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 Kentucky
- 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 - Citizens Bank & Trust CompanyTiered Performance Money MarketTiered Performance Money Market · $100 min · 1.26%–3.45% by balance
Bank · 3 branches
2.73%APY$273 a year on $10,000Requirements
Product: Monthly service charge of $10.00 waived with a balance of $2,500.00 or more. Rate adjusts weekly. Transfer and withdrawal limits apply.
Offer: Statement Savings Rate
1.25% interest rate · $10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Tiered Performance Money Market Balance APY Up to $2,500 1.26% $2,500 – $10,000 2.53% $10,000 – $50,000Your amount 2.73% $50,000 – $150,000 3.04% $150,000 – $250,000 3.20% $250,000 and up 3.45% Rate checked
More details - 2.58%APY$258 a year on $10,000with conditions
Requirements
Product: Variable-rate account that moves with the Wall Street Journal Prime Rate. $10 monthly service fee is waived if a $5,000 minimum balance is maintained. Six free withdrawals per statement cycle ($2 fee per withdrawal exceeding 6).
Offer: Reward rate. Requires meeting FirstRewards Checking requirements: same primary account holder on FirstRewards Checking and FirstRate Money Market, 10 settled debit card POS transactions per qualification period (ATM transactions excluded), monthly electronic statements (eStatements), and 1 monthly ACH debit or ACH credit. Rate moves with WSJ Prime Rate (minimum 0.10% APY change per 0.25% change in WSJ Prime). $10 monthly fee waived with $5,000 minimum balance.
Qualified rate · 2.55% interest rate · $10 monthly fee · Effective Sep 17, 2026
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 $10,000Effective Oct 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 - Republic BankPremium Money Market AccountPremium Money Market Account · $5,000 min · 0.75%–2.50% by balance
Bank · 29 branches
2.25%APY$225 a year on $10,000Requirements
Product: Must be opened with funds not currently held on deposit at Republic Bank. To avoid a $10 monthly fee, maintain a $5,000 minimum balance each statement cycle. Interest rate paid on entire balance in account.
0.75% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $5,000 0.75% $5,000 – $100,000Your amount 2.25% $100,000 – $7,500,000 2.50% $7,500,000 and up 0.75% Rate checked
More details - The Health and Education Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 2.00%–2.50% by balance
Credit union · 2 branches
2.25%APY$225 a year on $10,000Requirements
Product: Dividends calculated on average daily balance, paid quarterly. Minimum balance of $2,500 required to earn dividends. Accounts verified by ChexSystems.
1.98% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 2.00% $10,000 – $25,000Your amount 2.25% $25,000 and up 2.50% Rate checked
More details - Morgantown Bank & TrustPerformance Money MarketPerformance Money Market · $5,000 min · 1.15%–3.70% by balance
Bank · 7 branches
2.16%APY$216 a year on $10,000Requirements
Product: Interest is paid on the collected balance, with interest rate varying and subject to change daily. Interest does not accrue on days that the balance drops below $5,000. Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. If under 18 years old, must have an adult co-owner on account.
Offer: Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance.
1.14% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Performance Money Market Balance APY $5,000 – $10,000 1.15% $10,000 – $100,000Your amount 2.16% $100,000 – $250,000 3.19% $250,000 – $500,000 3.70% $500,000 and up 3.70% Rate checked
More details - West Point BankMoney ManagementMoney Management · $1,000 min · 0.00%–2.99% by balance
Bank · 5 branches
2.07%APY$207 a year on $10,000Requirements
Product: $1,000.00 minimum to open. A service charge of $10.00 each month if the balance drops below $1,000.00 any day of the month. Minimum daily balance of $500.00 in the account each month to obtain the disclosed annual percentage yield. The rate may change after the account is opened. Fees may reduce earnings.
0.00% interest rate · $10 monthly fee · Effective May 1, 2026
Rate by balance
Rate by balance for Money Management Balance APY Up to $500 0.00% $500 – $50,000Your amount 2.07% $50,000 – $150,000 2.38% $150,000 and up 2.99% Rate checked
More details - 2.03%APY$203 a year on $10,000
Requirements
Product: Variable rate account; rate may change. Fees may reduce earnings. 30% of Prime.
2.03% interest rate · Effective Jul 1, 2026
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: Requires Fortera Credit Union membership. No monthly fee or minimum balance required to earn interest.
Offer: Tier for balances $0 - $24,999.99. Dividends compounded and credited monthly.
1.99% interest rate · No monthly fee · Effective Apr 1, 2026
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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Summit High Yield or Cash Back Checking required to have a SaverPlus. Limit one SaverPlus per social security number. No monthly maintenance fee.
Offer: Qualifying rate: met qualifications in Summit High Yield or Cash Back Checking during monthly qualification cycle (at least 12 debit card transactions, enrolled in and review eStatements, enrolled in and log into online banking).
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 1, 2025
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 - 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 - 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
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