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 1–4 of 4 results in Kentucky
- 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 Early withdrawal penalty equals 180-days dividend on the amount withdrawn.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
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000
Requirements
Product: Dividends are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity). Rates offered can vary from week to week.
Rate checked
More details - 3.50%APY$380 over 13 months on $10,000intro rate
Requirements
Product: Limited-time offer. Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Funding must be received within 30 days of opening.
Promotional rate · 3.45% interest rate · Effective Oct 30, 2026
Rate checked
More details - Y-12 Federal Credit UnionShare CertificateCD · 13 months · $500 min · 0.10%–0.25% by balance
Credit union · 6 branches
0.15%APY$16 over 13 months on $10,000Requirements
Product: Dividends calculated daily, compounded/posted monthly. Penalty for early withdrawal. Balance tiers range from $500 to $100,000+.
Offer: 13 Month Select Rate Share Certificate rate may change once after 6 months at member's request.
0.10% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $9,999 0.10% $10,000 – $49,999Your amount 0.15% $50,000 – $99,999 0.20% $100,000 and upJumbo Certificate tier. 0.25% 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 13-month CDs pay in Kentucky
4 CDs at 4 banks and credit unions · checked Nov 6–13
- Typical
- 3.75%
- Top 10% from
- 4.14%
- Credit unions, typical
- 3.75%
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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