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Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 1–15 results in Owensboro, KY

  1. Liberty FCUCertificatesCD · 9 months · $1,000 min

    Credit union · 2 branches

    4.25%APY$317 over 9 months on $10,000intro rate
  2. 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 rate
  3. Owensboro Federal Credit UnionCertificate of DespositCD · 9 months · $1,000 min

    Credit union · 2 branches

    4.07%APY$304 over 9 months on $10,000
  4. Heritage Credit UnionCertificatesCD · 7 months · $2,500 min

    Credit union · 1 branch

    4.00%APY$231 over 7 months on $10,000
  5. German American BankCD SpecialsCD · 14 months · $1,000 min

    Bank · 3 branches

    4.00%APY$468 over 14 months on $10,000intro rate
  6. Peoples Bank17 Month CD SpecialCD · 17 months · $1,000 min

    Bank · 2 branches

    3.75%APY$535 over 17 months on $10,000intro rate
  7. Peoples Bank5 Month CDCD · 5 months · $1,000 min

    Bank · 2 branches

    3.54%APY$146 over 5 months on $10,000intro rate
  8. Peoples Bank13 Month CD SpecialCD · 13 months · $1,000 min

    Bank · 2 branches

    3.50%APY$380 over 13 months on $10,000intro rate
  9. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 2 branches

    3.30%APY$219 over 8 months on $10,000with conditions
  10. U.S. BankCD SpecialCD · 6 months · $1,000 min

    Bank · 3 branches

    3.25%APY$161 over 6 months on $10,000
  11. Audubon Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · 1 branch

    1.00%APY$406 over 48 months on $10,000
  12. U.S. BankTrade Up CDCD · 60 months · $1,000 min

    Bank · 3 branches

    0.40%APY$202 over 60 months on $10,000
  13. U.S. BankStep Up CDCD · 28 months · $1,000 min · 4 steps

    Bank · 3 branches

    0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
  14. U.S. BankU.S. Bank Certificates of DepositCD · 60 months · $500 min

    Bank · 3 branches

    0.25%APY$126 over 60 months on $10,000
  15. ChaseCD LadderCD · 6 months · $1,000 min · 0.02%–0.05% by balance

    Bank · 2 branches

    0.05%APY$2 over 6 months on $10,000with conditions

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 Owensboro, KY

148 CDs at 9 banks and credit unions · checked Oct 6–22

Typical
0.50%
Top 10% from
3.50%
Banks, typical
0.05%
Credit unions, typical
1.65%

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Kentucky

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Commonwealth Credit UnionCredit union · 18 branches
  2. Brown Forman Employees Credit UnionCredit union · 1 branch
  3. Members Heritage CUCredit union · 5 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate