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 Louisville/Jefferson County, KY-IN metro
- Commonwealth Credit UnionWealth Development CertificateCD · 24 months · $5 min
Credit union · 4 branches
5.00%APY$1,025 over 24 months on $10,000Requirements
Product: Each member may only have one account. Requires direct monthly transfer from savings ($20 min/$400 max per month for 24-month terms; $20 min/$200 max per month for 48-month terms). One withdrawal allowed within a 90-day period; a subsequent withdrawal in the same 90-day period incurs penalty and closes account. Will not renew at maturity; funds transfer to Regular Savings. Dividends paid annually on anniversary of open date.
Offer: Required monthly transfer from savings: $20 minimum, $400 maximum per month. Dividends compounded and credited annually. One withdrawal allowed per 90-day period. Transfer to Regular Savings at maturity.
5.00% interest rate · Effective Oct 1, 2026
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More details - 4.65%APY$505 over 13 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Term lengths range from 3 to 60 months. Automatically renews at best available rate for similar term with 10-day grace period. Interest calculated using daily-balance method.
Offer: Early withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity).
4.57% interest rate · Effective Oct 8, 2026
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More details - 4.50%APY$223 over 6 months on $10,000
Requirements
Product: Minimum deposit: $1,000. Interest compounded & paid quarterly. Transfer any amount $1,000 or over from your Shares to a CD. Rates subject to change without notice.
Effective Jul 1, 2026
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More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Available for both consumer and business accounts. Subject to a non-refundable $10 membership fee if not already a member. Minimum opening deposit $500.00. Dividends calculated using the Average Daily Balance Method, paid and compounded monthly. Early withdrawal penalties apply (90 days dividends for 3-24 months, 180 days dividends for 25-48 months, 365 days dividends for 59 months).
Offer: 15-month Certificate Special. Automatically renews with a 12-month term. Early withdrawal penalty is 90 days dividends.
Promotional rate · 4.41% interest rate · Compounded monthly · Effective Oct 8, 2026
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More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
4.40% interest rate · Compounded daily · Effective Oct 14, 2026
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More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Fixed dividend rate and APY for the term. Assumes dividends remain on deposit until maturity. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. After account opening, additional deposits are not permitted. $10,000 required for monthly dividend check.
4.41% interest rate · Effective Oct 1, 2026
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More details - 4.47%APY$562 over 15 months on $10,000intro rate
Requirements
Product: Must be an Everwise member ($5 initial Share deposit required). Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Offer: Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500.
Promotional rate · 4.38% interest rate · Effective Oct 1, 2026
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More details - 4.38%APY$438 over 1 year on $10,000
Requirements
Product: Variable rate. Renews for the exact term originally purchased at the current interest rate for the one year CD. Early withdrawal penalty applies.
Offer: Variable rate. 1 year term.
4.29% interest rate · Effective Oct 14, 2026
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More details - 4.35%APY$288 over 8 months on $10,000
Requirements
Product: Fixed-rate, fixed-term certificate account. Dividends can be deposited into a Member Loyalty Account.
Offer: Requires checking account
4.27% interest rate · Effective Aug 11, 2026
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More details - 4.35%APY$472 over 13 months on $10,000
Requirements
Product: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.
Offer: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen.
4.27% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
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More details - 4.35%APY$547 over 15 months on $10,000intro rate
Requirements
Product: New money only, not funds currently on deposit with Commonwealth Credit Union. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Auto-renewable.
Offer: New money only, not funds currently on deposit with Commonwealth Credit Union.
Promotional rate · 4.27% interest rate · Effective Oct 1, 2026
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More details - 4.35%APY$1,363 over 36 months on $10,000intro rate
Requirements
Product: Offers include terms from 91 days to 48 months and a 60-month Bump-Up Share Certificate allowing a one-time rate bump-up if rates improve. Rate effective 2026-10-15 and subject to change at any time.
Promotional rate · 4.27% interest rate · Effective Oct 15, 2026
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More details - 4.33%APY$214 over 6 months on $10,000
Requirements
Product: Special terms and rates are offered periodically. 10-day grace period at maturity. Penalties for early withdrawal. Dividends are paid monthly and are calculated on the actual daily balance.
4.25% interest rate · Effective Jul 1, 2026
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More details - 4.30%APY$321 over 9 months on $10,000
Requirements
Product: Early withdrawal penalty applies and may reduce earnings. Rates are fixed for the term. Dividends compound and credit quarterly. Average Daily Balance calculation method.
Offer: Certificate Special. Early withdrawal penalty applies. Dividends compound and credit quarterly. Fixed rate.
4.23% interest rate · Effective Sep 24, 2026
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More details - 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
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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 Louisville/Jefferson County, KY-IN metro
443 CDs at 46 banks and credit unions · checked Oct 15–22
- Typical
- 2.84%
- Top 10% from
- 4.19%
- Banks, typical
- 1.75%
- Credit unions, typical
- 3.24%
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Louisville/Jefferson County, KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 4 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Indiana Members Credit UnionCredit union · 2 branches