Compare Bank & Credit Union Rates
Best savings rates in Frankfort, KY
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Franklin County, KY · Few institutions in Franklin County, KY: choose a wider area in the filters
- Commonwealth Credit UnionConsumer Money Market AccountsConsumer Money Market Accounts · $2,500 min · 1.80%–2.50% by balance
Credit union · 3 branches
1.95%APY$195 a year on $10,000Requirements
Product: Tiered rate account; dividend rate for a tier applies to the entire balance if the average daily balance falls within that tier. Minimum opening balance is $2,500. A $10 monthly service fee applies if the average balance falls below $2,500 during the month. Account will not earn dividends if the balance falls below $2,500. Limited to 6 preauthorized, automatic, or telephone transfers/withdrawals per month. Minimum withdrawal amount is $250 ($5 fee for transactions less than $250 or exceeding 6 per month).
1.79% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Consumer Money Market Accounts Balance APY $2,500 – $10,000 1.80% $10,000 – $25,000Your amount 1.95% $25,000 – $50,000 2.10% $50,000 – $100,000 2.25% $100,000 and up 2.50% Rate checked
More details - Expree Credit UnionMoney Market Savings AccountMoney Market Savings Account · $500 min · 1.70%–2.90% by balance
Credit union · 1 branch
1.85%APY$185 a year on $10,000Requirements
Product: Deposit $500 or more. Withdraw up to six times per month. Receive dividend payments every month.
1.69% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $500 – $9,999 1.70% $10,000 – $24,999Your amount 1.85% $25,000 – $99,999 2.10% $100,000 – $299,999 2.40% $300,000 and up 2.90% Rate checked
More details - Community Trust BankPreferred Index Money MarketPreferred Index Money Market · $2,500 min · 0.00%–3.48% by balance
Bank · 2 branches
1.69%APY$169 a year on $10,000Requirements
Product: Available in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. Requires $2,500 minimum to open account and earn interest. $10 monthly maintenance fee waived with $2,500 daily ledger balance. Rates tied to the 13-Week Treasury Bill Coupon Equivalent Rate minus specified margin by tier.
Offer: Tier 1 balance tier. $10 monthly maintenance fee waived with $2,500 daily ledger balance. $2,500 minimum required to open account and earn interest.
0.00% interest rate · $10 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Preferred Index Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amountTier 2 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 2.50% margin. 1.69% $25,000 – $50,000Tier 3 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.50% margin. 2.71% $50,000 – $100,000Tier 4 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.25% margin. 2.97% $100,000 – $250,000Tier 5 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.00% margin. 3.23% $250,000 and upTier 6 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 0.75% margin. 3.48% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - 0.60%APY$60 a year on $10,000with conditions
Requirements
Product: Works together with REWARDChecking. Variable interest rate. ATM fee refunds automatically deposited into REWARDSavings.
Offer: Requires meeting monthly REWARDChecking requirements: make 10 debit card purchases of $5 or more, receive monthly eStatements, and have 1 direct deposit or automatic payment. Applies to balances up to $15,000.
Qualified rate · Effective Jun 17, 2020
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Dividends compounded and credited monthly. No minimum deposit.
Offer: No minimum balance to earn APY; no minimum balance to avoid service fee.
0.50% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Earn dividends on average daily balance; dividend payments quarterly.
Offer: Start earning dividends with as little as $5.
0.15% interest rate · Effective Sep 23, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Dividends compounded and credited monthly based on average daily balance. No monthly service fees.
Offer: No minimum balance to earn APY; no minimum balance to avoid service fee.
0.15% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 1 branch
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.04% $100,000 – $250,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $250,000 – $500,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $500,000 – $1,000,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $1,000,000 and upStandard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Works together with REWARDChecking. Variable interest rate. ATM fee refunds automatically deposited into REWARDSavings.
Offer: Base rate received if monthly REWARDChecking qualifications are not met.
Qualified rate · Effective Jun 17, 2020
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 1 branch
0.04%APY$4 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account.
Qualified rate · 0.04% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.04% $10,000 – $25,000Your amount 0.04% $25,000 – $50,000 0.04% $50,000 – $100,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.04% $250,000 – $500,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% 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 Franklin County, KY
15 accounts at 6 banks and credit unions · checked Sep 17–Oct 22
- Typical
- 0.25%
- Top 10% from
- 1.79%
- Banks, typical
- 0.16%
- Credit unions, typical
- 0.50%
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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