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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–8 results in Morehead, KY
- 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - Morehead Community Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
3.80%APY$188 over 6 months on $10,000Requirements
Product: Minimum investment of $1,000.00. Monthly interest checks available. Can be used as collateral on a Shared Secure Loan.
3.75% interest rate · Effective Aug 1, 2026
Rate checked
More details - 3.79%APY$476 over 15 months on $10,000
Requirements
Product: Features a 1-time penalty-free withdrawal.
Offer: 1-time penalty-free withdrawal.
Effective Sep 1, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 2.00%APY$612 over 36 months on $10,000
Requirements
Product: Early close/withdrawal penalty applies.
Offer: Early close/withdrawal penalty applies.
2.00% interest rate · Effective Sep 29, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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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
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 Morehead, KY
47 CDs at 5 banks and credit unions · checked Oct 6–22
- Typical
- 1.50%
- Top 10% from
- 3.62%
- Banks, typical
- 1.25%
- Credit unions, typical
- 3.49%
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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