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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 1–15 results in Florence, KY
- 4.50%APY$488 over 13 months on $10,000intro rate
Promotional rate
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More details - 4.50%APY$1,795 over 45 months on $10,000intro rate
Requirements
Product: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 45-month term expires, account will auto-renew for 48 months at the rate in effect at time of renewal. Certificates opened online must be funded within 15 days. Certificates opened in branch must be funded same day. Dividends will accrue as of the date funding is received; Rates are subject to change. Available for a limited time only.
Offer: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 45-month term expires, account will auto-renew for 48 months at the rate in effect at time of renewal. Certificates opened online must be funded within 15 days. Certificates opened in branch must be funded same day. Dividends will accrue as of the date funding is received; Rates are subject to change. Available for a limited time only.
Promotional rate · 4.41% interest rate
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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 - 4.38%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$1,525 over 40 months on $10,000intro rate
Requirements
Product: Fixed rate certificates with terms from 3 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: 40 Month Special. Minimum balance to open and earn dividends: $500.00. Early withdrawals subject to penalty.
Promotional rate · 4.26% interest rate · Effective Sep 24, 2026
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.
4.17% interest rate · Effective Oct 6, 2026
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More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.
4.16% interest rate · Balance cap $2,000,000 · Effective Oct 15, 2026
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More details - 4.20%APY$1,083 over 30 months on $10,000
Requirements
Product: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
Offer: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
4.12% interest rate · Balance cap $20,000
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More details - 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Minimum $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
4.12% interest rate
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More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
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More details - 4.10%APY$621 over 18 months on $10,000intro rate
Requirements
Product: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Not available for IRA/HSA accounts. Available for a limited time only.
Offer: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Not available for IRA/HSA accounts.
Promotional rate · 4.02% interest rate
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More details - 4.04%APY$234 over 7 months on $10,000intro rate
Requirements
Product: Available online and at branch offices in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. APY is accurate as of 05/01/2026 and applies to the initial term. Assumes interest is credited quarterly and remains on deposit until maturity. Automatically renews at maturity for the same term at the interest rate and APY in effect at that time. Substantial penalty for early withdrawal.
Offer: Minimum balance to open and obtain APY is $1,000. Interest is credited quarterly and remains on deposit until maturity. Automatically renews for the same term at maturity. Substantial penalty for early withdrawal.
Promotional rate · Effective May 1, 2026
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More details - 4.00%APY$165 over 5 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. Dividends accrue from funding date; funding must be received within 30 days of account opening. Subject to early withdrawal penalties.
Offer: Limited-time offer. Minimum opening balance $0.
Promotional rate · 3.93% interest rate · Effective Aug 6, 2026
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More details - Delta Community Credit UnionCertificate of Deposit AccountsCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Rates subject to change. Rates are effective as of the first day of the current month. Minimum opening deposit and minimum balance is $1,000.00. Early withdrawal penalties apply. Fees could reduce earnings on the account. No monthly charge or fee for maintaining a CD.
Offer: Early withdrawal penalty is 90 days of interest.
3.92% interest rate
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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 Florence, KY
194 CDs at 15 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 4.10%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.25%
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Cincinnati, OH-KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch
- Central BankBank · 4 branches