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 121–135 results in Kentucky
- 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 - Louisville/Jefferson County Metropolitan Sewer District (MSD)Regular Share AccountSavings · $5 min · 0.15%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Membership eligibility applies to employees/retirees of MSD, Louisville Water Company, MSDFCU, and their immediate family or household members. Dividends compounded and credited quarterly. Tiered rates are calculated by a progressive method. Transfers limited to no more than 6 preauthorized, automatic, or telephone transfers per month, of which no more than 3 may be by check, draft, or debit card. Par value of a regular share is $5.00.
Offer: Tiered rate paid by progressive method calculation on balance from $0 to $4,999.
0.15% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Regular Share Account Balance APY Up to $4,999 0.15% $5,000 – $9,999 0.20% $10,000 and upYour amount 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Variable rate account; interest compounded and credited quarterly using daily balance method. Minimum opening deposit $25. Six preauthorized/automatic/telephone transfers per statement month. $10 fee if closed within 180 days; $1 per in-person withdrawal over 6/month; $2 dormant fee per quarter after 1 year inactive. Includes Wysh Life Insurance benefit discontinued effective September 1, 2026.
0.25% interest rate · Effective Jul 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Variable rate account; rate may change. Fees may reduce earnings.
0.25% interest rate · Effective Jul 1, 2026
Rate checked
More details - First Federal Savings BankHigh Yield Money Market Deposit Account (MMDA)High Yield Money Market Deposit Account (MMDA) · $0 min · 0.25%–3.25% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Debit card access, check writing ability, and free notary service. Unlimited number of transactions. $10 monthly service fee is waived when you open a FFSB checking account.
Offer: $10 monthly service fee is waived when you open a FFSB checking account.
$10 monthly fee · Effective Apr 21, 2026
Rate by balance
Rate by balance for High Yield Money Market Deposit Account (MMDA) Balance APY Up to $24,999Your amount 0.25% $25,000 – $49,999 2.00% $50,000 – $99,999 2.25% $100,000 – $249,999 2.50% $250,000 – $499,999 2.75% $500,000 – $999,999 3.00% $1,000,000 and up 3.25% Rate checked
More details - First Federal Savings BankFirst Choice Money Market Deposit Account (MMDA)First Choice Money Market Deposit Account (MMDA) · $10,000 min · 0.00%–0.55% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Check writing ability and free notary service. $10 monthly service charge if balance falls below $10,000.
Offer: $10 monthly service charge if balance falls below $10,000.
$10 monthly fee · Effective Apr 21, 2026
Rate by balance
Rate by balance for First Choice Money Market Deposit Account (MMDA) Balance APY Up to $9,999 0.00% $10,000 – $24,999Your amount 0.25% $25,000 – $74,999 0.30% $75,000 – $149,999 0.50% $150,000 – $249,999 0.55% $250,000 and up 0.55% Rate checked
More details - First Federal Savings BankRegular Money Market Deposit Account (MMDA)Regular Money Market Deposit Account (MMDA) · $1,000 min · 0.00%–0.25% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Check writing ability and free notary service. $6 monthly service charge if balance falls below $1,000.
Offer: $6 monthly service charge if balance falls below $1,000.
$6 monthly fee · Effective Apr 21, 2026
Rate by balance
Rate by balance for Regular Money Market Deposit Account (MMDA) Balance APY Up to $999 0.00% $1,000 – $9,999 0.15% $10,000 and upYour amount 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: $100 daily minimum balance to avoid $5 monthly fee. Interest is earned quarterly.
0.20% interest rate · $5 monthly fee · Effective Oct 22, 2026
Rate checked
More details - Sacramento Deposit BankMoney Market AccountMoney Market Account · $2,500 min · 0.15%–0.25% by balance
Bank · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: ($2,500 minimum daily balance to obtain APY)
Offer: ($2,500 minimum daily balance to obtain APY)
0.15% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 and up 0.25% Rate checked
More details - Kentucky Farmers BankMoney Market Plus PersonalMoney Market Plus Personal · $1,000 min · 0.20%–1.25% by balance
Bank · 4 branches
0.20%APY$20 a year on $10,000Requirements
Product: Rates apply to customers who qualify.
Offer: Compounds monthly. < $25,000 tier.
0.20% interest rate · Effective Aug 31, 2026
Rate by balance
Rate by balance for Money Market Plus Personal Balance APY Up to $25,000Your amount 0.20% $25,000 – $100,000 1.00% $100,000 and upA service charge of $10.00 will be imposed every month if the daily balance on any day of the month falls below $25,000. 1.25% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Offer: Compounds monthly. Rates apply to customers who qualify.
0.20% interest rate · Effective Aug 31, 2026
Rate checked
More details - Lake Chem Community Credit UnionPremium Share Savings AccountSavings · $25 min · 0.15%–0.60% by balance
Credit union · 2 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Automatic upgrade when pairing savings with an active Checking Account. Dividends earned on quarterly average balances.
Offer: Requires an active checking account
Qualified rate · 0.15% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premium Share Savings Account Balance APY Up to $7,501 0.15% $7,501 – $10,001Your amount 0.20% $10,001 – $20,001 0.30% $20,001 – $50,001 0.35% $50,001 – $100,001 0.45% $100,001 and up 0.60% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: No service fee for members 22 years old or younger or with Average Daily Balance of $50 or more; $5 monthly service fee if Average Daily Balance is less than $50.
Offer: Average Daily Balance of $50.00 and over.
0.20% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: No service charges on active accounts. Six withdrawals per month ($1 fee per additional withdrawal). Interest paid quarterly.
0.20% interest rate · No monthly fee
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