Compare Bank & Credit Union Rates
Best CD rates in Lexington, KY
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Lexington, KY
- WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 2 branches
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% 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$198 over 6 months on $10,000
Requirements
Product: Certificates of Deposits are subject to a penalty for early withdrawal. For certificates with 3 or 5 year maturities, you can step-up your rate one time during the term of the certificate. No setup or maintenance fees.
Offer: Dividends paid monthly. Penalty for early withdrawal.
3.96% interest rate · Effective Oct 3, 2025
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 - The Health and Education Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 2 branches
3.91%APY$391 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. Can be used as collateral for share secured loans. Minimum term 1 year.
3.85% interest rate · Effective Oct 1, 2025
Rate checked
More details - 3.85%APY$127 over 4 months on $10,000
- 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: Must qualify for membership and become a member to open certificate. Accounts are federally insured up to $250,000 by NCUA. Certificate will auto-renew for the same term as original at applicable rate. Penalty applied for early withdrawal ($25.00 plus 1/2 of dividends from date of withdrawal to maturity date).
3.68% interest rate · Effective Sep 1, 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$375 over 1 year on $10,000
Requirements
Product: Individuals only. Renews for the exact term originally purchased at the current interest rate for the one year CD. Early withdrawal penalty applies.
Offer: Individuals only. 1 year term.
3.68% 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 - 3.55%APY$146 over 5 months on $10,000intro rate
Requirements
Offer: Minimum balance to obtain APY is $1,000. A penalty will be imposed for early withdrawal after the initial 10 calendar day grace period. Fees may reduce earnings. Daily balance method is used to calculate interest. Forcht Bank reserves the right to end the promotional rate at any time without notice.
Promotional rate · 3.49% interest rate · Effective Dec 24, 2025
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
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 Lexington, KY
258 CDs at 27 banks and credit unions · checked Oct 6–22
- Typical
- 2.26%
- Top 10% from
- 4.25%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.25%
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Lexington, KY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 6 branches
- Members Heritage CUCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch