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 76–90 results in Kentucky
- 0.50%APY$50 a year on $10,000
Requirements
Product: Earns interest for each day the account balance is above $100.00. Interest credited quarterly.
Offer: Minimum balance to earn interest is $100.00. Interest credited/compounded quarterly.
0.50% interest rate · Compounded quarterly · No monthly fee · Effective Aug 31, 2026
Rate checked
More details - Service One Credit UnionMoney MarketMoney Market · $2,500 min · 0.50%–1.25% by balance
Credit union · 6 branches
0.50%APY$50 a year on $10,000Requirements
Offer: Rates may change after account is opened. A penalty may be imposed for early withdrawals.
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.50% $25,000 – $100,000 0.75% $100,000 – $250,000 1.00% $250,000 and up 1.25% Rate checked
More details - Bank of the BluegrassBluegrass Choice SaverSavings · $1 min · 0.50%–3.00% by balance
Bank · 4 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Must be bundled/opened with a new or existing Bluegrass Preferred Interest or Bluegrass Simply Cash Back account. Monthly fee waived with minimum daily balance of $0.00.
Offer: Qualifications in the bundled Bluegrass Rewards Checking account are met: 12 debit card POS purchase transactions post and settle per monthly qualification cycle, enrolled in and receive e-Statements, and log into Online Banking at least once per cycle.
Qualified rate · No monthly fee · Effective Dec 1, 2025
Rate by balance
Rate by balance for Bluegrass Choice Saver Balance APY Up to $50,000Your amount 0.50% $50,000 and up 3.00% Rate checked
More details - Signet Federal Credit UnionSpecial SavingsSavings · $5 min · 0.40%–1.25% by balance
Credit union · 4 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 · 4 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 - 0.50%APY$50 a year on $10,000
Requirements
Product: Dividends compounded and credited monthly. No minimum deposit.
Offer: No minimum balance to earn APY; no minimum balance to avoid service fee.
0.50% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Required for membership. Dividends paid quarterly. Accessible at 30,000 ATMs nationwide (checking account required).
Offer: Dividends compounded and paid quarterly. Variable rate. $25.00 minimum balance to earn dividends/stated APY.
Qualified rate · 0.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Requires opening deposit of $0 to earn stated APY. After balance reaches $500, a VISA ONE Credit Card with a $500 credit limit is issued and funds are frozen. Credit limit can be increased in multiples of $500 as additional savings tiers are reached.
Offer: Dividends compounded and paid quarterly. Variable rate. Minimum balance to open account and earn stated APY is $0.
0.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Money Market Account prevailing rate based on tiered balance structure. The APY disclosed on the website is for the highest tiered balance. Deposit Accounts subject to fees may reduce earnings.
Offer: APY disclosed is for the highest tiered balance. Prevailing rate based on tiered balance structure.
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Membership required ($5 share purchase). Daily compounding, quarterly dividends. Variable rate. No monthly service fee.
0.50% interest rate · No monthly fee · Effective Jul 1, 2026
Rate checked
More details - LG&E Co. Credit UnionMoney Market Checking AccountsMoney Market Checking Accounts · $2,500 min · 0.50%–2.02% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: $2,500 minimum balance to avoid a $25 monthly fee. Maximum of 3 checks or withdrawals each month (no limit on transfers). Account may be closed if it falls below $2,500 for 90 days or more.
Offer: $2,500 minimum balance; $25 monthly fee if balance falls below minimum during the month; maximum 3 checks or withdrawals per month.
0.50% interest rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Checking Accounts Balance APY $2,500 – $200,001Your amount 0.50% $200,001 and up 2.02% Rate checked
More details - Regional Medical Center EFCUShare AccountSavings · $100 min · 0.45%–0.60% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: A $5.00 deposit establishes membership.
Offer: Dividends posted for quarter ending June 30, 2026; declared prior to the end of each quarter.
0.45% interest rate · Effective Jun 30, 2026
Rate by balance
Rate by balance for Share Account Balance APY $100 – $5,000 0.45% $5,000 – $10,000Your amount 0.50% $10,000 – $25,000 0.55% Over $25,000 0.60% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Offer: 3 Free Withdrawals per Month, $5.00 per Withdrawal After 3
No monthly fee · Effective Jul 1, 2025
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Eligibility: 18+ years old; live, work, worship, or attend school in service regions (counties in TN/KY, or other eligible counties in TN, KY, AL, AR), join affiliated partner, or immediate family member of a Fortera member; must have Share Savings Account. Tiered account; dividend rate applies to entire account balance once minimum daily balance reaches tier. $12 monthly service fee avoided by maintaining minimum balance each day during fee cycle.
Offer: Dividends compounded and credited monthly. Minimum balance must be maintained each day during fee cycle (1st to last day of month) to avoid $12 monthly service fee.
0.50% interest rate · $12 monthly fee · Effective Apr 1, 2026
Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Six withdrawals per month ($1 fee per additional withdrawal). Free E-Statements. $5 fee for each bank personnel assisted withdrawal.
0.45% interest rate · Effective Jan 3, 2024
Rate by balance
Rate by balance for E-Savings Balance APY Up to $20,000Your amount 0.45% $20,000 – $100,000 0.75% $100,000 – $250,000 1.50% $250,000 and up 2.00% 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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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