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 61–75 results in Kentucky
- 1.00%APY$100 a year on $10,000
Requirements
Product: Interest is earned on the daily balance, accrued daily and compounded quarterly. Maintain a $100 daily balance to avoid a $5 service fee. A $5.00 dormant fee applies if no activity for 365 days (waived if balance >= $500.00).
Offer: Interest compounded quarterly. $5 monthly/quarterly fee if daily balance falls below $100.
1.00% interest rate · Compounded quarterly · $5 monthly fee · Effective Oct 2, 2026
Rate checked
More details - Liberty FCUMoney Market Share AccountsMoney Market Share Accounts · $1,000 min · 1.00%–4.00% by balance
Credit union · 11 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 - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 23 branches
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 - 0.90%APY$90 a year on $10,000
Requirements
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. Minimum daily balance of $2,500 to obtain disclosed APY.
Offer: Minimum daily balance to obtain APY $2,500. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding.
0.90% interest rate · $10 monthly fee · Effective Sep 11, 2026
Rate checked
More details - Heritage BankHeritage Money Market AccountsHeritage Money Market Accounts · $0 min · 0.55%–2.53% by balance
Bank · 17 branches
0.75%APY$75 a year on $10,000Requirements
Product: Interest rates are subject to change and tiered according to balance. Interest compounded daily and credited monthly.
0.55% interest rate · Compounded daily · Effective Sep 22, 2026
Rate by balance
Rate by balance for Heritage Money Market Accounts Balance APY Up to $10,000 0.55% $10,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.01% $100,000 – $250,000 1.77% $250,000 – $500,000 2.02% $500,000 and up 2.53% Rate checked
More details - KUE Federal Credit UnionKasasa SaverSavings · $0 min · 0.20%–0.75% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fee. No minimum balance to earn rewards. No minimum deposit to open. Limit 1 account per member.
Offer: When qualifications are met on linked Kasasa Cash or Kasasa Cash Back account (at least 1 direct deposit/ACH credit/ACH payment, at least 12 debit card purchases, online banking logon, and eStatements enrollment during Monthly Qualification Cycle).
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $10,000Your amount 0.75% Over $10,000When qualifications are met on linked Kasasa Cash or Kasasa Cash Back account; 0.20% Rate checked
More details - Park Community Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.75%–2.25% by balance
Credit union · 13 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: $10.00 monthly maintenance fee waived with active Park Perks or by maintaining a $1,000 minimum balance. 6 free withdrawals per month with $250 minimum withdrawal. $10.00 fee per occurrence for withdrawals under $250 or excess withdrawals beyond 6 per calendar month. Park Perks rates require enrollment in Park Perks (requires Thryve Checking account, debit card, and enrollment in Savings Jar with a minimum of one round up within the current statement cycle).
Offer: Requires active Park Perks enrollment (requires Thryve Checking account, debit card, and enrollment in Savings Jar with minimum of one round up in current statement cycle). Monthly maintenance fee waived.
Qualified rate · 0.75% interest rate · $10 monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $50,000Your amount 0.75% $50,000 – $150,000 1.30% $150,000 – $250,000 1.75% $250,000 and up 2.25% Rate checked
More details - Heritage Credit UnionRewards SavingsSavings · $50 min · 0.50%–0.75% by balance
Credit union · 3 branches
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 - UK Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–1.25% by balance
Credit union · 10 branches
0.70%APY$70 a year on $10,000Requirements
Product: Membership eligibility required; must maintain $5.00 par value share in a Primary Share account. Tiered-rate account where the applicable rate applies to the entire balance once the tier threshold is met. Business accounts are not eligible.
Offer: Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method.
0.60% interest rate · Compounded monthly · Effective Jun 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.60% $10,000 – $25,000Your amount 0.70% $25,000 – $50,000 1.00% $50,000 – $100,000 1.15% $100,000 and up 1.25% Rate checked
More details - Armed Forces BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.65%–1.75% by balance
Bank · 1 branch
0.70%APY$70 a year on $10,000intro rateRequirements
Product: A monthly service charge of $10 applies if balance falls below $1,000 on any day of the statement period. Closing account within 90 days of opening incurs a $25 fee.
Offer: Standard tier rate. Monthly service charge of $10 is waived if a $1,000 minimum balance is maintained per monthly statement cycle.
Promotional rate · $10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.65% $10,000 – $25,000Your amount 0.70% $25,000 – $50,000 0.80% $50,000 – $100,000 0.90% $100,000 – $250,000 1.25% $250,000 and up 1.75% Rate checked
More details - FirstBankMoney Market TieredMoney Market Tiered · $2,500 min · 0.00%–0.75% by balance
Bank · 5 branches
0.65%APY$65 a year on $10,000Requirements
Product: Tiered interest rate account. $10 minimum balance fee imposed every month the daily balance falls below $2,500.00. Six free withdrawals or transfers per statement cycle ($2 per transaction over 6). Applicant must be 18 years of age or older.
Offer: Tier 1: Daily balances of $0.00 to $2,499.99 earn 0.00% interest rate and 0.00% APY. Monthly fee of $10 applies if daily balance falls below $2,500.00.
0.00% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Tiered Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.65% $10,000 – $100,000Your amount$10 fee waived if daily balance remains at or above $2,500.00. 0.65% $100,000 – $250,000$10 fee waived if daily balance remains at or above $2,500.00. 0.70% $250,000 and up$10 fee waived if daily balance remains at or above $2,500.00. 0.75% Rate checked
More details - Southeast Financial Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.50% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Rates may change after account opening at credit union discretion. Fees may reduce earnings. Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 to earn interest.
Offer: Must meet minimum balance requirement to obtain stated rate.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.00% $2,500 – $10,000Your amountMinimum opening deposit of $2,500 required to start earning interest. 0.60% $10,001 – $25,000Minimum opening deposit of $2,500 required to start earning interest. 0.75% $25,001 – $50,000Minimum opening deposit of $2,500 required to start earning interest. 1.00% $50,001 – $75,000Minimum opening deposit of $2,500 required to start earning interest. 1.20% $75,001 – $100,000Minimum opening deposit of $2,500 required to start earning interest. 1.35% $100,001 and upMinimum opening deposit of $2,500 required to start earning interest. 1.50% Rate checked
More details - 0.60%APY$60 a year on $10,000with conditions
Requirements
Product: Works together with REWARDChecking. Variable interest rate. ATM fee refunds automatically deposited into REWARDSavings.
Offer: Requires meeting monthly REWARDChecking requirements: make 10 debit card purchases of $5 or more, receive monthly eStatements, and have 1 direct deposit or automatic payment. Applies to balances up to $15,000.
Qualified rate · Effective Jun 17, 2020
Rate checked
More details - Abound Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.55%–1.10% by balance
Credit union · 17 branches
0.55%APY$55 a year on $10,000Requirements
Product: Dividends paid and compounded monthly. Minimum balance to earn dividends: $1,000. Subject to $10 membership fee if not already a member. Subject to $10 monthly fee if balance falls below $1,000. Subject to excessive withdrawal fees if more than 6 withdrawals are made within a calendar month. Available to both consumer and business members.
Offer: 0.00% APY on balances less than $1,000. Minimum balance to earn APY: $1,000.00. Dividends compounded and credited monthly using Average Daily Balance method.
0.55% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 8, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000Your amount 0.55% $10,000 – $25,000 0.55% $25,000 – $50,000 0.65% $50,000 – $100,000 0.75% $100,000 – $250,000 1.10% Over $250,000 1.10% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: A Regular Savings account is a MHCU membership requirement. No monthly maintenance fee. Dividends calculated on average daily balance, paid quarterly.
Offer: $5.00 minimum balance. Dividends calculated on average daily balance, paid quarterly. The third quarter dividend period paid a dividend rate of 0.35% and an APY of 0.35%.
0.50% interest rate · No monthly fee · Effective Oct 22, 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 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