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 Madisonville, KY metro
- 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 - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
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 - Regional Medical Center EFCUShare AccountSavings · $100 min · 0.45%–0.60% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: A $5.00 deposit establishes membership.
Offer: Dividends posted for quarter ending June 30, 2026; declared prior to the end of each quarter.
0.45% interest rate · Effective Jun 30, 2026
Rate by balance
Rate by balance for Share Account Balance APY $100 – $5,000 0.45% $5,000 – $10,000Your amount 0.50% $10,000 – $25,000 0.55% Over $25,000 0.60% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - C-Plant Federal Credit UnionSuper Shares AccountSavings · $1,000 min · 0.25%–0.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Tiered rate savings account. If balance falls below $1,000, the remaining balance is transferred to the regular/Membership Savings rate. Six withdrawals or transfers to another institution or third party allowed per cycle.
Offer: If balance falls below $1,000, remaining balance earns Membership Savings rate.
No monthly fee · Effective Jan 20, 2026
Rate by balance
Rate by balance for Super Shares Account Balance APY $1,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $75,000 0.35% $75,000 – $100,000 0.50% $100,000 – $250,000 0.50% $250,000 and up 0.50% Rate checked
More details - C-Plant Federal Credit UnionSuper Shares AccountSuper Shares Account · $1,000 min · 0.25%–0.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: If balance falls below $1,000, the remaining balance earns the regular/Membership Savings rate. Up to six third-party withdrawals/transfers per month.
Offer: If balance falls below $1,000, the remaining balance is transferred to Membership Savings rate
No monthly fee · Effective Jan 20, 2026
Rate by balance
Rate by balance for Super Shares Account Balance APY $1,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $75,000 0.35% $75,000 – $100,000 0.50% $100,000 – $250,000 0.50% $250,000 and up 0.50% Rate checked
More details - C-Plant Federal Credit UnionKasasa SaverSavings · $0 min · 0.25%–0.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Qualifications to earn top rate: at least 12 debit card purchases post and settle, enroll in and agree to receive e-statements, and enroll/log into online banking per monthly qualification cycle. Limit 1 account per SSN.
Offer: When qualification criteria are met in linked checking account during monthly qualification cycle.
Qualified rate · 0.50% interest rate · No monthly fee · Effective Jan 20, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $10,000 0.50% $10,000 and upYour amountWhen qualification criteria are met; 0.25% Rate checked
More details - Owensboro Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.10%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Rates subject to change monthly. Three withdrawals per month; $5.00 fee for each excessive share withdrawal.
Offer: Tier 1. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal.
0.10% interest rate · Effective Sep 1, 2020
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $5,000 0.10% $5,000 – $10,000Tier 2. 0.10% $10,000 – $15,000Your amountTier 3. 0.25% $15,000 and upTier 4. 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Establishes membership with C-Plant Federal Credit Union. Inactive savings accounts will be closed 30 days after dropping below par value of $5. Maintain a $5 minimum balance to avoid a $5 inactive account fee.
Offer: Dividends paid quarterly on balances of $5 or more. Maintain $5 minimum balance to avoid $5 inactive account fee.
0.10% interest rate · Effective Jan 20, 2026
Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000intro rate
Requirements
Product: Personal accounts and personal trusts only. Available at Old National banking centers or online (online opening available in IA, IL, IN, KY, MI, MN, ND, TN, WI; personal trusts in-person only). Combined balance of all Old National accounts cannot exceed $3,000,000. $25 fee if closed within 180 days.
Offer: Standard/lower tier rate for daily collected balances of $19,999.99 or less. Monthly fee of $20 waived with $5,000 minimum daily balance.
Promotional rate · 0.05% interest rate · $20 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Market Monitor Balance APY Up to $20,000Your amount 0.05% $20,000 and upPromotional rate guaranteed through December 31, 2026 for new accounts opened between September 1, 2026 and December 1, 2026 funded with minimum $20,000 in new money not on deposit as of August 31, 2026 within 15 calendar days of opening. 3.85% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: All members must have a regular share savings account and maintain a minimum balance of $5.00. Rates subject to change monthly. No penalty.
Offer: Rates subject to change monthly. No penalty. Maintain a minimum balance of $5.00.
0.05% interest rate · Effective Sep 1, 2020
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 Madisonville, KY metro
17 accounts at 6 banks and credit unions · checked Sep 17–Oct 22
- Typical
- 0.25%
- Top 10% from
- 1.40%
- Banks, typical
- 0.25%
- 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