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 121–135 results in Kentucky
- 3.25%APY$491 over 18 months on $10,000
Requirements
Product: Dividends calculated daily, compounded/posted monthly. Penalty for early withdrawal. Balance tiers range from $500 to $100,000+.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.02%APY$152 over 6.07 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: Penalty may be imposed for early withdrawal.
3.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - Northern Kentucky Federal Credit UnionShared Certificates (CDs)CD · 18 months · $10,000 min
Credit union · 2 branches
3.00%APY$453 over 18 months on $10,0003.00% interest rate
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More details - 3.00%APY$609 over 24 months on $10,000
Requirements
Product: Dividends paid quarterly; monthly checks upon request. All members must have a regular savings account and maintain a minimum balance of $5.00 to remain a member.
3.00% interest rate · Effective Jan 21, 2026
Rate checked
More details - Green River Area Federal Credit UnionCertificatesCD · 24 months · $2,000 min
Credit union · 3 branches
3.00%APY$609 over 24 months on $10,000Requirements
Product: Competitive dividends paid quarterly. $2,000 minimum deposit. Rate match available for existing members.
3.00% interest rate · Effective Dec 6, 2023
Rate checked
More details - 2.95%APY$1,565 over 60 months on $10,000
Requirements
Product: Automatic renewal at prevailing rate. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest rate and APY may change after account opening.
Offer: 5 Year term.
2.95% interest rate
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More details - 2.94%APY$908 over 36 months on $10,000
Requirements
Product: Dividends are computed on the actual dollar amount and paid/credited monthly. Account earns dividends based on principal/average daily balance. Fixed rate for initial term. Substantial penalty for early withdrawal. $25 membership share required.
Offer: Dividends paid monthly. Fixed rate. Early withdrawal penalty applies. Automatic renewal.
2.90% interest rate · Effective Sep 17, 2026
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
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More details - 2.79%APY$861 over 36 months on $10,000
2.75% interest rate
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More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.
Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.
Effective Oct 15, 2026
Rate checked
More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Must be 18 years of age or older, meet credit union field of membership eligibility (live, work, worship, or attend school in service regions; join affiliated partner; or immediate family of member), and have a Share Savings Account to establish membership. Allows additional deposits (minimum $5) and one penalty-free withdrawal during the term.
Offer: Dividends compounded and credited quarterly. Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal is allowed during the term.
2.72% interest rate · Effective Oct 5, 2026
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More details - 2.55%APY$127 over 6 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 - 2.53%APY$778 over 36 months on $10,000
Requirements
Offer: Early withdrawal penalty: 18 months
2.50% interest rate · Effective Sep 22, 2026
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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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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