Compare Bank & Credit Union Rates
Best savings rates in Murray, 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 Murray, KY
- FNB BankHigh Yield Money MarketHigh Yield Money Market · $10,000 min · 1.50%–3.66% by balance
Bank · 2 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 - 3.00%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 - 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 - 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 - 0.45%APY$45 a year on $10,000
Requirements
Product: Six withdrawals per month ($1 fee per additional withdrawal). Free E-Statements. $5 fee for each bank personnel assisted withdrawal.
0.45% interest rate · Effective Jan 3, 2024
Rate by balance
Rate by balance for E-Savings Balance APY Up to $20,000Your amount 0.45% $20,000 – $100,000 0.75% $100,000 – $250,000 1.50% $250,000 and up 2.00% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Opening balance minimum $1,000.
Offer: Tier 1: $0–$9,999.99 balance.
0.20% interest rate · Effective Jan 3, 2024
Rate by balance
Rate by balance for Personal Investment Balance APY Up to $10,000 0.20% $10,000 – $250,000Your amount 0.30% $250,000 and up 2.00% 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: No service charges on active accounts. Six withdrawals per month ($1 fee per additional withdrawal). Interest paid quarterly.
0.20% interest rate · No monthly fee
Rate checked
More details - Community Financial Services BankCommunity SavingsSavings · $100 min · 0.05%–0.25% by balance
Bank · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: No minimum balance requirements; free ATM card; interest compounded daily and paid quarterly.
0.05% interest rate · Compounded daily
Rate by balance
Rate by balance for Community Savings Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $100,000 0.15% $100,000 – $250,000 0.20% $250,000 and up 0.25% Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - U.S. BankU.S. Bank Elite Money MarketU.S. Bank Elite Money Market · $0 min · 0.01%–3.40% by balance
Bank · 1 branch
0.01%APY$1 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for U.S. Bank Elite Money Market Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amount 0.01% $25,000 – $50,000 3.40% $50,000 – $100,000 3.40% $100,000 – $500,000 3.40% $500,000 – $10,000,000,000 3.40% Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly maintenance fee can be waived by maintaining a minimum daily ledger balance of $300 or more, scheduling a recurring preauthorized internal transfer of $25 or more per statement cycle into the Truist One Savings Account, being under 18 years of age (primary owner), or having any related Truist personal checking account (excluding Truist Confidence Account). $5 withdrawal limit fee assessed for each withdrawal over 6 per statement cycle (max 6 fees).
Offer: $5 monthly maintenance fee waived with $300 minimum daily ledger balance, $25+ recurring monthly internal transfer, minor under 18 primary owner, or related Truist personal checking account (excl. Confidence Account). $5 fee per withdrawal over 6 per statement cycle.
0.01% interest rate · $5 monthly fee · Effective Sep 28, 2026
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 Murray, KY
17 accounts at 6 banks and credit unions · checked Sep 17–Oct 22
- Typical
- 0.25%
- Top 10% from
- 2.40%
- Banks, 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