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 31–45 results in Kentucky
- 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires Kasasa Cash or Kasasa Cash Back checking account to open and link for automatic savings. No monthly maintenance fee.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met (at least 1 direct deposit or ACH payment transaction, at least 12 debit card purchases, enrolled in and agree to receive e-statements during monthly qualification cycle).
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Jul 22, 2024
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Free savings account linked with Kasasa Cash or Kasasa Cash Back checking to receive rewards. No monthly maintenance fee, no minimum balance to maintain. $100 minimum deposit to open. Earns 2.00% APY on balances up to $50,000 when qualifications are met in linked checking. Built-in Wysh Life Insurance benefit discontinued effective September 1, 2026.
Offer: Requires meeting qualifications in linked Kasasa Cash or Kasasa Cash Back checking account.
Qualified rate · Balance cap $50,000 · No monthly fee
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Variable rate account; rate may change. Fees may reduce earnings.
2.00% interest rate · Effective Jul 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Members Heritage CUMoney Market AccountMoney Market Account · $2,500 min · 1.80%–2.50% by balance
Credit union · 5 branches
1.95%APY$195 a year on $10,000Requirements
Product: Dividends calculated on average daily balance and paid monthly. Minimum balance of $2,500 required to earn dividends. Up to 3 free withdrawals per month ($10.00 fee per additional withdrawal). No minimum balance required to keep the account open. All accounts verified by ChexSystems.
1.79% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 1.80% $10,000 – $25,000Your amount 1.95% $25,000 – $50,000 2.10% $50,000 – $100,000 2.25% $100,000 and up 2.50% Rate checked
More details - Commonwealth Credit UnionConsumer Money Market AccountsConsumer Money Market Accounts · $2,500 min · 1.80%–2.50% by balance
Credit union · 18 branches
1.95%APY$195 a year on $10,000Requirements
Product: Tiered rate account; dividend rate for a tier applies to the entire balance if the average daily balance falls within that tier. Minimum opening balance is $2,500. A $10 monthly service fee applies if the average balance falls below $2,500 during the month. Account will not earn dividends if the balance falls below $2,500. Limited to 6 preauthorized, automatic, or telephone transfers/withdrawals per month. Minimum withdrawal amount is $250 ($5 fee for transactions less than $250 or exceeding 6 per month).
1.79% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Consumer Money Market Accounts Balance APY $2,500 – $10,000 1.80% $10,000 – $25,000Your amount 1.95% $25,000 – $50,000 2.10% $50,000 – $100,000 2.25% $100,000 and up 2.50% Rate checked
More details - Kit Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,000 min · 1.90%–3.20% by balance
Credit union · 1 branch
1.90%APY$190 a year on $10,000Requirements
Product: Open with a minimum of $2,000. Dividends are compounded and credited monthly. Rates are variable and subject to change.
1.88% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,000 – $20,000Your amount 1.90% $20,000 – $75,000 2.15% $75,000 – $200,000 2.40% $200,000 and up 3.20% Rate checked
More details - American Bank & TrustPersonal Money MarketPersonal Money Market · $2,500 min · 1.90%–4.00% by balance
Bank · 6 branches
1.90%APY$190 a year on $10,000Requirements
Product: $2,500 daily balance to avoid a monthly service fee of $10.00. Earned interest when daily collected balance is >= $2,500. Limit of 6 debits/withdrawals per month without a charge; $10.00 fee per debit/withdrawal exceeding six.
1.88% interest rate · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $2,500 – $15,000Your amount 1.90% $15,000 – $25,000 2.00% $25,000 – $50,000 2.10% $50,000 – $100,000 2.20% $100,000 – $300,000 3.55% $300,000 – $1,000,000 3.70% $1,000,000 and up 4.00% Rate checked
More details - Expree Credit UnionMoney Market Savings AccountMoney Market Savings Account · $500 min · 1.70%–2.90% by balance
Credit union · 1 branch
1.85%APY$185 a year on $10,000Requirements
Product: Deposit $500 or more. Withdraw up to six times per month. Receive dividend payments every month.
1.69% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $500 – $9,999 1.70% $10,000 – $24,999Your amount 1.85% $25,000 – $99,999 2.10% $100,000 – $299,999 2.40% $300,000 and up 2.90% Rate checked
More details - General Electric Credit UnionThrive Money MarketThrive Money Market · $5,000 min
Credit union · 2 branches
1.80%APY$180 a year on $10,000intro rateRequirements
Product: Introductory offer 4.25% APY for first 90 days with $5,000 new money balance, funded within 30 days. Standard tiers 1.80% APY on balances. Membership eligibility required.
Offer: Tier 3 rate on daily balance $5,000.00 to $24,999.99.
Promotional rate · 1.79% interest rate · Balance cap $24,999.99 · No monthly fee · Effective Jan 9, 2026
Rate checked
More details - Metro Plus Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 2 branches
1.76%APY$176 a year on $10,000Requirements
Product: Six withdrawals allowed per calendar month (three can be checks, other items must be pre-authorized debits, transfers, or cash withdrawals). Compounded monthly.
Offer: As high as 1.76% APY. Tiered rates compound monthly. $2,500 minimum balance required.
Compounded monthly · No monthly fee
Rate checked
More details - Ashland Credit UnionPremium SavingsSavings · $0 min · 0.00%–2.25% by balance
Credit union · 4 branches
1.75%APY$175 a year on $10,000with conditionsRequirements
Product: Accessible at 30,000 ATMs nationwide (checking account required). Variable rates. Dividends compounded daily and paid monthly.
Offer: Tier 1. No dividends paid. Dividends compounded daily and paid monthly. Variable rate.
Qualified rate · 0.00% interest rate · Compounded daily · Effective Oct 4, 2026
Rate by balance
Rate by balance for Premium Savings Balance APY Up to $499 0.00% $500 – $9,999Tier 2. Minimum amount to receive APY is $500. 1.50% $10,000 – $49,999Your amountTier 3. Minimum amount to receive APY is $10,000. 1.75% $50,000 – $99,999Tier 4. Minimum amount to receive APY is $50,000. 2.00% $100,000 and upTier 5. Minimum amount to receive APY is $100,000. 2.25% Rate checked
More details - L&N Federal Credit UnionRegular Money MarketRegular Money Market · $0 min · 1.75%–3.25% by balance
Credit union · 22 branches
1.75%APY$175 a year on $10,000Requirements
Product: Regular Money Market has no minimum opening balance requirement. No monthly maintenance fees. Dividends are earned daily and posted monthly. Up to 6 withdrawals or transfers per month. Rates can change weekly.
Offer: Dividends are earned daily and posted monthly.
No monthly fee
Rate by balance
Rate by balance for Regular Money Market Balance APY Up to $5,000 1.75% $5,000 – $15,000Your amount 1.75% $15,000 – $25,000 1.75% $25,000 – $50,000 2.25% $50,000 – $100,000 2.75% $100,000 and up 3.25% Rate checked
More details - Community Trust BankPreferred Index Money MarketPreferred Index Money Market · $2,500 min · 0.00%–3.48% by balance
Bank · 69 branches
1.69%APY$169 a year on $10,000Requirements
Product: Available in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. Requires $2,500 minimum to open account and earn interest. $10 monthly maintenance fee waived with $2,500 daily ledger balance. Rates tied to the 13-Week Treasury Bill Coupon Equivalent Rate minus specified margin by tier.
Offer: Tier 1 balance tier. $10 monthly maintenance fee waived with $2,500 daily ledger balance. $2,500 minimum required to open account and earn interest.
0.00% interest rate · $10 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Preferred Index Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amountTier 2 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 2.50% margin. 1.69% $25,000 – $50,000Tier 3 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.50% margin. 2.71% $50,000 – $100,000Tier 4 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.25% margin. 2.97% $100,000 – $250,000Tier 5 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.00% margin. 3.23% $250,000 and upTier 6 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 0.75% margin. 3.48% 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