Compare Bank & Credit Union Rates
Best savings rates in Nicholasville, 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 Nicholasville, KY
- Members Heritage CUMoney Market AccountMoney Market Account · $2,500 min · 1.80%–2.50% by balance
Credit union · 1 branch
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 · 1 branch
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 - Central BankCentral Money Market AccountCentral Money Market Account · $2,500 min · 1.25%–2.75% by balance
Bank · 2 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 · 2 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 - Farmers BankPremium Money Market AccountPremium Money Market Account · $2,500 min · 1.00%–1.15% by balance
Bank · 3 branches
1.15%APY$115 a year on $10,000Requirements
Product: Must deposit $2,500.00 to open. Up to 6 pre-authorized transfers or withdrawals per month. $10.00 monthly service charge if daily balance falls below $2,500 anytime during statement cycle. Tiered rate structure.
Offer: Daily Balance <$10,000. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding.
1.00% interest rate · $10 monthly fee · Effective Sep 11, 2026
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $10,000 1.00% $10,000 and upYour amountMinimum daily balance to obtain APY is based on tiered rate structure. 1.15% Rate checked
More details - 1.15%APY$115 a year on $10,000
Requirements
Product: Interest compounded daily, credited quarterly. Free withdrawals/transfers up to 6 per quarterly statement cycle. $3.00 quarterly fee if daily balance falls below $250.00 (waived for minor accounts).
Offer: Minimum daily balance of $250.00 to obtain APY. Daily compounding frequency. Variable rate. $3.00 fee if daily balance falls below $250 during quarterly cycle (waived for minors).
1.14% interest rate · Compounded daily · Effective Sep 11, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: FDIC insured; Central NET online statements and Central MOBILE with mobile deposit included. Overdraft protection feature available. Maximum opening deposit for online accounts is $10,000. $2 monthly fee waived with a minimum daily balance of $200. $5 fee per excessive transfer/withdrawal over 6 per monthly statement cycle.
Offer: Variable interest, compounded daily and paid monthly on collected balances. The rate may change after the account is opened. Monthly maintenance fee of $2 waived if minimum daily balance of $200 is maintained.
1.00% interest rate · Compounded daily · $2 monthly fee
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 - 0.90%APY$90 a year on $10,000
Requirements
Product: Must deposit $2,500.00 to open. Up to 6 pre-authorized transfers or withdrawals per month. $10.00 monthly service charge if daily balance falls below $2,500 anytime during statement cycle. Minimum daily balance of $2,500 to obtain disclosed APY.
Offer: Minimum daily balance to obtain APY $2,500. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding.
0.90% interest rate · $10 monthly fee · Effective Sep 11, 2026
Rate checked
More details - UK Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–1.25% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Membership eligibility required; must maintain $5.00 par value share in a Primary Share account. Tiered-rate account where the applicable rate applies to the entire balance once the tier threshold is met. Business accounts are not eligible.
Offer: Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method.
0.60% interest rate · Compounded monthly · Effective Jun 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.60% $10,000 – $25,000Your amount 0.70% $25,000 – $50,000 1.00% $50,000 – $100,000 1.15% $100,000 and up 1.25% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: A Regular Savings account is a MHCU membership requirement. No monthly maintenance fee. Dividends calculated on average daily balance, paid quarterly.
Offer: $5.00 minimum balance. Dividends calculated on average daily balance, paid quarterly. The third quarter dividend period paid a dividend rate of 0.35% and an APY of 0.35%.
0.50% interest rate · No monthly fee · Effective Oct 22, 2026
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: 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
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 Nicholasville, KY
26 accounts at 8 banks and credit unions · checked Sep 25–Oct 22
- Typical
- 0.28%
- Top 10% from
- 1.50%
- Banks, typical
- 0.16%
- Credit unions, typical
- 0.50%
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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