Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 45 results in Kentucky
- 4.70%APY$510 over 13 months on $10,000
Requirements
Product: Maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.
Offer: Limited time offer.
4.60% interest rate · Balance cap $250,000 · Effective Nov 5, 2026
Rate checked
More details - 4.65%APY$505 over 13 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Term lengths range from 3 to 60 months. Automatically renews at best available rate for similar term with 10-day grace period. Interest calculated using daily-balance method.
Offer: Early withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity).
4.57% interest rate · Effective Oct 28, 2026
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More details - 4.60%APY$499 over 13 months on $10,000
4.52% interest rate · Effective Oct 6, 2026
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More details - Sallie MaeSallie Mae Certificates of Deposit (CDs)CD · 13 months · $2,500 min
Bank · Opens accounts online nationwide
4.50%APY$488 over 13 months on $10,000intro rateRequirements
Product: Must have a physical address in the United States and satisfy applicable age of majority requirements. Early withdrawal penalties apply (90 days' simple interest for terms 12 months or less, 180 days' simple interest for terms greater than 12 months). Automatically renews at maturity with a 10-day grace period. No monthly maintenance fees.
Offer: Advertised Interest Rate and Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. Penalty may be charged for early withdrawal.
Promotional rate · 4.40% interest rate · Effective Nov 12, 2026
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More details - 4.50%APY$488 over 13 months on $10,000intro rate
Promotional rate
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More details - 4.45%APY$483 over 13 months on $10,000intro rate
Requirements
Offer: *APY (Annual Percentage Yield) effective as of publication date and available for a limited time. $500 minimum deposit required to open and earn the APY. Penalty for early withdrawal may apply. Rate add-ons are not permitted.
Promotional rate
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
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More details - Synchrony BankCertificate of Deposit (CD)CD · 13 months · $0 min
Bank · Opens accounts online nationwide
4.40%APY$478 over 13 months on $10,000Requirements
Product: Offers apply to personal non-IRA accounts only. Penalty may be imposed for early withdrawals. No minimum balance required.
4.30% interest rate · Effective Nov 12, 2026
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More details - Consumers Credit UnionCertificateCD · 13 months · $250 min
Credit union · Opens accounts online nationwide
4.35%APY$472 over 13 months on $10,000Requirements
Product: Dividends compound daily and credit monthly. Requires membership with a $5.00 par value share in a Membership Share Savings account. Early withdrawal penalties apply.
Offer: Promotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period.
4.26% interest rate · Effective Oct 7, 2026
Rate checked
More details - Alliant Credit UnionCertificateCD · 12–17 months · $1,000 min · 4.30%–4.35% by balance
Credit union · Opens accounts online nationwide
4.30%APYRequirements
Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
4.22% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $75,000Your amount 4.30% $75,000 and upJumbo Share Certificate tier. 4.35% 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. Early withdrawal penalties apply and reduce earnings. APY based on either quarterly or semi-annual compounding.
Offer: Early withdrawal penalties apply and reduce earnings. APY based on either quarterly or semi-annual compounding.
Effective Oct 13, 2026
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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
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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 - Affinity PlusBasic CertificateCD · 13 months · $500 min
Credit union · Opens accounts online nationwide
4.25%APY$461 over 13 months on $10,000Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
4.17% interest rate
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More details - 4.20%APY$456 over 13 months on $10,000
Requirements
Offer: Limited time special. Early withdrawal penalty equals 180-days dividend on the amount withdrawn.
4.12% interest rate · Effective Oct 29, 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 13-month CDs pay in Kentucky
45 CDs at 41 banks and credit unions · checked Oct 22–Nov 13
- Typical
- 4.00%
- Top 10% from
- 4.48%
- Banks, typical
- 3.90%
- Credit unions, typical
- 4.00%
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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
- Abound Credit UnionCredit union · 17 branches
- UK Credit UnionCredit union · 9 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch