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 76–90 results in Kentucky
- 3.96%APY$396 over 1 year on $10,000intro rate
Requirements
Product: Special certificate rates. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: Penalty may be imposed for early withdrawal.
Promotional rate · 3.90% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.95%APY$163 over 5 months on $10,000
Requirements
Product: Minimum balance to obtain APY is $1,000.00. The APY assumes interest will remain on deposit until maturity. Early withdrawal penalty may apply. Automatically renews for the same term with a 10-day grace period after maturity.
Offer: Minimum balance to obtain APY is $1,000.00. The APY assumes interest will remain on deposit until maturity. Early withdrawal penalty may apply. Automatically renews for the same term at the rate in effect on maturity date; 10 calendar day grace period.
3.91% interest rate · Effective Apr 1, 2026
Rate checked
More details - The Health and Education Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 2 branches
3.91%APY$391 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. Can be used as collateral for share secured loans. Minimum term 1 year.
3.85% interest rate · Effective Oct 1, 2025
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 - 3.90%APY$390 over 1 year on $10,000intro rate
Requirements
Product: Limited-time offer. Visit Calvert City or Draffenville Branches to take advantage.
Offer: Limited-time offer. Available at Calvert City or Draffenville branches.
Promotional rate
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Minimum deposit is $1,000.00. Rates and terms are adjusted periodically to reflect market conditions.
Offer: Minimum balance requirement to open and earn APY is $1,000.00. Automatically renews into a 12-Month certificate at maturity with a 10-calendar-day grace period. Early withdrawal penalty is 90 days interest. No additional deposits allowed once established.
Effective Mar 2, 2026
Rate checked
More details - 3.90%APY$490 over 15 months on $10,000
Requirements
Product: Public funds not eligible. Minimum opening deposit of $1,000 required. Early withdrawal penalty may be imposed. Fees could reduce earnings. Advertised rates and APYs subject to change at bank discretion.
Offer: Compounded every 6 months. Early withdrawal penalty: 3 months.
3.86% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.85%APY$127 over 4 months on $10,000
- 3.85%APY$385 over 1 year on $10,000
Requirements
Product: Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit until maturity. Penalty may be imposed for early withdrawal. Automatically renewed for the same term with 10 calendar days grace period after maturity.
Offer: Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit until maturity. Penalty may be imposed for early withdrawal. Automatically renewed for the same term.
Effective Jun 16, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000
- 3.83%APY$190 over 6 months on $10,000
Requirements
Product: Minimum balance to obtain APY is $1,000.00. The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. CD automatically renews for the same term with a 10-day grace period after maturity.
Offer: Minimum balance to obtain APY is $1,000.00. The APY assumes interest will remain on deposit until maturity. Early withdrawal penalty may apply. Automatically renews for the same term at the rate in effect on maturity date; 10 calendar day grace period.
3.79% interest rate · Effective May 7, 2026
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More details - 3.82%APY$382 over 1 year on $10,000
3.75% interest rate · Effective Apr 1, 2022
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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 - 3.80%APY$188 over 6 months on $10,000intro rate
Requirements
Product: Penalty may be assessed for early withdrawal.
Offer: LIMITED TIME ONLY
Promotional rate · 3.75% interest rate
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Terms available from 91 days to 48 months. $500.00 minimum to open. Fixed interest rate on daily balance until maturity. Terms less than 9 months have interest accrued daily and compounded at maturity; terms of 9 months or greater have interest accrued daily and compounded quarterly. Early withdrawal penalty may apply. CD automatically renews for the same term with a 10-day grace period.
Offer: 12-Month CD. Minimum balance to obtain APY is $500.00. Assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed. Automatically renews for the same term with a 10 calendar day grace period.
Compounded quarterly · Effective Jun 16, 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 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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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