Compare Bank & Credit Union Rates
Best CD rates in Nicholasville, KY
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Nicholasville, 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 - 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$2,462 over 60 months on $10,000intro rate
Requirements
Product: Minimum balance $500. Dividends calculated on average daily balance, paid monthly. Fixed interest rate and maturity date. Early withdrawal penalty applies.
Offer: Term 5 Year.
Promotional rate · 4.41% interest rate · Effective Oct 22, 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 - 4.25%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
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 - 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
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 - 3.50%APY
Requirements
Product: Interest compounded daily and credited at maturity. Minimum balance required each day to obtain disclosed APY. Early withdrawal penalty may be imposed. Automatically renews with a 10-day grace period. No additional deposits or withdrawals allowed until maturity.
Offer: Early withdrawal penalty may be imposed.
3.44% interest rate · Compounded daily · Effective Sep 11, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% 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
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 Nicholasville, KY
154 CDs at 10 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 4.30%
- Banks, typical
- 0.83%
- Credit unions, typical
- 4.08%
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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