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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 1–11 results in Frankfort, KY
- Commonwealth Credit UnionWealth Development CertificateCD · 24 months · $5 min
Credit union · 2 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
Rate checked
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
Rate checked
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
Rate checked
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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More details - 4.15%APY$629 over 18 months on $10,000
4.09% interest rate · Effective Sep 23, 2026
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More details - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 2 branches
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% Rate checked
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 - 3.75%APY$343 over 11 months on $10,000with conditions
Requirements
Product: Standard CDs have a $500 minimum opening deposit. Specials require a $5,000 minimum deposit, relationship eligibility, and are available to current City customers only.
Offer: Relationship special. Available to current City customers only with one of: 1 year+ checking or savings account, a money market account, a new checking with direct deposit, or a loan.
Qualified rate · 3.70% interest rate · Effective Oct 14, 2026
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More details - 3.75%APY$535 over 17 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. FDIC insured up to $250,000.
Offer: Limited-time offer. No minimum balance to obtain the stated APY. Guaranteed fixed return.
Promotional rate
Rate checked
More details - 3.54%APY$146 over 5 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. FDIC insured up to $250,000.
Offer: Limited-Time Offer!
Promotional rate
Rate checked
More details - 3.50%APY$380 over 13 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. A penalty will be imposed for early withdrawal.
Offer: Limited-time offer. No minimum balance to obtain the stated APY.
Promotional rate · Effective Jun 23, 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 Frankfort, KY
37 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 3.75%
- Top 10% from
- 4.42%
- Banks, typical
- 3.50%
- Credit unions, typical
- 4.25%
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Frankfort, KY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 4 branches
- Expree Credit UnionCredit union · 1 branch