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 31–43 results in Lexington, KY
- 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Minimum opening deposit $500. Early withdrawal penalty applies. At maturity, certificate closes and funds transfer to member's Regular Savings Account. Fixed APY from account opening until maturity. Fees may reduce earnings.
Offer: Early withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings.
Effective Oct 1, 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$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 - 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
Rate checked
More details - 2.35%APY$476 over 24 months on $10,000
Requirements
Product: During the term of your Bump-Rate Certificate account, you may increase the rate one time to the rate currently in effect for accounts of this type with the same term. Excluded from TruBlue 0.25% APY pricing boost. Automatic renewal.
Offer: Fixed rate. One-time rate increase option during term. Automatic renewal. Excluded from TruBlue boost.
2.32% interest rate · Effective Sep 1, 2026
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 - 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$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
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
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 Lexington, KY
258 CDs at 27 banks and credit unions · checked Oct 6–22
- Typical
- 2.26%
- Top 10% from
- 4.25%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Lexington, KY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 6 branches
- Members Heritage CUCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch