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 results in Owensboro, KY metro
- 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Fixed rate certificates. A substantial penalty may be imposed for early withdrawal or failure to comply with certificate requirements. Minimum balance listed is required to purchase certificate and obtain APY. Rates subject to change weekly/without notice and paid until first maturity.
Offer: Featured certificate.
Promotional rate · 4.17% interest rate
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
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 - Owensboro Federal Credit UnionCertificate of DespositCD · 9 months · $1,000 min
Credit union · 2 branches
4.07%APY$304 over 9 months on $10,000Requirements
Product: Rates subject to change weekly. Penalty applies for early withdrawal.
Offer: Early withdrawal penalty: 90 Day Interest Penalty. Rates subject to change weekly.
4.00% interest rate · Effective Nov 21, 2025
Rate checked
More details - Daviess County Teachers Federal Credit UnionRegular CertificatesCD · 6 months · $500 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000Requirements
Product: Early withdrawal penalty applies. $500 minimum deposit and balance required.
Offer: SPECIAL CD RATES: existing members only
3.94% interest rate · Effective Jan 25, 2024
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Offer: Limited time special. Early withdrawal penalty equals 90-days dividend on the amount withdrawn.
3.93% interest rate · Effective May 18, 2026
Rate checked
More details - 4.00%APY$468 over 14 months on $10,000intro rate
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.
Promotional rate · Balance cap $250,000 · Effective Sep 17, 2026
Rate checked
More details - 3.90%APY$193 over 6 months on $10,000
Requirements
Offer: 182-day term. Substantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY.
3.84% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.75%APY$535 over 17 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. FDIC insured up to $250,000.
Offer: Limited-time offer. No minimum balance to obtain the stated APY. Guaranteed fixed return.
Promotional rate
Rate checked
More details - 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$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 - 3.30%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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.00%APY$609 over 24 months on $10,000
Requirements
Product: Competitive dividends paid quarterly. $2,000 minimum deposit. Rate match available for existing members.
3.00% interest rate · Effective Dec 6, 2023
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More details - 1.00%APY$406 over 48 months on $10,000
Requirements
Offer: 4-Year Certificate
1.00% interest rate · Effective Jul 1, 2022
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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 Owensboro, KY metro
168 CDs at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.50%
- Top 10% from
- 3.50%
- Banks, typical
- 0.05%
- Credit unions, typical
- 1.45%
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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
- Commonwealth Credit UnionCredit union · 18 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Members Heritage CUCredit union · 5 branches