Compare Bank & Credit Union Rates
Best savings rates in Kentucky
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 46–60 results in Kentucky
- FirstBankConsumer Fed Funds Money MarketConsumer Fed Funds Money Market · $100 min · 1.56%–3.15% by balance
Bank · 5 branches
1.56%APY$156 a year on $10,000Requirements
Product: Variable-rate tiered account tied to the Effective Federal Funds Rate. $10 monthly service charge is waived with a minimum balance of $100,000 or if the account owner is a Primary or Secondary/Joint Owner on a FirstBank Essential Checking account. Includes six free withdrawals per statement cycle.
Offer: Tier 1: Entire daily balance of $0.01-$99,999.99 earns up to 1.56% APY. $10 monthly fee waived with a minimum balance of $100,000 or with an Essential Checking account.
$10 monthly fee · Effective Sep 18, 2026
Rate by balance
Rate by balance for Consumer Fed Funds Money Market Balance APY Up to $100,000Your amount 1.56% $100,000 and up 3.15% Rate checked
More details - 1.50%APY$150 a year on $10,000with conditions
Requirements
Product: Must have linked Kasasa Cash or Kasasa Cash Back checking account and meet monthly qualification cycle transactions to earn higher tier rates.
Offer: Qualifying Kasasa Cash/Cash Back account linked and monthly qualification cycle transactions met.
Qualified rate · No monthly fee · Effective Nov 1, 2022
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $500,000Your amount 1.50% $500,000 and up 0.10% Rate checked
More details - Central BankCentral Money Market AccountCentral Money Market Account · $2,500 min · 1.25%–2.75% by balance
Bank · 29 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 · 29 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 - 1.50%APY$150 a year on $10,000intro rate
Requirements
Product: Available for ages 18+. Minimum opening deposit $50. $5 monthly service fee waived when paired with Magnify Checking. Variable rate account; rate may change after opening. $wipe N $ave automatically included when bundled with Magnify Checking.
Promotional rate · 1.00% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Magnify Savings Balance APY Up to $10,000 1.00% $10,000 and upYour amount 1.50% Rate checked
More details - Old Kentucky Home Federal Credit UnionMoney Market AccountMoney Market Account · $5,000 min
Credit union · 1 branch
1.26%APY$126 a year on $10,0001.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Advanz Credit UnionCash Investment AccountSavings · $1,000 min · 1.00%–1.51% by balance
Credit union · 4 branches
1.21%APY$121 a year on $10,000Requirements
Product: Minimum $1,000 balance required to earn dividend; calculated on average daily balance.
Effective Jul 1, 2025
Rate by balance
Rate by balance for Cash Investment Account Balance APY $1,000 – $2,499 1.00% $2,500 – $9,999 1.11% $10,000 – $24,999Your amount 1.21% $25,000 – $49,999 1.31% $50,000 – $99,999 1.41% $100,000 and up 1.51% Rate checked
More details - Morehead Community Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,000 min · 0.00%–2.27% by balance
Credit union · 1 branch
1.16%APY$116 a year on $10,000Requirements
Product: No monthly fees. Up to six transfers per month. Monthly interest earned on accounts with a balance of at least $2,000.00. Rate tiers are determined by the average daily balance of the dividend period on the last day of the month.
Offer: Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. Monthly interest earned on balances of at least $2,000.00.
0.00% interest rate · No monthly fee · Effective Aug 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,000 0.00% $2,000 – $10,000 0.50% $10,000 – $25,000Your amount 1.16% $25,000 – $50,000 1.41% $50,000 – $100,000 1.71% $100,000 and up 2.27% Rate checked
More details - Farmers BankPremium Money Market AccountPremium Money Market Account · $2,500 min · 1.00%–1.15% by balance
Bank · 4 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 - Autotruck Financial CUMoney MarketMoney Market · $2,500 min · 1.11%–2.53% by balance
Credit union · 5 branches
1.11%APY$111 a year on $10,000Requirements
Product: Dividends are calculated using a tiered dividend rate based on the daily balance. Dividends are paid monthly and the APY for each tier may change monthly.
Offer: Minimum balance required to earn the stated APY is $2,500.00.
1.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $24,999Your amount 1.11% $25,000 – $49,999 1.21% $50,000 – $99,999 1.41% $100,000 – $249,999 1.61% $250,000 and up 2.53% Rate checked
More details - Class Act Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.00%–1.50% by balance
Credit union · 6 branches
1.10%APY$110 a year on $10,000Requirements
Product: Tiered interest account with a minimum balance requirement of $2,500.
1.00% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 1.10% $25,000 – $50,000 1.20% $50,000 – $100,000 1.30% $100,000 – $250,000 1.40% $250,000 and up 1.50% 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 - 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 - The Cecilian BankTGIF Money MarketTGIF Money Market · $2,500 min · 0.10%–1.76% by balance
Bank · 19 branches
1.00%APY$100 a year on $10,000Requirements
Product: Initial deposit of $2,500 required. Limited transactions. A $10 monthly fee applies if collected daily balance drops below $2,500; maintain a $2,500 daily minimum balance to avoid monthly fee.
Offer: Maintain a $2,500 daily minimum balance to avoid the $10 monthly fee.
0.10% interest rate · $10 monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for TGIF Money Market Balance APY $1,000 – $2,500 0.10% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.26% $50,000 – $100,000 1.51% $100,000 and up 1.76% 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 Kentucky
269 accounts at 108 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.00%
- Banks, typical
- 0.15%
- Credit unions, 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