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 results in Louisville/Jefferson County, KY-IN metro
- 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 - Beacon Community Credit UnionMoney Market CheckingMoney Market Checking · $2,500 min · 0.50%–4.00% by balance
Credit union · 3 branches
4.00%APY$400 a year on $10,000Requirements
Product: Minimum $2,500 deposit to open. Tiered dividends based on balance. Maximum 3 share drafts / checks per month drawn on MM and maximum 3 withdrawals or transfers per month.
Offer: Avg Balance up to $10K
3.93% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $10,000Your amount 4.00% $10,000 – $25,000 0.50% $25,000 – $50,000 0.80% Over $50,000Over $50,000 1.00% Rate checked
More details - Republic BankPromotional Premium Money Market AccountPromotional Premium Money Market Account · $5,000 min · 0.65%–3.75% by balance
Bank · 22 branches
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: Requires applicant to be a Tennessee resident and not have a Republic Bank personal Money Market account at opening. Must open or maintain a primary Republic personal checking account and conduct 5 or more qualifying transactions (Direct deposit ACH credit, Bill Pay, POS Debit, ACH Debit) within any one of the first 3 statement cycles following opening; otherwise rate reverts to standard chart. Must be opened with at least $5,000 in funds not currently held on deposit at Republic Bank. A $10 fee applies if balance falls below $5,000 during statement cycle. Interest rate paid on entire balance.
Qualified rate · 0.65% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Promotional Premium Money Market Account Balance APY Up to $5,000 0.65% $5,000 – $100,000Your amountPromotional rate requires qualifying checking account and transaction criteria. 3.75% $100,000 – $7,500,000Promotional rate requires qualifying checking account and transaction criteria. 3.75% Over $7,500,000 0.65% Rate checked
More details - Cumberland Valley National BankJefferson Premium Money Market AccountJefferson Premium Money Market Account · $2,500 min · 3.09%–3.61% by balance
Bank · 1 branch
3.09%APY$309 a year on $10,000intro rateRequirements
Product: Exclusive offer to Louisville MSA residents. Valid for new money only (funds not currently on deposit with CVNB). Available to individuals and businesses (institutional industries such as banks and brokerages are not eligible). Minimum deposit of $2,500 to open. $15 service fee charged if balance falls below $2,500 at any time during the statement cycle.
Offer: Rate guaranteed through July 30, 2026; variable and may change after 7/31/26. $15 monthly service fee if balance falls below $2,500 at any time during the statement cycle. Valid for new money only. Must reside within the Louisville MSA.
Promotional rate · 3.05% interest rate · $15 monthly fee · Effective Sep 16, 2026
Rate by balance
Rate by balance for Jefferson Premium Money Market Account Balance APY Up to $250,000Your amount 3.09% $250,000 and up 3.61% 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: Requires direct deposits totaling at least $2,000 going into an Everwise consumer checking account (excluding HSAs) under the same membership during the prior dividend period. Dividends are paid automatically for the first 2 dividend periods from account opening; after that, non-qualifying periods earn 0.00%.
Offer: No minimum balance required. Direct deposits totaling $2,000+ monthly to an Everwise checking account required to earn dividends after initial 2 periods.
Qualified rate · 2.96% interest rate · 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 $10,000Effective 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 - Republic BankPremium Money Market AccountPremium Money Market Account · $5,000 min · 0.75%–2.50% by balance
Bank · 22 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 - 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 - Commonwealth Credit UnionConsumer Money Market AccountsConsumer Money Market Accounts · $2,500 min · 1.80%–2.50% by balance
Credit union · 4 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 - L&N Federal Credit UnionRegular Money MarketRegular Money Market · $0 min · 1.75%–3.25% by balance
Credit union · 17 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 - Central BankCentral Money Market AccountCentral Money Market Account · $2,500 min · 1.25%–2.75% by balance
Bank · 4 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 · 4 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
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 Louisville/Jefferson County, KY-IN metro
112 accounts at 44 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 1.89%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.25%
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Louisville/Jefferson County, KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Commonwealth Credit UnionCredit union · 4 branches
- Brown Forman Employees Credit UnionCredit union · 1 branch
- Indiana Members Credit UnionCredit union · 2 branches