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 151–159 results in Kentucky
- Southeast Financial Credit UnionDreamBuilder CertificateCD · 6 months · $100 min
Credit union · 1 branch
0.50%APY$25 over 6 months on $10,000Requirements
Product: Early withdrawal penalty applies (all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months). 7-calendar-day grace period after maturity.
Effective Oct 1, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
Requirements
Product: Rates may vary among branches and may vary if amounts, terms or other conditions vary from those posted. A penalty will be imposed for early withdrawal.
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$25 over 1 year on $10,000
Requirements
Product: Available in 1 year term. Dividends are earned daily and posted quarterly. Allows deposits to the certificate whenever desired, during the term. Great for establishing good savings habits.
Offer: Allows deposits to the certificate whenever desired during the term.
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More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.15%APY$7 over 6 months on $10,000
Requirements
Product: Fees could reduce earnings. Interest rates and APY subject to change.
0.15% interest rate · Effective Oct 4, 2026
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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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 Kentucky
967 CDs at 115 banks and credit unions · checked Oct 16–23
- Typical
- 3.00%
- Top 10% from
- 4.10%
- Banks, typical
- 2.26%
- Credit unions, typical
- 3.24%
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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