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Top-rated banks and credit unions

Ranked by Carrot Score: how each one’s CD, savings, auto loan and credit card rates compare with every U.S. bank and credit union.

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Top-rated in Kentucky

Showing 1–25 of 92 scored for CDs

  1. Commonwealth Credit Union3–8 mo 4.25% · 9–15 mo 4.35% · 16–30 mo 5.00% · 31–60 mo 5.00%

    Credit union · 18 branches

    99CD score#1 in Kentucky
  2. Members Heritage CU3–8 mo 3.95% · 9–15 mo 4.25% · 16–30 mo 4.35% · 31–60 mo 4.50%

    Credit union · 5 branches

    96CD score#2 in Kentucky
  3. Central Bank3–8 mo 3.50% · 9–15 mo 4.38% · 16–30 mo 4.25% · 31–60 mo 4.50%

    Bank · 29 branches

    95CD score#3 in Kentucky
  4. Class Act Federal Credit Union3–8 mo 4.00% · 9–15 mo 4.25% · 16–30 mo 4.25% · 31–60 mo 4.35%

    Credit union · 6 branches

    94CD score#4 in Kentucky
  5. Citizens Bank & Trust Company3–8 mo 3.85% · 9–15 mo 4.11% · 16–30 mo 4.26% · 31–60 mo 4.30%

    Bank · 3 branches

    94CD score#5 in Kentucky
  6. Louisville Federal Credit Union3–8 mo 4.50% · 9–15 mo 4.50% · 16–30 mo 3.25% · 31–60 mo 3.50%

    Credit union · 2 branches

    93CD score#6 in Kentucky
  7. Bank of Buffalo3–8 mo 0.20% · 9–15 mo 4.60% · 16–30 mo 4.38% · 31–60 mo 3.50%

    Bank · 3 branches

    92CD score#7 in Kentucky
  8. PBT Bancorp3–8 mo 4.25% · 9–15 mo 4.32% · 16–30 mo 4.05% · 31–60 mo 2.25%

    Bank · 5 branches

    92CD score#8 in Kentucky
  9. Cinfed Credit Union3–8 mo 3.95% · 9–15 mo 4.00% · 16–30 mo 4.20% · 31–60 mo 4.20%

    Credit union · 2 branches

    91CD score#9 in Kentucky
  10. UK Credit Union3–8 mo 4.25% · 9–15 mo 5.00% · 16–30 mo 2.35% · 31–60 mo 2.85%

    Credit union · 10 branches

    89CD score#10 in Kentucky
  11. Republic Bank3–8 mo 4.00% · 9–15 mo 4.00% · 16–30 mo 4.00% · 31–60 mo 4.25%

    Bank · 29 branches

    89CD score#11 in Kentucky
  12. Banterra Bank3–8 mo 4.15% · 9–15 mo 4.15% · 16–30 mo — · 31–60 mo 4.40%

    Bank · 2 branches

    89CD score#12 in Kentucky
  13. General Electric Credit Union3–8 mo 4.00% · 9–15 mo 4.00% · 16–30 mo 4.25% · 31–60 mo 3.15%

    Credit union · 2 branches

    89CD score#13 in Kentucky
  14. Citizens Federal Savings & Loan Association3–8 mo 4.00% · 9–15 mo 3.80% · 16–30 mo 4.25% · 31–60 mo 3.15%

    Bank · 1 branch

    89CD score#14 in Kentucky
  15. CommunityAmerica Credit Union3–8 mo 3.85% · 9–15 mo 4.00% · 16–30 mo 4.10% · 31–60 mo 3.95%

    Credit union · 2 branches

    88CD score#15 in Kentucky
  16. Desco Federal Credit Union3–8 mo 3.56% · 9–15 mo 3.82% · 16–30 mo 4.08% · 31–60 mo 4.08%

    Credit union · 2 branches

    88CD score#16 in Kentucky
  17. Navy Federal Credit Union3–8 mo 1.50% · 9–15 mo 4.05% · 16–30 mo 4.10% · 31–60 mo 4.10%

    Credit union · 3 branches

    88CD score#17 in Kentucky
  18. Peoples Bank3–8 mo 4.07% · 9–15 mo 3.78% · 16–30 mo 3.78% · 31–60 mo 3.78%

    Bank · 4 branches

    88CD score#18 in Kentucky
  19. American Bank & Trust3–8 mo 2.00% · 9–15 mo 4.45% · 16–30 mo 3.85% · 31–60 mo 3.30%

    Bank · 6 branches

    88CD score#19 in Kentucky
  20. Blue Grass Federal3–8 mo 0.15% · 9–15 mo 4.25% · 16–30 mo 4.25% · 31–60 mo 0.75%

    Bank · 1 branch

    88CD score#20 in Kentucky
  21. PNC3–8 mo 4.00% · 9–15 mo 4.25% · 16–30 mo 2.70% · 31–60 mo 2.80%

    Bank · 67 branches

    87CD score#21 in Kentucky
  22. Expree Credit Union3–8 mo 3.50% · 9–15 mo 4.00% · 16–30 mo 4.15% · 31–60 mo 3.60%

    Credit union · 1 branch

    87CD score#22 in Kentucky
  23. Y-12 Federal Credit Union3–8 mo 4.00% · 9–15 mo 4.25% · 16–30 mo 3.25% · 31–60 mo —

    Credit union · 6 branches

    87CD score#22 in Kentucky
  24. Advanz Credit Union3–8 mo 3.02% · 9–15 mo 4.06% · 16–30 mo 4.06% · 31–60 mo 3.49%

    Credit union · 4 branches

    87CD score#24 in Kentucky
  25. First Harrison Bank3–8 mo 3.89% · 9–15 mo 4.01% · 16–30 mo 4.11% · 31–60 mo —

    Bank · 5 branches

    87CD score#25 in Kentucky

Ranked by CD score: how each institution’s CD rates compare with every U.S. bank and credit union. Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. 123 of the 215 institutions with a branch in Kentucky have too few rates published or captured to score. Rankings are a preview, not awards.