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 106–120 results in Kentucky
- 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
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 - 3.50%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 - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Minimum opening deposit $500. Early withdrawal penalty applies. At maturity, certificate closes and funds transfer to member's Regular Savings Account. Fixed APY from account opening until maturity. Fees may reduce earnings.
Offer: Early withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings.
Effective Oct 1, 2026
Rate checked
More details - Brown Forman Employees Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
3.49%APY$173 over 6 months on $10,000Effective Oct 1, 2026
Rate checked
More details - 3.42%APY$198 over 7 months on $10,000
Requirements
Product: Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit.
Offer: Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit.
Effective Mar 11, 2026
Rate checked
More details - 3.41%APY$1,825 over 60 months on $10,000
Requirements
Product: Membership is required. Minimum opening balance and to earn APY is $1,000.00. Early withdrawal penalty is 90 days of dividends.
3.35% interest rate · Effective Jul 1, 2026
Rate checked
More details - General Electric Credit Union11-Month No-Penalty CertificateCD · 11 months · $0 min
Credit union · 2 branches
3.35%APY$307 over 11 months on $10,000Requirements
Product: Early withdrawals are not permitted within the first 6 days after account opening. To withdraw funds with no penalty assessed, the entire amount (principal plus dividends earned) must be withdrawn in one single transaction. IRA and HSA Certificates are not eligible.
Offer: Early withdrawals not permitted within first 6 days after opening; full balance must be withdrawn in a single transaction for no penalty.
3.30% interest rate · Effective Oct 25, 2024
Rate checked
More details - 3.35%APY$1,791 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty: all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months. 7-calendar-day grace period after maturity. Optional checking relationship provides bonus 0.15% APY on new certificates.
Effective Oct 1, 2026
Rate checked
More details - 3.34%APY$679 over 24 months on $10,000
Requirements
Product: The minimum deposit to open and maintain a regular share certificate is $500.00. Regular certificate terms are 6, 12, 18, 24, 36, 48 and 60 months. Early closure prior to maturity date will result in an early termination penalty (90 day interest penalty for terms up to 1 year, 180 day interest penalty for terms over 1 year).
3.30% interest rate · Effective Jul 1, 2025
Rate checked
More details - 3.33%APY$165 over 6 months on $10,000
Requirements
Product: Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit.
Offer: 182-Day term. Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit.
Effective Mar 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 - 3.30%APY$330 over 1 year on $10,000
3.25% interest rate · Effective Jul 1, 2026
Rate checked
More details - 3.30%APY$499 over 18 months on $10,000
Requirements
Product: Early withdrawal of any of the principal funds before the maturity date will cost a penalty equal to 90-180 days of dividends. Rates may change after account is opened.
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty applies based on term. Actual APY may differ if fees are applied. Advertised rates and APYs subject to change at bank discretion.
Offer: Compounded at maturity. Early withdrawal penalty: 3 Month.
3.25% interest rate · Effective Jan 3, 2024
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%
Is your bank paying you enough?
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