Compare Bank & Credit Union Rates
Best savings rates in Lexington, 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 Lexington, KY
- Republic BankPromotional Premium Money Market AccountPromotional Premium Money Market Account · $5,000 min · 0.65%–3.75% by balance
Bank · 5 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 - Cumberland Valley National BankJefferson Premium Money Market AccountJefferson Premium Money Market Account · $2,500 min · 3.09%–3.61% by balance
Bank · 2 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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Available only to holders of a High Yield Checking or Cash Back Checking account. Limit one account per social security number. Dividends earned in High Yield Checking automatically transfer to High Yield Savings each statement cycle and do not compound. No account limitations apply. Requires purchasing and maintaining at least 1 share ($10.00 par value) for membership.
Offer: Earn 3.00% APY on balances up to $100,000 when meeting qualifications for High Yield Checking or Cash Back Checking.
Qualified rate · Balance cap $100,000 · No monthly fee
Rate checked
More details - Republic BankPremium Money Market AccountPremium Money Market Account · $5,000 min · 0.75%–2.50% by balance
Bank · 5 branches
2.25%APY$225 a year on $10,000Requirements
Product: Must be opened with funds not currently held on deposit at Republic Bank. To avoid a $10 monthly fee, maintain a $5,000 minimum balance each statement cycle. Interest rate paid on entire balance in account.
0.75% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $5,000 0.75% $5,000 – $100,000Your amount 2.25% $100,000 – $7,500,000 2.50% $7,500,000 and up 0.75% Rate checked
More details - The Health and Education Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 2.00%–2.50% by balance
Credit union · 2 branches
2.25%APY$225 a year on $10,000Requirements
Product: Dividends calculated on average daily balance, paid quarterly. Minimum balance of $2,500 required to earn dividends. Accounts verified by ChexSystems.
1.98% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 2.00% $10,000 – $25,000Your amount 2.25% $25,000 and up 2.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Members Heritage CUMoney Market AccountMoney Market Account · $2,500 min · 1.80%–2.50% by balance
Credit union · 3 branches
1.95%APY$195 a year on $10,000Requirements
Product: Dividends calculated on average daily balance and paid monthly. Minimum balance of $2,500 required to earn dividends. Up to 3 free withdrawals per month ($10.00 fee per additional withdrawal). No minimum balance required to keep the account open. All accounts verified by ChexSystems.
1.79% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account 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 - Commonwealth Credit UnionConsumer Money Market AccountsConsumer Money Market Accounts · $2,500 min · 1.80%–2.50% by balance
Credit union · 2 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 - Metro Plus Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 2 branches
1.76%APY$176 a year on $10,000Requirements
Product: Six withdrawals allowed per calendar month (three can be checks, other items must be pre-authorized debits, transfers, or cash withdrawals). Compounded monthly.
Offer: As high as 1.76% APY. Tiered rates compound monthly. $2,500 minimum balance required.
Compounded monthly · No monthly fee
Rate checked
More details - 1.75%APY$175 a year on $10,000with conditions
Requirements
Product: Accessible at 30,000 ATMs nationwide (checking account required). Variable rates. Dividends compounded daily and paid monthly.
Offer: Tier 1. No dividends paid. Dividends compounded daily and paid monthly. Variable rate.
Qualified rate · 0.00% interest rate · Compounded daily · Effective Oct 4, 2026
Rate by balance
Rate by balance for Premium Savings Balance APY Up to $499 0.00% $500 – $9,999Tier 2. Minimum amount to receive APY is $500. 1.50% $10,000 – $49,999Your amountTier 3. Minimum amount to receive APY is $10,000. 1.75% $50,000 – $99,999Tier 4. Minimum amount to receive APY is $50,000. 2.00% $100,000 and upTier 5. Minimum amount to receive APY is $100,000. 2.25% Rate checked
More details - Community Trust BankPreferred Index Money MarketPreferred Index Money Market · $2,500 min · 0.00%–3.48% by balance
Bank · 6 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 - Central BankCentral Money Market AccountCentral Money Market Account · $2,500 min · 1.25%–2.75% by balance
Bank · 12 branches
1.50%APY$150 a year on $10,000Requirements
Product: Monthly maintenance fee is waived if a minimum daily balance of $2,500 is maintained; otherwise $10. Up to 6 withdrawals/transfers per monthly statement cycle without incurring excessive withdrawal fee ($10 per excessive transfer/withdrawal). Online opening deposit maximum is $10,000. Interest is compounded daily and credited monthly on collected balances. Rates are variable and tiered. Interest accrues on the entire collected balance at the rate for that balance tier.
1.24% interest rate · Compounded daily · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Central Money Market Account Balance APY Up to $10,000 1.25% $10,000 – $50,000Your amount 1.50% $50,000 – $100,000 1.75% $100,000 – $250,000 2.50% $250,000 and up 2.75% Rate checked
More details - Central BankPersonal Money Market PlusPersonal Money Market Plus · $0 min · 1.50%–3.50% by balance
Bank · 12 branches
1.50%APY$150 a year on $10,000Requirements
Product: Interest on Money Market accounts accrues on the entire collected balance at the rate for that balance tier. Variable rate may change after opening. Daily compounding of interest for 365 days.
1.49% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Money Market Plus Balance APY Up to $500,000Your amount 1.50% $500,000 and up 3.50% Rate checked
More details - 1.01%APY$101 a year on $10,000with conditions
Requirements
Product: Must have an active Kasasa Cash, Kasasa Play, or Kasasa Cash Back checking account. Requires enrollment in online banking and electronic statements. Limit 1 account per social security number.
Offer: Earned on balances up to $10,000 when qualifying transactions/activities post and settle to linked Kasasa checking during Monthly Qualification Cycle: at least 12 debit card purchases and at least 1 direct deposit or ACH transaction.
Qualified rate · No monthly fee · Effective Sep 22, 2022
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 Lexington, KY
72 accounts at 27 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.95%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.20%
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Lexington, KY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 6 branches
- Members Heritage CUCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch