Compare Bank & Credit Union Rates
Best savings rates in Owensboro, 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 Owensboro, KY
- 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 - Liberty FCUMoney Market Share AccountsMoney Market Share Accounts · $1,000 min · 1.00%–4.00% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Requires a minimum balance to open. Dividends are computed on the daily balance and paid monthly for days in which the minimum balance is on deposit. Dividends are established monthly at a rate determined by the Liberty FCU Board of Directors. Fees may reduce earnings.
1.00% interest rate
Rate by balance
Rate by balance for Money Market Share Accounts Balance APY $1,000 – $9,999 1.00% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.50% $250,000 – $999,999 3.00% $1,000,000 and up 4.00% Rate checked
More details - Heritage Credit UnionRewards SavingsSavings · $50 min · 0.50%–0.75% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Qualifications to earn higher APY tier must be met during each monthly Qualification Cycle: at least 12 debit card purchases, enrolled in and log into digital banking, enrolled in e-statements, and at least 1 direct deposit into the account. Monthly dividend period. Only funds comprising each tier earn that tier's rate.
Offer: Qualifications met. Tier applies to portion of balance.
Qualified rate · 0.75% interest rate · Effective Sep 1, 2023
Rate by balance
Rate by balance for Rewards Savings Balance APY Any balanceYour amount 0.75% $100,000 and up 0.50%* Rate checked
More details - Audubon Federal Credit UnionMoney MarketMoney Market · $10,000 min · 0.30%–0.45% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Rates subject to change monthly. One free withdrawal per month allowed, $10.00 for each additional withdrawal.
Offer: Minimum balance required to earn stated APY: $10,000.00.
0.30% interest rate · Effective Jul 1, 2022
Rate by balance
Rate by balance for Money Market Balance APY $10,000 – $24,999Your amount 0.30% $25,000 – $49,999 0.35% $50,000 – $74,999 0.40% $75,000 and up 0.45% Rate checked
More details - Owensboro Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.10%–0.25% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Rates subject to change monthly. Three withdrawals per month; $5.00 fee for each excessive share withdrawal.
Offer: Tier 1. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal.
0.10% interest rate · Effective Sep 1, 2020
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $5,000 0.10% $5,000 – $10,000Tier 2. 0.10% $10,000 – $15,000Your amountTier 3. 0.25% $15,000 and upTier 4. 0.25% Rate checked
More details - Audubon Federal Credit UnionAccumulationSavings · $1,000 min · 0.15%–0.30% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Two withdrawals per month allowed, $10.00 for each additional withdrawal. Rates subject to change monthly.
0.15% interest rate · Effective Jul 1, 2022
Rate by balance
Rate by balance for Accumulation Balance APY $1,000 – $4,999 0.15% $5,000 – $9,999 0.20% $10,000 – $24,999Your amount 0.25% $25,000 and up 0.30% Rate checked
More details - 0.20%APY$20 a year on $10,000
0.20% interest rate · Effective Feb 1, 2025
Rate checked
More details - Heritage Credit UnionMoney Market CheckingMoney Market Checking · $1,000 min · 0.15%–2.25% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Rates are variable and may change after accounts are open. Dividend period is monthly.
Offer: Rates are variable and subject to change.
0.15% interest rate · Effective Jun 20, 2023
Rate by balance
Rate by balance for Money Market Checking Balance APY $1,000 and up 0.15% $10,000 and upYour amount 0.20% $25,000 and up 0.25% $50,000 and up 0.25% $100,000 and up 0.25% $250,000 and up 0.75% $325,000 and up 1.25% $500,000 and up 1.75% $750,000 and up 2.25% Rate checked
More details - Heritage Credit UnionGeneral ShareSavings · $100 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000intro rateRequirements
Product: Monthly dividend period. Rates are variable and may change after account opening.
Promotional rate · 0.05% interest rate · Effective Jun 20, 2023
Rate by balance
Rate by balance for General Share Balance APY $100 and up 0.05% $10,000 and upYour amount 0.10% $25,000 and up 0.15% Rate checked
More details - Heritage Credit UnionPrimary ShareSavings · $100 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: $5 minimum balance represents ownership in the credit union. Monthly dividend period. Rates are variable and may change after account opening.
0.05% interest rate · Effective Jun 20, 2023
Rate by balance
Rate by balance for Primary Share Balance APY $100 and up 0.05% $10,000 and upYour amount 0.10% $25,000 and up 0.15% Rate checked
More details - Heritage Credit UnionPrime Performance SavingsSavings · $10,000 min · 0.05%–2.25% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Monthly dividend period. Rates are variable and may change after account opening. Rate tiers based on account balance.
0.05% interest rate · Effective Jun 20, 2023
Rate by balance
Rate by balance for Prime Performance Savings Balance APY Any balance 0.05% $10,000 and upYour amount 0.10% $25,000 and up 0.15% $50,000 and up 0.20% $100,000 and up 0.25% $200,000 and up 0.30% $250,000 and up 0.75% $325,000 and up 1.25% $500,000 and up 1.75% $750,000 and up 2.25% 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 - 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
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 Owensboro, KY
32 accounts at 9 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 0.71%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.15%
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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