Compare Bank & Credit Union Rates
Best CD rates in Ashland, KY
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–13 results in Ashland, KY
- 5.00%APY$373 over 9 months on $10,000intro rate
Requirements
Product: Special certificate accounts offered at the discretion of the credit union and subject to change at any time. Automatic renewal rules apply (5-month renews at 6-month rate/term; 9-month renews at 1-year rate/term). 9-Month special is restricted to residents of specific Northern Kentucky ZIP codes. TruBlue pricing does not add additional boost or rate is already matched.
Offer: 9-Month Northern Kentucky Special. Available for residents of specified Northern Kentucky ZIP codes: 41011, 41012, 41014-41018, 41051, 41053, 41063, 41005, 41021, 41022, 41042, 41048, 41080, 41091, 41092, 41094, 41099, 41001, 41007, 41059, 41071-41076, 41085. Renews at the 1-year rate and term. Fixed rate. Automatic renewal.
Promotional rate · 4.89% interest rate · Effective Sep 1, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.08%APY$833 over 24 months on $10,000
Requirements
Product: Add .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over. Certificates must be at least $2,500 to qualify for monthly dividend payments. Advantage Plus Checking PLUS Benefit: .25 added to Share Certificates of $25,000 or more.
Offer: Certificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.04%APY$234 over 7 months on $10,000intro rate
Requirements
Product: Available online and at branch offices in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. APY is accurate as of 05/01/2026 and applies to the initial term. Assumes interest is credited quarterly and remains on deposit until maturity. Automatically renews at maturity for the same term at the interest rate and APY in effect at that time. Substantial penalty for early withdrawal.
Offer: Minimum balance to open and obtain APY is $1,000. Interest is credited quarterly and remains on deposit until maturity. Automatically renews for the same term at maturity. Substantial penalty for early withdrawal.
Promotional rate · Effective May 1, 2026
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: Terms available from 6 months to 5 years. Dividends paid and compounded monthly. Minimum balance required to open account and earn stated APY is $500. Early withdrawal penalty may apply.
3.93% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate checked
More details - 3.75%APY$343 over 11 months on $10,000with conditions
Requirements
Product: Standard CDs have a $500 minimum opening deposit. Specials require a $5,000 minimum deposit, relationship eligibility, and are available to current City customers only.
Offer: Relationship special. Available to current City customers only with one of: 1 year+ checking or savings account, a money market account, a new checking with direct deposit, or a loan.
Qualified rate · 3.70% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$535 over 17 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. FDIC insured up to $250,000.
Offer: Limited-time offer. No minimum balance to obtain the stated APY. Guaranteed fixed return.
Promotional rate
Rate checked
More details - Ashland Credit UnionRate Bump Share CertificateCD · 36 months · $500 min · 3.75%–4.00% by balance
Credit union · 1 branch
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Terms available from 3 to 5 years. Dividends paid and compounded monthly. Allows a one-time bump to current rate during certificate term. Minimum deposit stated as $5,000 in product summary, rate schedule reflects Standard ($500 minimum) and Jumbo ($35,000 minimum) balance tiers. Early withdrawal penalty may apply.
Offer: Standard tier
3.69% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate by balance
Rate by balance for Rate Bump Share Certificate Balance APY $500 and upYour amount 3.75% $35,000 and upJumbo tier 4.00% Rate checked
More details - 3.54%APY$146 over 5 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. FDIC insured up to $250,000.
Offer: Limited-Time Offer!
Promotional rate
Rate checked
More details - 3.50%APY$380 over 13 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. A penalty will be imposed for early withdrawal.
Offer: Limited-time offer. No minimum balance to obtain the stated APY.
Promotional rate · Effective Jun 23, 2026
Rate checked
More details - 2.85%APY$1,509 over 60 months on $10,000
Requirements
Product: Dividends are calculated daily and compounded monthly. Minimum required share purchase to establish membership is 1 share ($5.00 par value). TruBlue pricing provides a 0.25% APY boost for qualifying members (active checking/money market, qualifying loan, or investment client). Early withdrawal penalties apply (90 days dividends for terms <= 18 months, 180 days for terms >= 2 years).
Offer: TruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal.
2.81% interest rate · Compounded monthly · Effective Sep 1, 2026
Rate checked
More details - 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: For Traditional CDs, a penalty may be imposed for early withdrawal. Compounds maturity or quarterly depending on term. No monthly Add Ons. Certificates under $10,000.00 will have the interest added to the balance. Rate -.50 on any CD with int. checks written. Ask us about our current CD special.
Offer: Compounds Quarterly
2.48% interest rate · Effective Aug 31, 2026
Rate checked
More details - 2.35%APY$476 over 24 months on $10,000
Requirements
Product: During the term of your Bump-Rate Certificate account, you may increase the rate one time to the rate currently in effect for accounts of this type with the same term. Excluded from TruBlue 0.25% APY pricing boost. Automatic renewal.
Offer: Fixed rate. One-time rate increase option during term. Automatic renewal. Excluded from TruBlue boost.
2.32% interest rate · Effective Sep 1, 2026
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Ashland, KY
71 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 2.60%
- Top 10% from
- 4.00%
- Banks, typical
- 1.75%
- Credit unions, typical
- 3.40%
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Huntington, WV-KY-OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 1 branch
- Desco Federal Credit UnionCredit union · 4 branches