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 16–30 results in Lexington, KY metro
- Central BankCentral Money Market AccountCentral Money Market Account · $2,500 min · 1.25%–2.75% by balance
Bank · 18 branches
1.50%APY$150 a year on $10,000Requirements
Product: Monthly maintenance fee is waived if a minimum daily balance of $2,500 is maintained; otherwise $10. Up to 6 withdrawals/transfers per monthly statement cycle without incurring excessive withdrawal fee ($10 per excessive transfer/withdrawal). Online opening deposit maximum is $10,000. Interest is compounded daily and credited monthly on collected balances. Rates are variable and tiered. Interest accrues on the entire collected balance at the rate for that balance tier.
1.24% interest rate · Compounded daily · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Central Money Market Account Balance APY Up to $10,000 1.25% $10,000 – $50,000Your amount 1.50% $50,000 – $100,000 1.75% $100,000 – $250,000 2.50% $250,000 and up 2.75% Rate checked
More details - Central BankPersonal Money Market PlusPersonal Money Market Plus · $0 min · 1.50%–3.50% by balance
Bank · 18 branches
1.50%APY$150 a year on $10,000Requirements
Product: Interest on Money Market accounts accrues on the entire collected balance at the rate for that balance tier. Variable rate may change after opening. Daily compounding of interest for 365 days.
1.49% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Money Market Plus Balance APY Up to $500,000Your amount 1.50% $500,000 and up 3.50% Rate checked
More details - Farmers BankPremium Money Market AccountPremium Money Market Account · $2,500 min · 1.00%–1.15% by balance
Bank · 4 branches
1.15%APY$115 a year on $10,000Requirements
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. Tiered rate structure.
Offer: Daily Balance <$10,000. Variable rate; rates may change after account opening. Fees could reduce earnings. Daily compounding.
1.00% interest rate · $10 monthly fee · Effective Sep 11, 2026
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $10,000 1.00% $10,000 and upYour amountMinimum daily balance to obtain APY is based on tiered rate structure. 1.15% Rate checked
More details - 1.15%APY$115 a year on $10,000
Requirements
Product: Interest compounded daily, credited quarterly. Free withdrawals/transfers up to 6 per quarterly statement cycle. $3.00 quarterly fee if daily balance falls below $250.00 (waived for minor accounts).
Offer: Minimum daily balance of $250.00 to obtain APY. Daily compounding frequency. Variable rate. $3.00 fee if daily balance falls below $250 during quarterly cycle (waived for minors).
1.14% interest rate · Compounded daily · Effective Sep 11, 2026
Rate checked
More details - 1.01%APY$101 a year on $10,000with conditions
Requirements
Product: Must have an active Kasasa Cash, Kasasa Play, or Kasasa Cash Back checking account. Requires enrollment in online banking and electronic statements. Limit 1 account per social security number.
Offer: Earned on balances up to $10,000 when qualifying transactions/activities post and settle to linked Kasasa checking during Monthly Qualification Cycle: at least 12 debit card purchases and at least 1 direct deposit or ACH transaction.
Qualified rate · No monthly fee · Effective Sep 22, 2022
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: FDIC insured; Central NET online statements and Central MOBILE with mobile deposit included. Overdraft protection feature available. Maximum opening deposit for online accounts is $10,000. $2 monthly fee waived with a minimum daily balance of $200. $5 fee per excessive transfer/withdrawal over 6 per monthly statement cycle.
Offer: Variable interest, compounded daily and paid monthly on collected balances. The rate may change after the account is opened. Monthly maintenance fee of $2 waived if minimum daily balance of $200 is maintained.
1.00% interest rate · Compounded daily · $2 monthly fee
Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 4 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 - 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 · 1 branch
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 - UK Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–1.25% by balance
Credit union · 9 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 - 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 - 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 - 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 - 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
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 Lexington, KY metro
85 accounts at 30 banks and credit unions · checked Oct 15–22
- Typical
- 0.15%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.20%
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Lexington, KY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 6 branches
- Members Heritage CUCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch