Bank · FDIC insured
Peoples Bank of Kentucky CD Rates
Peoples Bank of Kentucky’s best CD rate is 4.25% APY on an 11-month CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How Peoples Bank of Kentucky’s CD rates compare
Compared with banks and credit unions near Mount Sterling, KY, where Peoples Bank of Kentucky has the most branches. $10,000, best rate first.
This bank’s best
Peoples Bank of Kentucky
4.25%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $389
Certificates of Deposit
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
3rd-highest rate
Community Trust Bank
4.04%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $234
Peoples Bank of Kentucky CD score
60
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.65%
- 31–60 months31–60 mo0.75%
- QualifiedQualified0.75%
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 Peoples Bank of Kentucky ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.25%APY · 9 terms
Penalty may be imposed for early withdrawal. Rates and terms are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day term. Minimum balance required to earn APY. APY based on interest compounding monthly | 0.10% | $1 |
| 3 months91 Day term. Minimum balance required to earn APY. APY based on interest compounding quarterly | 0.20% | $5 |
| 6 months182 Day term. Minimum balance required to earn APY. APY based on interest compounding quarterly | 0.20% | $10 |
| 11 months11 Month Special. Minimum balance required to earn APY. Stated APR 4.18% | 4.25% | $389 |
| 12 months12 Month term. Minimum balance required to earn APY. APY based on interest compounding quarterly | 0.30% | $30 |
| 18 months18 Month term. Minimum balance required to earn APY. APY based on interest compounding quarterly | 0.40% | $60 |
| 24 months24 Month term. Minimum balance required to earn APY. APY based on interest compounding quarterly | 0.65% | $130 |
| 36 months36 Month term. Minimum balance required to earn APY. APY based on interest compounding quarterly | 0.45% | $136 |
| 60 months60 Month term. Minimum balance required to earn APY. APY based on interest compounding quarterly | 0.75% | $381 |
Sources (1)
- peoplesbankofky.com/cds-retirement · captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts
1.00%APY · 1 term
Penalty may be imposed for early withdrawal. Rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsType: 12 Month Fixed IRA. Minimum balance required to earn annual percentage yield. APY is based on interest compounding daily | 1.00% | $100 |
Sources (1)
- peoplesbankofky.com/cds-retirement · captured Oct 15, 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.