Compare Bank & Credit Union Rates
Best CD rates in Kentucky
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–45 results in Kentucky
- Y-12 Federal Credit UnionChoose Your Term Special Offer Share CertificateCD · 12 months · $500 min
Credit union · 6 branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Limited time offer. Minimum balance to receive advertised rate is $500. Automatically renews at maturity unless changes are made during 7-day grace period. Penalty for early withdrawal.
Offer: 12 Months term.
Promotional rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 67 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$461 over 13 months on $10,000
Requirements
Product: Interest will compound; interest can be capitalized, applied to the Certificate of Deposit account. Interest penalty for early withdrawal (unless otherwise stated). APY based on either quarterly or semi-annual compounding. Rates are subject to change.
Effective Oct 13, 2026
Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Interest compounds quarterly and CD automatically renews. Fees could reduce earnings. Interest rates and APY subject to change. At maturity, 13-month certificate renews for 12 months, and 25-month certificate renews for 24 months. Early withdrawal penalty may apply. Available for a limited time.
Offer: Special rate accurate as of 08/13/2026; automatically renews for 12 months at maturity; early withdrawal penalty may apply.
Promotional rate · 4.18% interest rate · Effective Aug 13, 2026
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$644 over 18 months on $10,000
Requirements
Product: Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.
4.17% interest rate · Effective Oct 6, 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 - 4.20%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 - 4.20%APY$1,083 over 30 months on $10,000
Requirements
Product: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
Offer: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
4.12% interest rate · Balance cap $20,000
Rate checked
More details - 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Minimum $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
4.12% interest rate
Rate checked
More details - Community Financial Services BankCertificates of Deposit (CDs)CD · 17 months · $1,000 min
Bank · 8 branches
4.17%APY$596 over 17 months on $10,000intro rateRequirements
Product: FDIC insured up to $250,000. Automatic renewal at maturity with a 10-day grace period. Penalty for early withdrawal. Setup and maintenance fees: $0.
Offer: 17-Month Special. Penalty for early withdrawal. Account fees may reduce earnings.
Promotional rate · 4.09% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.15%APY$240 over 7 months on $10,000intro rate
Requirements
Product: Fixed, guaranteed dividend rates for the full term. Federally insured up to $250,000. Terms from 6 months (or 90 days) to 5 years.
Offer: CD special; new money only.
Promotional rate
Rate checked
More details - 4.15%APY$629 over 18 months on $10,000
4.09% interest rate · Effective Sep 23, 2026
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More details - 4.13%APY$1,065 over 30 months on $10,000
Requirements
Product: $0 monthly fee. Terms typically range from 182 days to 60 months. Interest payout options include check, direct deposit, or reinvestment. Laddering available.
Offer: $2,500 minimum balance (and all interest paid and compounded) must remain in the CD to earn the advertised APY. Available to consumer and business customers; public funds are not eligible. Total balance and earned interest may be withdrawn without penalty 7 days after funding date; no withdrawals permitted during first 6 days following funding; partial withdrawals not permitted. Subject to a 24-month interest penalty for early withdrawal after original maturity date.
Effective Aug 17, 2026
Rate checked
More details - 4.11%APY$803 over 23 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
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 Kentucky
967 CDs at 115 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.10%
- Banks, typical
- 2.26%
- Credit unions, typical
- 3.24%
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Find your bank or credit union to see all its rates and how they compare near you.
Kentucky
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 18 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Members Heritage CUCredit union · 5 branches