Kentucky CD Rates Today - Compare Best APYs for July 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Kentucky CD rates include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY417 High St, Frankfort, KY 40601A+5.0 ★Texas Ratio: 2.47%Real return: +2.20%APY minus CPI (February 2026) offering Grow with Me 12-Month Certificate at 5.00% APY, General Electric Credit UnionGeneral Electric Credit Union124 Marshall Ln, Highland Heights, KY 41076 1440A5.0 ★Texas Ratio: 6.82%Real return: +2.19%APY minus CPI (February 2026) offering 6-month intro Certificate at 4.99% APY, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit Union820 W Broadway, Louisville, KY 40202A+5.0 ★Texas Ratio: 1.42%Real return: +1.53%APY minus CPI (February 2026) offering 6 Month Certificate at 4.33% APY, Lincoln Bank of HodgenvilleLincoln Bank of Hodgenville41 Lincoln Sq, Hodgenville, KY 42748A+5.0 ★Texas Ratio: 1.12%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Certificate of Deposit at 4.20% APY, and CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY 40219 1917A+5.0 ★Texas Ratio: 4.37%Real return: +1.35%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.15% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Kentucky side-by-side. Kentucky CD rates currently reach as high as 5.00% APY from Commonwealth Credit Union Frankfort, KY at 417 High St, Frankfort, KY 40601. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in Kentucky
Kentucky 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
91 Day (3 Month) Certificate of Deposit
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
5935 Merchants St, Florence, KY 41042 1198
3 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
3-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
3-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate 3-Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
90 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
820 W Broadway, Louisville, KY 40202
3 Month Certificate
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
7215 Riverport Plaza Dr, Louisville, KY 40258
90 Day Certificate
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Subject to Change: Weekly
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Account 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Accounts
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Month Jumbo Certificate
$100,000
1.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1315 CANNONSBURG RD, ASHLAND, KY 41102
3 Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Not Available for IRAs
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
90 Day
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
3 months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Month Certificate
$500
0.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
3 Month
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Compound Frequency: At Maturity; Early Withdrawal Penalty: 1 Month
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
2557 Sir Barton Way, Lexington, KY 40509
3 Months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
3 Month CD
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
3 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available. There is a penalty for early withdrawal.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business Share Certificates 3 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Kentucky 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
6-month intro Certificate
$0
4.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Introductory offer
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
820 W Broadway, Louisville, KY 40202
6 Month Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
2175 Bypass Rd, Brandenburg, KY 40108
6-month Certificate of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 6 month
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Account 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Accounts
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
7079 State Route 56 E, Sebree, KY 42455
6-Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Special CD. APY*
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
6 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
New money only, not funds currently on deposit with Commonwealth Credit Union
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
6-month Jumbo Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1 Quality St, Lexington, KY 40507 1428
6 Month
$0
4.00%
▼
Rate3.96%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
6 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
5935 Merchants St, Florence, KY 41042 1198
6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
6-Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate 6-Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
6 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
6-month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Limited-Time Offer; New money deposits only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 10/29/25 and is subject to change on the Bank's discretion.
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
6 Month Share Certificate
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
6-Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
100 Moore Dr, Frankfort, KY 40601 8295
6-Months
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate 6 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 23, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
6 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Business 6 Month
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
6 Month
$1,000
3.25%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Compound Frequency: At Maturity; Early Withdrawal Penalty: 3 Month
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
6 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
6 Month Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
6 month CD
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
6 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
7215 Riverport Plaza Dr, Louisville, KY 40258
6 month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Subject to Change: Weekly
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1315 CANNONSBURG RD, ASHLAND, KY 41102
6 Month
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Not Available for IRAs
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
6 month IRA Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 6-Month Term
$500
2.75%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1609 Campbell Ln, Bowling Green, KY 42104
Add-On Certificate (6 month)
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
6 Month
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
6 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
6 Month Fixed Rate Jumbo IRA
$100,000
1.51%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
6 Month Jumbo Certificate
$100,000
1.51%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
2557 Sir Barton Way, Lexington, KY 40509
6 Months
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
6 Month Certificate
$500
0.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
6 Month Fixed IRA
$500
0.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
DreamBuilder 6 Month Certificate
$100
0.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Share Certificates Jumbo Certificate 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Share Certificates 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Share Certificates 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Jumbo Certificate 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Share Certificates Jumbo Certificate 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Education IRA 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Jumbo Certificate 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Jumbo Certificate 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Education IRA Share Certificates Jumbo Certificate 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Kentucky 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
Grow with Me 12-Month Certificate
$0
5.00%
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
This account is available only for members under 18 years of age.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 12 Month
$1,000
4.15%
▼
Rate4.08%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
761 Corporate Dr, Lexington, KY 40503
12-month certificate of deposit special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
12-month Jumbo Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Account 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Accounts
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
4885 Houston Rd, Florence, KY 41042 4894
12-Month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
High-Yield Certificates of Deposit
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
4885 Houston Rd, Florence, KY 41042 4894
IRA CD 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First State Bank Irvington, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
240 N 1st St, Irvington, KY 40146
12-month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
221 W 5th St, Benton, KY 42025
12-MONTH IRA (VARIABLE)
$0
3.83%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2500 Lone Oak Rd, Paducah, KY 42003 8004
12 Month Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2500 Lone Oak Rd, Paducah, KY 42003 8004
12 Month IRA Certificate
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
1-Year Jumbo Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Jumbo Certificate 1-Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
12 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
1 Year CD
$0
3.73%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
A penalty will be imposed for early withdrawal. Rates subject to change without notice.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
1-Year Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate 1-Year
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
5935 Merchants St, Florence, KY 41042 1198
12 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
100 Moore Dr, Frankfort, KY 40601 8295
12-Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
12 Month CD Monthly
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid monthly
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate 12 months
$2,500
3.56%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 23, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
12 Month CD Quarterly
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid quarterly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
12 Month CD Semi-Annually
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid semi-annually
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
12 Month CD
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
12 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
12 Month Share Certificate
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
12-Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
12-Month Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
13 Month (1 Year, 1 Month) Certificate of Deposit
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Business 12 Month
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 12 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50%
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
12 months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
12 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
12 Month Fixed
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
12 Month
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
12 Month Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
12 Month CD
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 12 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 12 Month Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
12 months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
7215 Riverport Plaza Dr, Louisville, KY 40258
12 month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Subject to Change: Weekly
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
12 Month
$1,000
3.00%
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 3 Months
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1315 CANNONSBURG RD, ASHLAND, KY 41102
12 Month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
12 Month TDOA CD
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
1 Year
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
12 Month Certificate of Deposit
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
820 W Broadway, Louisville, KY 40202
1-Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
12 Month IRA (Fixed Rate)
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kentucky 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
18 Month Certificate of Deposit
$500
4.20%
▼
Rate4.14%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
18 Month IRA Certificate of Deposit
$500
4.20%
▼
Rate4.14%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
18 Month IRA Variable Certificate of Deposit
$500
4.20%
▼
Rate4.14%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
18-Month Variable
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
18 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
18 Month IRA (Variable Rate)
$0
3.83%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Variable Rate
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
100 Moore Dr, Frankfort, KY 40601 8295
18-Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
5935 Merchants St, Florence, KY 41042 1198
18 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate 18 months
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 18 Month
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Account 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Accounts
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
18 Month CD
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
18-Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate 18-Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
18 Month CD Monthly
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid monthly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
18 Month CD Quarterly
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid quarterly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
18 Month CD Semi-Annually
$500
3.28%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid semi-annually
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Business 18 Month
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Share Certificates Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Share Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Share Certificates Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Share Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business Share Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
18 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
18 Month Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 18 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 18 Month Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
18 Month Share Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 18-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
18 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
7215 Riverport Plaza Dr, Louisville, KY 40258
18 month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Subject to Change: Weekly
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
18 Month Fixed
$0
2.90%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1315 CANNONSBURG RD, ASHLAND, KY 41102
18 Month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
18 Month
$500
2.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
18 Month CD
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
18 Month Fixed IRA Certificate
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
18 Month Variable IRA Certificate
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
2557 Sir Barton Way, Lexington, KY 40509
18 Months
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
18 Month Certificate of Deposit
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
18 Month IRA (Fixed Rate)
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
18 Month
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
18 Month Variable
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
18 months
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Kentucky 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month IRA Certificate
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
5935 Merchants St, Florence, KY 41042 1198
24 Months
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
24 months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 24 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate 24 months
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
2-Year Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
2-Year Jumbo Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate 2-Year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Jumbo Certificate 2-Year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
24-Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
24-Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
2 Year CD
$0
3.38%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
A penalty will be imposed for early withdrawal. Rates subject to change without notice.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
24 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Business 24 Month
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 24 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
100 Moore Dr, Frankfort, KY 40601 8295
24-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
24 Month Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 24 Month Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
4885 Houston Rd, Florence, KY 41042 4894
IRA CD 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
24 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Account 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Accounts
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 24 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
24 Month Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
24 Month IRA Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
24 Month Share Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1315 CANNONSBURG RD, ASHLAND, KY 41102
24 Month
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
24 Month CD Monthly
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid monthly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
24 Month CD Quarterly
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid quarterly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
24 Month CD Semi-Annually
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid semi-annually
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
24 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 24-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
24 months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
24 Month CD
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
2 Year
$500
2.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
820 W Broadway, Louisville, KY 40202
2-Year Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Share Certificates Jumbo Certificate 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Jumbo Certificate 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Jumbo Certificate 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Share Certificates 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Traditional IRA Share Certificates Jumbo Certificate 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
9711 Linn Station Rd, Louisville, KY 40223 3804
24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA Share Certificates 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
24 Month Fixed
$0
2.75%
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
ROTH IRA 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Jumbo Certificate 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Education IRA Share Certificates Jumbo Certificate 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Kentucky 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
36-Month Variable
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
36 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
5935 Merchants St, Florence, KY 41042 1198
36 Months
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 36 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate 36 months
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
36 Month Certificate of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
36 Month IRA Certificate of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Business 36 Month
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
100 Moore Dr, Frankfort, KY 40601 8295
36-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 36 Month
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Account 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Accounts
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
36 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 36 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
36 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
36 Month Share Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1315 CANNONSBURG RD, ASHLAND, KY 41102
36 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
3-Year Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate 3-Year
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
36 Month CD Monthly
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid monthly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
36 Month CD Quarterly
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid quarterly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
36 Month CD Semi-Annually
$500
3.12%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid semi-annually
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
36 Month CD
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.300%, Jumbo APY: 3.35%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
820 W Broadway, Louisville, KY 40202
3-Year Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
3 Year
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
4885 Houston Rd, Florence, KY 41042 4894
IRA CD 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
36 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 36-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
36 Month CD
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
7215 Riverport Plaza Dr, Louisville, KY 40258
36 month Certificate
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Subject to Change: Weekly
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1 Quality St, Lexington, KY 40507 1428
3 Years
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
**
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
36 Month
$1,000
2.25%
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Fixed Rate Jumbo IRA
$100,000
2.25%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Jumbo Certificate
$100,000
2.25%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
2557 Sir Barton Way, Lexington, KY 40509
3 Years
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Jumbo Bump Certificate
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
36 months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Bump Jumbo IRA
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
3 Year CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Bump Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Bump IRA
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Fixed IRA
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
36 months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Kentucky 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
48 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
5935 Merchants St, Florence, KY 41042 1198
48 Months
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 48 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate 48 months
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Account 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Accounts
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
48-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 48 Month
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
48 Month Certificate
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
100 Moore Dr, Frankfort, KY 40601 8295
48-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Business 48 Month
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 48 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
820 W Broadway, Louisville, KY 40202
4-Year Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1315 CANNONSBURG RD, ASHLAND, KY 41102
48 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
4 Year
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
48 Month CD Monthly
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid monthly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
48 Month CD Quarterly
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid quarterly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
48 Month CD Semi-Annually
$500
3.23%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid semi-annually
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
48 Month CD
$500
3.20%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 48 Month Certificate
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
48 Month Certificate
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
48 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.300%, Jumbo APY: 3.35%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
7215 Riverport Plaza Dr, Louisville, KY 40258
48 month Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Subject to Change: Weekly
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
48 month IRA Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 48 Month Term
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
2557 Sir Barton Way, Lexington, KY 40509
4 Years
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
48 months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Fixed Rate Jumbo IRA
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Jumbo Certificate
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
48 Month CD
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Fixed IRA
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
4 Year CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
48 Month
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
48 Month Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
48 Month IRA Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
48 months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
221 W 5th St, Benton, KY 42025
48 MONTH
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
48 Month Certificate of Deposit
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
IRA - 48 Month Certificate of Deposit
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
48 Month (4 Year) Certificate of Deposit
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
48 Month Certificate of Deposit
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kentucky 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
60 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
5935 Merchants St, Florence, KY 41042 1198
60 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 60 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Rate
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1211 Carter Ave, Ashland, KY 41101 7514
IRA Share Certificate 60 months
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Account 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Accounts
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
60-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Motor Manufacturing, Hebron, KY 41048
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
100 Moore Dr, Frankfort, KY 40601 8295
60-Months
$0
3.50%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
60 Month Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificates 60 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70%
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Business 60 Month
$2,500
3.45%
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Dividends compounded & paid monthly. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1315 CANNONSBURG RD, ASHLAND, KY 41102
60 Month
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
1207 Ashley Cir, Bowling Green, KY 42104 3383
5 Year
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
60 Month CD Monthly
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid monthly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
60 Month CD Quarterly
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid quarterly
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
60 Month CD Semi-Annually
$500
3.33%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Interest paid semi-annually
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
60 Month CD
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
60 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jumbo Dividend Rate: 3.400%, Jumbo APY: 3.45%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
60 Month Certificate
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 60 Month Certificate
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
4885 Houston Rd, Florence, KY 41042 4894
IRA CD 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
60 Month Individual Retirement Account (IRA)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
5-Year Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Certificate 5-Year
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
7215 Riverport Plaza Dr, Louisville, KY 40258
60 month Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Subject to Change: Weekly
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1 Quality St, Lexington, KY 40507 1428
5 Years
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
**
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
2557 Sir Barton Way, Lexington, KY 40509
5 Years
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
60 month IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 60-Month Term
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
60 Month Fixed
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
107 S Main St, Somerset, KY 42501
60 months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
5 Year Jumbo Certificate
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 20, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
60 Month
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedJul 14, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
60 Month Certificate of Deposit
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
60 Month IRA Certificate of Deposit
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
5 Year CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
5 Year Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
113 Main St, Salt Lick, KY 40371
60 Month Certificate of Deposit
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
APY based on interest compounding quarterly.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
60 months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
221 W 5th St, Benton, KY 42025
60 MONTH
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
60 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
IRA - 60 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
60 Month (5 Year) Certificate of Deposit
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Kentucky CD Rate Trends
Compare local Kentucky CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — KY Avg
2.247%
▲ 0.033 vs 7 days ago
Kentucky 12-month CD rates rose 0.033 points over the past 7 days to 2.247% APY.
6-Month CD — KY Avg
1.879%
▲ 0.006 vs 7 days ago
Kentucky 6-month CD rates rose 0.006 points over the past 7 days to 1.879% APY.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
KY CD Rate Forecast — Next 12 Months
Where are Kentucky CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KY 12-Month Avg APY
2.247%
6-Month Forecast
2.247%
Range: 2.05% – 2.40%
12-Month Forecast
1.997%
Range: 1.80% – 2.15%
Powered by
MonitorBankRates
What Your Savings Earn at KY CD Rates Today
Annual interest earnings at today’s Kentucky average APYs. State average used where available; national average as fallback.
| CD Term | KY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.114% | $55.69 | $111.38 | $278.45 | $556.90 |
| 6-Month CD | 1.879% | $93.93 | $187.86 | $469.65 | $939.30 |
| 12-Month CD | 2.247% | $112.33 | $224.66 | $561.65 | $1,123.30 |
| 18-Month CD | 2.878% | $143.89 | $287.77 | $719.43 | $1,438.85 |
| 24-Month CD | 2.496% | $124.80 | $249.59 | $623.98 | $1,247.95 |
| 36-Month CD | 2.433% | $121.64 | $243.27 | $608.18 | $1,216.35 |
| 48-Month CD | 2.251% | $112.56 | $225.12 | $562.80 | $1,125.60 |
| 60-Month CD | 2.600% | $130.02 | $260.03 | $650.08 | $1,300.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for Kentucky Savers
$25,000 split equally across 5 terms using today’s Kentucky average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | KY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.114% | $55.69 |
| 2 | 6-Month CD | $5,000 | 1.879% | $93.93 |
| 3 | 12-Month CD | $5,000 | 2.247% | $112.33 |
| 4 | 24-Month CD | $5,000 | 2.496% | $124.80 |
| 5 | 36-Month CD | $5,000 | 2.433% | $121.64 |
| Total ($25,000 invested) | $25,000 | 2.034% blended | $508.39/yr | |
Ladder example uses equal $5,000 rungs and Kentucky average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
382
CD Rates
Tracked in Kentucky
Tracked in Kentucky
20 Banks
23 Credit Unions
About Our Kentucky CD Rate Database
MonitorBankRates tracks 382 CD rates from 20 banks and 23 credit unions with locations in Kentucky, plus national online institutions available to Kentucky residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Commonwealth Credit Union Frankfort, KY offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Kentucky.
How to Find the Best CD Rates in Kentucky
What to compare when shopping for a CD in Kentucky
To find the best APYs in Kentucky, start with credit unions and online-only banks — Kentucky has 23 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Kentucky
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Kentucky — 43 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Kentucky savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Kentucky money market rates
Kentucky Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.3%
National avg: 17.3%
Median Individual Earnings
$40,635
National avg: $47,340
Poverty Rate
16.1%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$91/yr
At KY 12-mo avg 2.247% APY
17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s KY 12-month CD average of 2.247%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $91 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Kentucky
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Kentucky
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Kentucky typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Kentucky as everywhere in the U.S.
Choosing a CD Term in Kentucky
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Kentucky savers easier access to their funds. For example, General Electric Credit Union is offering its 6-month intro Certificate at 4.99% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Commonwealth Credit Union Frankfort, KY is offering its 60 months at 3.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Kentucky Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Kentucky saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Kentucky
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Kentucky CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Kentucky
Most CDs carry a fixed rate that is locked for the entire term, protecting a Kentucky depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Kentucky
Are CD rates in Kentucky FDIC insured?
Yes, most established banks in Kentucky are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Kentucky?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Kentucky.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Kentucky may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Kentucky?
Here are recent top rates found for this area:
- Commonwealth Credit Union Frankfort, KY: 5.00% APY (Grow with Me 12-Month Certificate)
- General Electric Credit Union: 4.99% APY (6-month intro Certificate)
- Louisville Gas & Electric Company Credit Union: 4.33% APY (6 Month Certificate)
- Lincoln Bank of Hodgenville: 4.20% APY (18 Month IRA Certificate of Deposit)
- CLASS ACT: 4.15% APY (IRA Certificate 12 Month)
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable)
- Bank of Lexington: 4.10% APY (12-month certificate of deposit special)
- Meade County Bank: 4.10% APY (6-month Certificate of Deposit)
- C-Plant Federal Credit Union: 4.07% APY (24 Month Certificate)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Account 6 Month)
Rates reflect recent verified offers available in Kentucky. Last Updated: July 25, 2026
CD Calculators for Kentucky
Kentucky CD Calculator
At today’s KY top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Kentucky CD LadderKY CD rates currently range from 1.114% (3-month) to 2.433% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Kentucky CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsKentucky’s average 12-month CD is 2.247% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kentucky CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Kentucky directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Kentucky. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in KY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: July 25, 2026
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