Compare Bank & Credit Union Rates
Best CD rates in Louisville, KY
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Louisville, KY
- Commonwealth Credit UnionWealth Development CertificateCD · 24 months · $5 min
Credit union · 1 branch
5.00%APY$1,025 over 24 months on $10,000Requirements
Product: Each member may only have one account. Requires direct monthly transfer from savings ($20 min/$400 max per month for 24-month terms; $20 min/$200 max per month for 48-month terms). One withdrawal allowed within a 90-day period; a subsequent withdrawal in the same 90-day period incurs penalty and closes account. Will not renew at maturity; funds transfer to Regular Savings. Dividends paid annually on anniversary of open date.
Offer: Required monthly transfer from savings: $20 minimum, $400 maximum per month. Dividends compounded and credited annually. One withdrawal allowed per 90-day period. Transfer to Regular Savings at maturity.
5.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Available for both consumer and business accounts. Subject to a non-refundable $10 membership fee if not already a member. Minimum opening deposit $500.00. Dividends calculated using the Average Daily Balance Method, paid and compounded monthly. Early withdrawal penalties apply (90 days dividends for 3-24 months, 180 days dividends for 25-48 months, 365 days dividends for 59 months).
Offer: 15-month Certificate Special. Automatically renews with a 12-month term. Early withdrawal penalty is 90 days dividends.
Promotional rate · 4.41% interest rate · Compounded monthly · Effective Oct 8, 2026
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
4.40% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Fixed dividend rate and APY for the term. Assumes dividends remain on deposit until maturity. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. After account opening, additional deposits are not permitted. $10,000 required for monthly dividend check.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.38%APY$438 over 1 year on $10,000
Requirements
Product: Variable rate. Renews for the exact term originally purchased at the current interest rate for the one year CD. Early withdrawal penalty applies.
Offer: Variable rate. 1 year term.
4.29% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.35%APY$547 over 15 months on $10,000intro rate
Requirements
Product: New money only, not funds currently on deposit with Commonwealth Credit Union. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Auto-renewable.
Offer: New money only, not funds currently on deposit with Commonwealth Credit Union.
Promotional rate · 4.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.35%APY$1,363 over 36 months on $10,000intro rate
Requirements
Product: Offers include terms from 91 days to 48 months and a 60-month Bump-Up Share Certificate allowing a one-time rate bump-up if rates improve. Rate effective 2026-10-15 and subject to change at any time.
Promotional rate · 4.27% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
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More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: Dividends are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity). Rates offered can vary from week to week.
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Fixed rate certificates. A substantial penalty may be imposed for early withdrawal or failure to comply with certificate requirements. Minimum balance listed is required to purchase certificate and obtain APY. Rates subject to change weekly/without notice and paid until first maturity.
Offer: Featured certificate.
Promotional rate · 4.17% interest rate
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 11 branches
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 - 4.25%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 - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Quarterly compounded interest. No maintenance or setup fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.
Offer: New money only.
4.14% interest rate · Effective Oct 4, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Minimum balance to obtain APY is $100. APY assumes interest remains on deposit until maturity. Penalty may be imposed for early withdrawal. CD is automatically renewed for the same term. Grace period of 10 calendar days after maturity to withdraw funds without penalty. Fees could reduce earnings.
Offer: Minimum balance to obtain the annual percentage yield (APY) is $100. The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. CD is automatically renewed for the same term. 10 calendar days grace period after maturity date. Fees could reduce earnings.
Effective Sep 30, 2026
Rate checked
More details - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 1 branch
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
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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 Louisville, KY
260 CDs at 23 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.25%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.29%
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Louisville/Jefferson County, KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 4 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Indiana Members Credit UnionCredit union · 2 branches