Best CD rates in Kentucky

Requirements

Product: $500 minimum. Terms range from 6 to 60 months. Contact Main Office for information regarding special rates or investment terms for single investments of $100,000 and greater (including aggregate or recent aggregate deposit of $100,000). Dividends on 6 month Certificates are paid and compounded semiannual at maturity; all other Certificates are paid and compounded quarterly. Automatic renewals.

Offer: 15-Month Special. Dividends paid and compounded quarterly.

Requirements

Product: Available online and at branch offices in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. APY is accurate as of 05/01/2026 and applies to the initial term. Assumes interest is credited quarterly and remains on deposit until maturity. Automatically renews at maturity for the same term at the interest rate and APY in effect at that time. Substantial penalty for early withdrawal.

Offer: Minimum balance to open and obtain APY is $1,000. Interest is credited quarterly and remains on deposit until maturity. Automatically renews for the same term at maturity. Substantial penalty for early withdrawal.

Requirements

Product: Limited-time offer. 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 account opening. Subject to early withdrawal penalties.

Offer: Limited-time offer. Minimum opening balance $0.

Requirements

Product: Certificates of Deposits are subject to a penalty for early withdrawal. For certificates with 3 or 5 year maturities, you can step-up your rate one time during the term of the certificate. No setup or maintenance fees.

Offer: Dividends paid monthly. Penalty for early withdrawal.

Requirements

Product: Early withdrawal penalty applies. $500 minimum deposit and balance required.

Offer: SPECIAL CD RATES: existing members only

Requirements

Product: Minimum deposit required. Annual Percentage Yield assumes interest remains on deposit until maturity. Federal regulations require substantial penalty for early withdrawal. Withdrawal of principal or interest will reduce earnings.

Offer: 7 Month term. Early withdrawal penalty applies.

Requirements

Product: Terms between 1 month and 60 months. Minimum balance requirement is $500. Automatically renew at maturity of CD. No Maintenance Fees. Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Can be used as collateral for a personal loan.

Offer: Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. CD terms of one (1) year or less credit interest at maturity.

Requirements

Offer: Limited time special. Early withdrawal penalty equals 90-days dividend on the amount withdrawn.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Rates subject to change. Rates are effective as of the first day of the current month. Minimum opening deposit and minimum balance is $1,000.00. Early withdrawal penalties apply. Fees could reduce earnings on the account. No monthly charge or fee for maintaining a CD.

Offer: Early withdrawal penalty is 90 days of interest.

Requirements

Product: Consumer deposits only. Limited-time offer. Early withdrawal penalties apply. Maximum deposit $250,000.

Offer: Interest compounded semi-annually. Minimum balance to obtain APY is $1,000. Minimum balance to open is $1,000. $250,000 maximum deposit. Consumer deposits only. Early withdrawal penalties apply. Limited-time offer.

Requirements

Product: Public Funds ineligible for promotional CD rates.

Offer: Penalty: 6 Months. Public Funds ineligible for promotional CD rates.

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: Terms available from 6 months to 5 years. Dividends paid and compounded monthly. Minimum balance required to open account and earn stated APY is $500. Early withdrawal penalty may apply.

Requirements

Product: Must be 18 years of age or older, meet credit union field of membership eligibility, and maintain a Share Savings Account. Additional deposits are not allowed. Fixed rate for term. Balance minimum to earn stated APY is $1,000.

Offer: Dividends compounded quarterly. Additional deposits not allowed.