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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.

Term
Location

Top CD rates

Showing 1–15 results in Kentucky

  1. UK Credit UnionSpecial CertificateCD · 9 months · $1,000 min

    Credit union · 10 branches

    5.00%APY$373 over 9 months on $10,000intro rate
  2. Top Carrot, Carrot Score 95
    Commonwealth Credit UnionWealth Development CertificateCD · 24 months · $5 min

    Credit union · 18 branches

    5.00%APY$1,025 over 24 months on $10,000
  3. Lincoln National BankCertificates of Deposit (CDs)CD · 13 months · $500 min

    Bank · 5 branches

    4.65%APY$505 over 13 months on $10,000
  4. Bank of BuffaloCertificate of DepositCD · 13 months · $500 min

    Bank · 3 branches

    4.60%APY$499 over 13 months on $10,000
  5. Top Carrot, Carrot Score 90
    Louisville Federal Credit UnionShare CertificateCD · 6 months · $1,000 min

    Credit union · 2 branches

    4.50%APY$223 over 6 months on $10,000
  6. Peoples Exchange Bank13-Month CD SpecialCD · 13 months

    Bank · 8 branches

    4.50%APY$488 over 13 months on $10,000intro rate
  7. Top Carrot, Carrot Score 91
    Abound Credit UnionCertificate AccountCD · 15 months · $500 min

    Credit union · 17 branches

    4.50%APY$566 over 15 months on $10,000intro rate
  8. Top Carrot, Carrot Score 90
    Cinfed Credit Union45 Month 450 CertificateCD · 45 months · $500 min

    Credit union · 2 branches

    4.50%APY$1,795 over 45 months on $10,000intro rate
  9. Top Carrot, Carrot Score 94
    Members Heritage CUTerm Share CertificatesCD · 60 months · $500 min

    Credit union · 5 branches

    4.50%APY$2,462 over 60 months on $10,000intro rate
  10. Top Carrot, Carrot Score 90
    Central BankCertificate of DepositCD · 60 months · $500 min

    Bank · 29 branches

    4.50%APY$2,462 over 60 months on $10,000
  11. Top Carrot, Carrot Score 95
    Commonwealth Credit UnionCertificateCD · 60 months · $500 min

    Credit union · 18 branches

    4.50%APY$2,462 over 60 months on $10,000
  12. Top Carrot, Carrot Score 88
    American Bank & TrustCertificate of DepositCD · 15 months · $1,000 min

    Bank · 6 branches

    4.45%APY$559 over 15 months on $10,000
  13. Banterra BankCertificate of DepositCD · 36 months · $1,000 min

    Bank · 2 branches

    4.40%APY$1,379 over 36 months on $10,000intro rate
  14. Top Carrot, Carrot Score 90
    Central BankCD Management AccountCD · 12 months · $2,500 min

    Bank · 29 branches

    4.38%APY$438 over 1 year on $10,000
  15. Bank of LexingtonBank of Lexington CD SpecialsCD · 12 months · $500 min

    Bank · 4 branches

    4.35%APY$435 over 1 year on $10,000intro rate

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 Kentucky

967 CDs at 115 banks and credit unions · checked Oct 15–22

Typical
3.00%
Top 10% from
4.10%
Banks, typical
2.26%
Credit unions, typical
3.24%

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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