Bank · FDIC insured
Monticello Banking Company Savings Rates
Monticello Banking Company’s best savings rate is 0.60% APY, with its REWARDSavings, with extra requirements. Rates checked October 22, 2026.
How Monticello Banking Company’s savings rates compare
Compared with banks and credit unions near Lexington, KY, where Monticello Banking Company has the most branches. $10,000, best rate first.
This bank’s best
Monticello Banking Company
0.60%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $60
REWARDSavings
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
Monticello Banking Company savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.60%
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 Monticello Banking Company 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.
REWARDSavings
0.00%APY on $10,000
Works together with REWARDChecking. Variable interest rate. ATM fee refunds automatically deposited into REWARDSavings.
| Part of the balance | Rate on that part |
|---|---|
| $15,000 and up | 0.10% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (1)
- mbcbank.com/personal-banking/s…gs-cds-and-money-markets · 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.