Trust Bank has the most branches. $10,000, best rate first.
This bank’s best
Community Trust Bank
1.69%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $169
Preferred Index Money Market
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Commonwealth Credit Union
1.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $195
Community Trust Bank savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $10,000 balance$10,0001.69%
- $100,000 balance$100,0003.23%
- QualifiedQualified1.69%
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 Community Trust 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.
Preferred Index Money Market
1.69%APY
Available in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. Requires $2,500 minimum to open account and earn interest. $10 monthly maintenance fee waived with $2,500 daily ledger balance. Rates tied to the 13-Week Treasury Bill Coupon Equivalent Rate minus specified margin by tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier 1 balance tier. $10 monthly maintenance fee waived with $2,500 daily ledger balance. $2,500 minimum required to open account and earn interest. | 0.00% | — | Tier 1 balance tier. $10 monthly maintenance fee waived with $2,500 daily ledger balance. $2,500 minimum required to open account and earn interest. |
| $2,500 – $25,000Tier 2 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 2.50% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. | 1.69% | $169 | Tier 2 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 2.50% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. |
| $25,000 – $50,000Tier 3 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.50% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. | 2.71% | — | Tier 3 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.50% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. |
| $50,000 – $100,000Tier 4 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.25% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. | 2.97% | — | Tier 4 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.25% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. |
| $100,000 – $250,000Tier 5 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.00% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. | 3.23% | — | Tier 5 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.00% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. |
| $250,000 and upTier 6 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 0.75% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. | 3.48% | — | Tier 6 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 0.75% margin. $10 monthly maintenance fee waived with $2,500 daily ledger balance. |
Sources (2)
- ctbi.com/banking/personal-banking/savings-money-market
- ctbi.com/banking/personal-bank…erred-money-market-index
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.