Compare Bank & Credit Union Rates
Best savings rates in Paducah, 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 Paducah, KY
- FNB BankHigh Yield Money MarketHigh Yield Money Market · $10,000 min · 1.50%–3.66% by balance
Bank · 1 branch
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 - Signet Federal Credit UnionSpecial SavingsSavings · $5 min · 0.40%–1.25% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: No monthly service fees. Dividends paid quarterly determined by the average daily balance method. Accounts with no activity for one year and balance less than $100.00 assessed a $10.00 monthly dormant fee (under 18 exempt). Opening minimum $5.
Offer: Average daily balance method; dividends credited quarterly.
0.40% interest rate · No monthly fee
Rate by balance
Rate by balance for Special Savings Balance APY Up to $5,000 0.40% $5,000 – $10,000Your amount 0.50% $10,000 – $25,000 0.95% $25,000 – $100,000 1.10% $100,000 and up 1.25% Rate checked
More details - Signet Federal Credit UnionRegular SavingsSavings · $5 min · 0.40%–1.25% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: No monthly service fees. Dividends paid quarterly determined by the average daily balance method. Accounts with no activity for one year and balance less than $100.00 assessed a $10.00 monthly dormant fee (under 18 exempt). Opening minimum $5.
Offer: Average daily balance method; dividends credited quarterly.
0.40% interest rate · No monthly fee
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $5,000 0.40% $5,000 – $10,000Your amount 0.50% $10,000 – $25,000 0.95% $25,000 – $100,000 1.10% $100,000 and up 1.25% 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 - WBH Federal Credit UnionRegular and Special Shares AccountSavings · $25 min · 0.10%–0.40% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000intro rateRequirements
Product: All members must have a regular savings account and maintain a minimum balance of $5.00 to remain a member. $25.00 opening balance required. Variable rate that may change without notice after opening. Fees may reduce earnings.
Offer: Variable rate; fees may reduce earnings.
Promotional rate · 0.10% interest rate · Effective Jan 1, 2023
Rate by balance
Rate by balance for Regular and Special Shares Account Balance APY Up to $5,000 0.10% $5,000 – $10,000 0.20% $10,000 – $20,000Your amount 0.30% $20,000 and up 0.40% Rate checked
More details - C-Plant Federal Credit UnionSuper Shares AccountSavings · $1,000 min · 0.25%–0.50% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Tiered rate savings account. If balance falls below $1,000, the remaining balance is transferred to the regular/Membership Savings rate. Six withdrawals or transfers to another institution or third party allowed per cycle.
Offer: If balance falls below $1,000, remaining balance earns Membership Savings rate.
No monthly fee · Effective Jan 20, 2026
Rate by balance
Rate by balance for Super Shares Account Balance APY $1,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $75,000 0.35% $75,000 – $100,000 0.50% $100,000 – $250,000 0.50% $250,000 and up 0.50% Rate checked
More details - C-Plant Federal Credit UnionSuper Shares AccountSuper Shares Account · $1,000 min · 0.25%–0.50% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: If balance falls below $1,000, the remaining balance earns the regular/Membership Savings rate. Up to six third-party withdrawals/transfers per month.
Offer: If balance falls below $1,000, the remaining balance is transferred to Membership Savings rate
No monthly fee · Effective Jan 20, 2026
Rate by balance
Rate by balance for Super Shares Account Balance APY $1,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $75,000 0.35% $75,000 – $100,000 0.50% $100,000 – $250,000 0.50% $250,000 and up 0.50% Rate checked
More details - C-Plant Federal Credit UnionKasasa SaverSavings · $0 min · 0.25%–0.50% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Qualifications to earn top rate: at least 12 debit card purchases post and settle, enroll in and agree to receive e-statements, and enroll/log into online banking per monthly qualification cycle. Limit 1 account per SSN.
Offer: When qualification criteria are met in linked checking account during monthly qualification cycle.
Qualified rate · 0.50% interest rate · No monthly fee · Effective Jan 20, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $10,000 0.50% $10,000 and upYour amountWhen qualification criteria are met; 0.25% 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 - 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Establishes membership with C-Plant Federal Credit Union. Inactive savings accounts will be closed 30 days after dropping below par value of $5. Maintain a $5 minimum balance to avoid a $5 inactive account fee.
Offer: Dividends paid quarterly on balances of $5 or more. Maintain $5 minimum balance to avoid $5 inactive account fee.
0.10% interest rate · Effective Jan 20, 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 Paducah, KY
22 accounts at 8 banks and credit unions · checked Sep 25–Oct 22
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.18%
- Credit unions, typical
- 0.25%
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Paducah, KY-IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Signet Federal Credit UnionCredit union · 3 branches