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 106–120 results in Kentucky
- Beacon Community Credit UnionMoney Market CheckingMoney Market Checking · $2,500 min · up to $10,000
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Minimum $2,500 deposit to open. Tiered dividends based on balance. Maximum 3 share drafts / checks per month drawn on MM and maximum 3 withdrawals or transfers per month.
0.25% interest rate · Effective Jul 1, 2025
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Open for $5 to own a share of the credit union. Offers payroll deductions and unlimited transactions.
0.25% interest rate · No monthly fee · Effective Sep 24, 2026
Rate checked
More details - Lake Chem Community Credit UnionShare Savings AccountSavings · $10 min · 0.25%–0.50% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are paid quarterly. No monthly minimum balance required. Complimentary ATM card included with access to 24-hour ATMs. $25 goes to membership share representing ownership. Dormant fee of $10.00 imposed on savings accounts with no activity for 24 months. Sub-accounts can be added.
0.25% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Share Savings Account Balance APY Up to $20,001Your amount 0.25% $20,001 – $50,001 0.30% $50,001 – $100,001 0.40% $100,001 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: Required balance to open the account and earn the Annual Percentage Yield.
0.25% interest rate · Effective Oct 9, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Open with $5 deposit. Dividends paid monthly. Membership in Delta Community Credit Union required.
Offer: Rates may vary after account is opened. $5.00 minimum deposit / minimum balance required.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Secondary savings account to keep funds separate from primary savings. No minimum deposit required. Earns the same dividend rate as Primary Savings.
Offer: Earns the same dividend rate as Primary Savings.
0.25% interest rate · No monthly fee
Rate checked
More details - Service One Credit UnionPremium Money MarketPremium Money Market · $0 min · 0.25%–4.00% by balance
Credit union · 6 branches
0.25%APY$25 a year on $10,000Requirements
Product: In order to obtain the disclosed annual percentage yield, must maintain a minimum balance of $0.01. Dividends calculated by the daily balance method applying a daily periodic rate to the entire principal balance. Limit of six withdrawals or transfers per calendar month.
Offer: Rates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance.
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $100,000Your amount 0.25% $100,000 – $250,000 1.50% $250,000 – $400,000 3.00% $400,000 and up 4.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: Dividend payment: Quarterly. Plan Code: 1.
0.25% interest rate · Effective Dec 1, 2025
Rate checked
More details - C-Plant Federal Credit UnionSuper Shares AccountSavings · $1,000 min · 0.25%–0.50% by balance
Credit union · 9 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 · 9 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 · 9 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: Interest is compounded and paid quarterly. An excess withdrawal fee will be assessed on each transaction exceeding 3 per quarter. Subject to a $1.00 minimum balance fee if the average daily balance falls below $100.00 during a statement cycle.
Offer: Interest is compounded and paid quarterly. Subject to a $1.00 minimum balance fee if average daily balance falls below $100.00 during a statement cycle. Excess withdrawal fee assessed on transactions exceeding 3 per quarter.
0.25% interest rate · Effective Oct 1, 2024
Rate checked
More details - Owensboro Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.10%–0.25% by balance
Credit union · 3 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Serves as primary Credit Union account. Federally insured by NCUA. Rates may change after account is opened. Fees could change earnings.
0.25% interest rate · Effective Apr 1, 2022
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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