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Best CD rates in Covington, KY
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–10 results in Covington, KY
- 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 - Citizens Federal Savings & Loan AssociationCertificate of Deposit (CD)CD · 16 months · $1,000 min
Bank · 1 branch
4.25%APY$571 over 16 months on $10,0004.16% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.
4.16% interest rate · Balance cap $2,000,000 · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000intro rate
Requirements
Product: Public Funds ineligible for promotional CD rates.
Offer: Penalty: 6 Months. Public Funds ineligible for promotional CD rates.
Promotional rate · 3.92% interest rate · Effective Sep 22, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 2.53%APY$778 over 36 months on $10,000
Requirements
Offer: Early withdrawal penalty: 18 months
2.50% interest rate · Effective Sep 22, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
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 Covington, KY
84 CDs at 6 banks and credit unions · checked Oct 6–22
- Typical
- 1.35%
- Top 10% from
- 4.00%
- Banks, typical
- 1.35%
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Cincinnati, OH-KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch
- Central BankBank · 4 branches