Compare Bank & Credit Union Rates
Best savings rates in Kentucky
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Kentucky
- 5.12%APY$512 a year on $10,000
Requirements
Product: Open and maintain Share Account with a $50 minimum balance at all times ($50 opening balance). A $20 minimum deposit is required per month. When the balance reaches $550, the account is converted / $500 of funds transferred to a 3-month CD. Penalties for early withdrawal.
Offer: $20 monthly deposit required. Once balance reaches $550, converted/transferred to a 3-month CD.
5.00% interest rate · Effective Jul 1, 2026
Rate checked
More details - General Electric Credit UnionThrive Money MarketThrive Money Market · $0 min · 1.80%–4.25% by balance
Credit union · 2 branches
4.25%APY$425 a year on $10,000intro rateRequirements
Product: Introductory offer 4.25% APY for first 90 days with $5,000 new money balance, funded within 30 days. Standard tiers 1.80% APY on balances. Membership eligibility required.
Offer: Tier 1 rate on daily balance up to $99.99.
Promotional rate · 1.79% interest rate · No monthly fee · Effective Jan 9, 2026
Rate by balance
Rate by balance for Thrive Money Market Balance APY Up to $100 1.80% $100 – $5,000 1.80% $5,000 and upYour amountNew Thrive Money Market account; funded within 30 days; maintain $5,000 minimum; introductory period 90 days. 4.25% $25,000 – $250,000 1.80% $250,000 and up 1.80% Rate checked
More details - Beacon Community Credit UnionMoney Market CheckingMoney Market Checking · $2,500 min · 0.50%–4.00% by balance
Credit union · 3 branches
4.00%APY$400 a year on $10,000Requirements
Product: Minimum $2,500 deposit to open. Tiered dividends based on balance. Maximum 3 share drafts / checks per month drawn on MM and maximum 3 withdrawals or transfers per month.
Offer: Avg Balance up to $10K
3.93% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $10,000Your amount 4.00% $10,000 – $25,000 0.50% $25,000 – $50,000 0.80% Over $50,000Over $50,000 1.00% Rate checked
More details - Republic BankPromotional Premium Money Market AccountPromotional Premium Money Market Account · $5,000 min · 0.65%–3.75% by balance
Bank · 29 branches
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: Requires applicant to be a Tennessee resident and not have a Republic Bank personal Money Market account at opening. Must open or maintain a primary Republic personal checking account and conduct 5 or more qualifying transactions (Direct deposit ACH credit, Bill Pay, POS Debit, ACH Debit) within any one of the first 3 statement cycles following opening; otherwise rate reverts to standard chart. Must be opened with at least $5,000 in funds not currently held on deposit at Republic Bank. A $10 fee applies if balance falls below $5,000 during statement cycle. Interest rate paid on entire balance.
Qualified rate · 0.65% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Promotional Premium Money Market Account Balance APY Up to $5,000 0.65% $5,000 – $100,000Your amountPromotional rate requires qualifying checking account and transaction criteria. 3.75% $100,000 – $7,500,000Promotional rate requires qualifying checking account and transaction criteria. 3.75% Over $7,500,000 0.65% Rate checked
More details - 3.50%APY$350 a year on $10,000intro rate
Requirements
Product: Valid only for new money not currently on deposit with Blue Grass Federal. Promotional rate locked for first 5 months; after 5 months rate reverts to standard tiered rates based on Select Money Market account. $10 monthly fee waived with minimum average daily balance of $5,000 during promo (minimum average daily balance $10,000 required after promo). $50 fee if closed before 150 days. Limit 6 preauthorized/electronic transactions per month.
Offer: Promotional rate for first 5 months; minimum average daily balance of $5,000 required to avoid $10 monthly service fee during promo.
Promotional rate · 3.45% interest rate · $10 monthly fee · Effective Nov 7, 2025
Rate checked
More details - FNB BankHigh Yield Money MarketHigh Yield Money Market · $10,000 min · 1.50%–3.66% by balance
Bank · 10 branches
3.42%APY$342 a year on $10,000with conditionsRequirements
Product: Must have/establish and maintain an FNB Checking account with a minimum ledger balance of $1,000 to be eligible to open HYMM. If associated checking account closes, becomes inactive for 12 months, or balance falls below minimum, HYMM rate will be changed to lowest tier rate. Minimum opening deposit is $10,000. Available to consumers only (not available to businesses). Interest compounded and credited monthly; accrued interest not paid if account closes before interest is credited.
Offer: Under $10,000 tier. Also applies if associated checking account closes, becomes inactive for 12 months, or balance falls below $1,000.
Qualified rate · Effective Jul 13, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $10,000 1.50% $10,000 – $49,999Your amount 3.42% $50,000 – $99,999 3.42% $100,000 – $249,999 3.66% $250,000 and up 3.66% Rate checked
More details - 3.40%APY$340 a year on $10,000with conditions
Requirements
Product: Must be paired with an active FirstBank CD with a term of 6 months or greater.
Offer: Earn 3.40% APY on balances up to $50,000 when paired with an active FirstBank CD with a term of 6 months or greater. $5 monthly service charge if balance falls below $50 at any given time (or any day of the statement cycle). Interest credited on balances of $0.01 and above.
Qualified rate · Balance cap $50,000 · $5 monthly fee
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 10 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 2 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 10 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - Cumberland Valley National BankJefferson Premium Money Market AccountJefferson Premium Money Market Account · $2,500 min · 3.09%–3.61% by balance
Bank · 14 branches
3.09%APY$309 a year on $10,000intro rateRequirements
Product: Exclusive offer to Louisville MSA residents. Valid for new money only (funds not currently on deposit with CVNB). Available to individuals and businesses (institutional industries such as banks and brokerages are not eligible). Minimum deposit of $2,500 to open. $15 service fee charged if balance falls below $2,500 at any time during the statement cycle.
Offer: Rate guaranteed through July 30, 2026; variable and may change after 7/31/26. $15 monthly service fee if balance falls below $2,500 at any time during the statement cycle. Valid for new money only. Must reside within the Louisville MSA.
Promotional rate · 3.05% interest rate · $15 monthly fee · Effective Sep 16, 2026
Rate by balance
Rate by balance for Jefferson Premium Money Market Account Balance APY Up to $250,000Your amount 3.09% $250,000 and up 3.61% Rate checked
More details - 3.04%APY$304 a year on $10,000
Requirements
Product: Minimum to open: $50. No monthly maintenance fee.
Offer: Minimum balance $50. No monthly maintenance fee.
3.00% interest rate · No monthly fee · Effective Oct 4, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must link to Kasasa Cash or Kasasa Cash Back checking account. Qualification requirements during each Monthly Qualification Cycle: at least 12 debit card purchases, enroll in and log into online banking, and enroll in and agree to receive e-statements.
Offer: Qualifying rate when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account.
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must be bundled with YourStart Checking. $3 monthly fee applies if balance falls below $50. 4 free withdrawals per month ($2 per excess withdrawal). One YourStart Bundle allowed per primary account holder.
Offer: Premium APY applies to the first $15,000 in savings when paired with YourStart Checking. $3 monthly fee waived with minimum balance of $50.
Qualified rate · $3 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for YourStart® Savings Balance APY Up to $15,000Your amount 3.00% $15,000 and up 0.25% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must link to Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per social security number. Must be 18+ to apply online or 16+ to apply in branch with parent/guardian.
Offer: Requires meeting qualifications in attached Kasasa Cash or Kasasa Cash Back checking account during monthly qualification cycle (at least 12 debit card purchases post and settle, enrolled in and agree to receive e-statements, and enrolled in/log into online banking).
Qualified rate · No monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 3.00% $50,000 and up 2.50%* 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 savings accounts pay in Kentucky
269 accounts at 108 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.00%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.25%
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Kentucky
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 18 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Members Heritage CUCredit union · 5 branches