Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 of 141 results in Kentucky
- 5.12%APY$512 a year on $10,000
Requirements
Product: Open and maintain Share Account with a $50 minimum balance at all times ($50 opening balance). A $20 minimum deposit is required per month. When the balance reaches $550, the account is converted / $500 of funds transferred to a 3-month CD. Penalties for early withdrawal.
Offer: $20 monthly deposit required. Once balance reaches $550, converted/transferred to a 3-month CD.
5.00% interest rate · Effective Jul 1, 2026
Rate checked
More details - UK Credit UnionHigh Yield Savings AccountSavings · $1,000 min · 0.50%–5.00% by balance
Credit union · 9 branches
5.00%APY$500 a year on $10,000intro rateRequirements
Product: Membership eligibility required. Limit of one HYSA per primary member's Social Security Number. Blended-rate account where each portion of balance earns the APY applicable to its tier.
Offer: WELCOMENKY promotional introductory rate of 5.00% APY on Tier 1 balances for the first 6 months following account opening, then reverts to standard Tier 1 APY (4.00% APY). Available to primary account holders residing in eligible ZIP codes who open with promo code WELCOMENKY between June 30, 2026 and December 31, 2026.
Promotional rate
Rate by part of balance
Rate by balance for High Yield Savings Account Balance APY Up to $25,000 5.00% $25,000 – $50,000Tier 2 rate. Blended-rate account (resulting APY range: 2.25% to 3.99%). 0.50% $50,000 – $100,000Tier 3 rate. Blended-rate account (resulting APY range: 1.50% to 2.24%). 0.75% $100,000 – $250,000Tier 4 rate. Blended-rate account (resulting APY range: 1.20% to 1.49%). 1.00% Over $250,000Tier 5 rate. Blended-rate account (resulting APY range: Up to 1.49%). 1.50% Each rate is paid on the part of the balance in its range.
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More details - General Electric Credit UnionThrive Money MarketThrive Money Market · $0 min · 1.80%–4.25% by balance
Credit union · 2 branches
4.25%APY$425 a year on $10,000intro rateRequirements
Product: Membership eligibility required. No minimum balance requirement to open account; minimum $0.01 to earn dividends. Funding must be received within 30 calendar days of account opening. No monthly maintenance fees. Compounded monthly.
Offer: Standard non-promotional rate schedule. Tier 1 daily balance up to $99.99. Balance greater than $0 required to earn dividends.
Promotional rate · 1.79% interest rate · Compounded monthly · No monthly fee · Effective Jan 9, 2026
Rate by balance
Rate by balance for Thrive Money Market Balance APY Up to $100 1.80% $100 – $5,000 1.80% $5,000 and upYour amountLimited-time introductory promotional rate for first 90 days. Dividend payments may reflect a blended APY below 4.25% if earning a lower rate for a portion of the statement period. Accurate as of 10.6.2026 (or 8.6.2026 on p17). 4.25% $25,000 – $250,000 1.80% $250,000 and up 1.80% Rate checked
More details - Abound Credit UnionHigh-Yield Savings AccountSavings · $0 min · 1.15%–4.25% by balance
Credit union · 17 branches
4.25%APY$425 a year on $10,000Requirements
Product: Limit of one High Yield Savings Account per primary member's Social Security Number. Available to both business and consumer members. Subject to $10 membership fee if not already a member. A blended APY is calculated based on balances in each earning tier.
Offer: Rate applies to up to the first $25,000 deposited. Dividends compounded monthly.
4.17% interest rate · Compounded monthly · Effective Sep 2, 2026
Rate by part of balance
Rate by balance for High-Yield Savings Account Balance APY Up to $25,000 4.25% $25,000 – $100,000blended APY range is 2.26%-4.25%. 1.60% Over $100,000blended APY range is 1.15%-2.26%. 1.15% Each rate is paid on the part of the balance in its range.
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More details - 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Membership eligibility required. Limit of one HYSA per primary member's Social Security Number. Blended-rate account where each portion of balance earns the APY applicable to its tier.
Offer: Tier 1 rate. Blended-rate account.
Promotional rate · 3.93% interest rate · Balance cap $25,000 · No monthly fee · Effective Jan 9, 2025
Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 2 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 30, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must link to Kasasa Cash or Kasasa Cash Back checking account. Qualification requirements during each Monthly Qualification Cycle: at least 12 debit card purchases, enroll in and log into online banking, and enroll in and agree to receive e-statements.
Offer: Qualifying rate when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account.
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Available only to holders of a High Yield Checking or Cash Back Checking account. Limit one account per social security number. Dividends earned in High Yield Checking automatically transfer to High Yield Savings each statement cycle and do not compound. No account limitations apply. Requires purchasing and maintaining at least 1 share ($10.00 par value) for membership.
Offer: Earn 3.00% APY on balances up to $100,000 when meeting qualifications for High Yield Checking or Cash Back Checking.
Qualified rate · Balance cap $100,000 · No monthly fee
Rate checked
More details - Brown Forman Employees Credit UnionMoney MarketMoney Market · $2,500 min · 2.25%–3.25% by balance
Credit union · 1 branch
2.50%APY$250 a year on $10,000Requirements
Product: Features include higher rates as balance grows, convenient day-to-day access, no limits on withdrawal amount, and up to six withdrawals or transfers per month.
Effective Nov 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 2.25% $10,000 – $25,000Your amount 2.50% $25,000 – $50,000 2.75% $50,000 – $100,000 3.00% $100,000 and up 3.25% Rate checked
More details - Desco Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.51%–2.89% by balance
Credit union · 2 branches
2.28%APY$228 a year on $10,000with conditionsRequirements
Product: Active checking account required to earn rates below. If the conditions of a Money Market Account are not met, interest will be earned at the disclosed rate for a Regular Savings.
Qualified rate · 1.50% interest rate · $7 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 1.51% $10,000 – $500,000Your amount 2.28% $500,000 – $1,000,000 2.58% $1,000,000 and up 2.89% Rate checked
More details - Members Choice Credit UnionMyChoice Wealth Premium SavingsSavings · 0.25%–2.00% by balance
Credit union · 5 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Must meet qualifications in corresponding MyChoice Advantage or Plus Account to earn 2.00% APY on balances up to $100,000 and 0.25% APY over $100,000. If qualifications not met, earns 0.01% APY. Refunds on ATM withdrawal fees up to $4.99 per transaction, $25 per month when qualified. No monthly service fee.
Offer: When meeting qualifications in corresponding MyChoice Advantage or Plus Account.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for MyChoice Wealth Premium Savings Balance APY Up to $100,000Your amount 2.00% Over $100,000 0.25% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Linked to Summit High Yield Checking or Cash Back Checking. Limit one per SSN. No monthly maintenance fee.
Offer: Qualifying: at least 12 debit transactions, review eStatements, use online banking each qualification cycle.
Qualified rate · 1.98% interest rate · No monthly fee
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
1.98% interest rate
Rate by balance
Rate by balance for Super Share Balance APY Up to $50,000Your amount 2.00% $50,000 – $99,999 2.25% $100,000 – $499,999 2.50% $500,000 – $999,999 2.75% $1,000,000 and up 3.00% Rate checked
More details - Fortera Credit UnionHigh-Yield SavingsSavings · $25 min · 2.00%–3.50% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000Requirements
Product: Must be a Fortera Credit Union member. Monthly fee is $0; minimum opening deposit is $25. Dividends compounded and credited monthly. Rate applies to the entire account balance once the balance reaches the tier range.
Offer: Rate applies to entire balance once tier minimum is reached. Dividends compounded and credited monthly.
1.99% interest rate · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 2.00% $25,000 – $50,000 2.25% $50,000 – $100,000 2.50% $100,000 – $250,000 3.00% $250,000 and up 3.50% Rate checked
More details - Kemba Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 2.00%–3.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: No minimum deposit to open. No monthly service fee. 6 free transactions per month. Dividends calculated by the daily balance method.
1.98% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $24,999Your amount 2.00% $25,000 – $74,999 2.25% $75,000 – $149,999 2.50% $150,000 – $249,999 2.75% $250,000 and up 3.00% 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
141 accounts at 57 banks and credit unions · checked Nov 6–13
- Typical
- 0.25%
- Top 10% from
- 2.00%
- 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
- Abound Credit UnionCredit union · 17 branches
- UK Credit UnionCredit union · 9 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch