Bank · FDIC insured
PBT Bancorp Savings Rates
Top CarrotPBT Bancorp’s best savings rate is 2.03% APY on $10,000, with its MMDA PRIME 30% OF PRIME. Rates checked October 22, 2026.
How PBT Bancorp’s savings rates compare
Compared with banks and credit unions near Richmond, KY, where PBT Bancorp has the most branches. $10,000, best rate first.
This bank’s best
PBT Bancorp
2.03%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $203
MMDA PRIME 30% OF PRIME
Top rate
Cumberland Valley National Bank
3.09%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $309
3rd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
PBT Bancorp savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0002.03%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.03%
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 PBT Bancorp 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.
TIERED 2 MMDA
2.75%APY
Variable rate account; rate may change. Fees may reduce earnings. Jumbo rate requires a minimum of $100,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100,000 and up | 2.75% | — |
Sources (1)
- pbtb.com/Rates-Fees/Deposit-Rates · captured Sep 19, 2026
MMDA PRIME 30% OF PRIME
2.03%APY
Variable rate account; rate may change. Fees may reduce earnings. 30% of Prime.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 2.03% | $203 |
Sources (1)
- pbtb.com/Rates-Fees/Deposit-Rates · captured Sep 19, 2026
TIERED 1 MMDA
2.00%APY
Variable rate account; rate may change. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 2.00% | $200 |
Sources (1)
- pbtb.com/Rates-Fees/Deposit-Rates · captured Sep 19, 2026
Kasasa Saver Account
2.00%APY
Free savings account linked with Kasasa Cash or Kasasa Cash Back checking to receive rewards. No monthly maintenance fee, no minimum balance to maintain. $100 minimum deposit to open. Earns 2.00% APY on balances up to $50,000 when qualifications are met in linked checking. Built-in Wysh Life Insurance benefit discontinued effective September 1, 2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Requires meeting qualifications in linked Kasasa Cash or Kasasa Cash Back checking account.Up to $50,000 | 2.00% | $200 | Requires meeting qualifications in linked Kasasa Cash or Kasasa Cash Back checking account. |
Sources (1)
- pbtb.com/Products/Savings · captured Sep 19, 2026
MMDA
0.25%APY
Variable rate account; rate may change. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.25% | $25 |
Sources (1)
- pbtb.com/Rates-Fees/Deposit-Rates · captured Sep 19, 2026
Statement Savings Account
0.25%APY
Variable rate account; interest compounded and credited quarterly using daily balance method. Minimum opening deposit $25. Six preauthorized/automatic/telephone transfers per statement month. $10 fee if closed within 180 days; $1 per in-person withdrawal over 6/month; $2 dormant fee per quarter after 1 year inactive. Includes Wysh Life Insurance benefit discontinued effective September 1, 2026.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.25% | $25 |
Special-purpose accounts
Christmas Club Savings
1.01%APY
Auto-transfer set to weekly, bi-weekly, or monthly from checking or savings. Minimum deposit of $25 to open. Deposits allowed throughout the year. Check issued in October for full balance plus interest accrued. Automatically renews to next year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCheck issued in October for full balance plus interest. Auto-renews to next year.Any balance | 1.01% | $101 | Check issued in October for full balance plus interest. Auto-renews to next year. |
Sources (1)
- pbtb.com/Products/Savings · captured Sep 19, 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.