Gradyville, Kentucky Best CD Rates October 2026
Content reviewed by
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.
Gradyville, Kentucky CD rates from banks and credit unions serving Kentucky range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 20, 2026. Current Gradyville, Kentucky CD rates include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KYA+5.0 ★Texas Ratio: 5.31%Real return: +2.45%APY minus CPI (February 2026) offering Traditional Grow with Me 12-Month Certificate at 5.25% APY, Y-12 Federal Credit UnionY-12 Federal Credit UnionA+5.0 ★Texas Ratio: 3.67%Real return: +1.95%APY minus CPI (February 2026) offering 12 Month Business Share Certificate PROMO at 4.75% APY, Central Bank & Trust CompanyCentral Bank & Trust CompanyA+5.0 ★Texas Ratio: 1.26%Real return: +1.70%APY minus CPI (February 2026) offering 5 Year Certificate of Deposit at 4.50% APY, Louisville Federal Credit UnionLouisville Federal Credit UnionA+5.0 ★Texas Ratio: 1.10%Real return: +1.70%APY minus CPI (February 2026) offering 1 Year Share Certificate at 4.50% APY, and SFGI DirectSFGI DirectA5.0 ★Texas Ratio: 7.39%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month CD at 4.40% APY. CD rates as of October 20, 2026 according to verified data from MonitorBankRates.
Gradyville is a smaller community with no bank or credit union branches currently in our database. 731 institutions serving the Kentucky area are available to Gradyville residents, with CD rates as high as 5.25% APY from Commonwealth Credit Union Frankfort, KY. Rates are continually updated, so 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: October 20, 2026
Compare Best CD Rates in Gradyville, Kentucky & the Surrounding Area
Gradyville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
3 Month CD
$0
4.07%
▲ 2.39% above Kentucky avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average1.68%▲ 2.39% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 3 Months
$500
3.90%
▲ 2.22% above Kentucky avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average1.68%▲ 2.22% above avgNationally 2.12%
Details
APY* = Annual Percentage Yield; Minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificates
$0
3.65%
▲ 1.97% above Kentucky avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▲ 1.97% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
3-Month Certificate
$0
3.55%
▲ 1.87% above Kentucky avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▲ 1.87% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA 3-Month Certificate
$0
3.55%
▲ 1.87% above Kentucky avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▲ 1.87% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
CD Special - 3 Months
$2,000
3.50%
▲ 1.82% above Kentucky avg
▼
Rate3.44%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▲ 1.82% above avgNationally 2.12%
Details
Day/Year: 365/366; Early Withdrawal Penalty: 45 Days; Effective September 22, 2026
Rate History
No change since Oct 20, 2026 · 3.50% APY
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
Certificates of Deposit & Individual Retirement Account - 91 Day (3 Month)
$500
3.35%
▲ 1.67% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▲ 1.67% above avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 6 times
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 Month Certificate
$0
2.75%
▲ 1.07% above Kentucky avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average1.68%▲ 1.07% above avgNationally 2.12%
Details
Minimum balance $500; Certificate Rates
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
90 Day Fixed Rate CD
$500
2.70%
▲ 1.02% above Kentucky avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▲ 1.02% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 7 times
Bank of Maysville
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
CD - 3 Month
$0
2.53%
▲ 0.85% above Kentucky avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.68%▲ 0.85% above avgNationally 2.12%
Details
Rate History
No change since Sep 30, 2026 · 2.53% APY · checked 5 times
Bank of Maysville
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA 3 Month Fixed
$0
2.53%
▲ 0.85% above Kentucky avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.68%▲ 0.85% above avgNationally 2.12%
Details
Minimum balance to obtain the disclosed APY: $500
Rate History
No change since Oct 14, 2026 · 2.53% APY
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Short Term Certificate of Deposit - Fixed 3 mo.
$1,000
2.50%
▲ 0.82% above Kentucky avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▲ 0.82% above avgNationally 2.12%
Details
Accurate As Of: October 20, 2026
Rate History
No change since Oct 20, 2026 · 2.50% APY
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
3 Month High Yield Certificate
$500
2.05%
▲ 0.37% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▲ 0.37% above avgNationally 2.12%
Details
High Yield Certificate Account; $500 minimum
Rate History
No change since Oct 13, 2026 · 2.05% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month Certificate of Deposit
$500
2.00%
▲ 0.32% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▲ 0.32% above avgNationally 2.12%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
90 Day Certificate of Deposit
$0
2.00%
▲ 0.32% above Kentucky avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▲ 0.32% above avgNationally 2.12%
Details
Rate History
No change since Sep 8, 2026 · 2.00% APY · checked 9 times
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Share Certificate - 90 Day
$500
2.00%
▲ 0.32% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▲ 0.32% above avgNationally 2.12%
Details
Subject to Change: Weekly
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55%
▼ 0.13% below Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 0.13% below avgNationally 2.12%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50%
▼ 0.18% below Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 0.18% below avgNationally 2.12%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3 Month Certificate
$0
1.50%
▼ 0.18% below Kentucky avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▼ 0.18% below avgNationally 2.12%
Details
Dividends paid monthly; IRA certificates available for 1, 2, 3 and 4-year terms
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 3 Month
$0
1.26%
▼ 0.42% below Kentucky avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▼ 0.42% below avgNationally 2.12%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 3 times
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
3 Month Jumbo Certificate
$100,000
1.25%
▼ 0.43% below Kentucky avg
▼
Rate1.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.68%▼ 0.43% below avgNationally 2.12%
Details
Rate History
1 change since Sep 14, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
- Oct 3, 20261.25%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Certificate
$0
1.25%
▼ 0.43% below Kentucky avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average1.68%▼ 0.43% below avgNationally 2.12%
Details
Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 5 times
Citizens National Bank of Lebanon
Institution Rating:
B+4.0 ★Texas Ratio: 0.93%
3 Month Certificate of Deposit
$0
1.10%
▼ 0.58% below Kentucky avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 0.58% below avgNationally 2.12%
Details
Regular Certificates of Deposit
Rate History
No change since Sep 9, 2026 · 1.10% APY · checked 7 times
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
Share and IRA Certificates - 3 Month
$1,000
0.70%
▼ 0.98% below Kentucky avg
▼
Rate0.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▼ 0.98% below avgNationally 2.12%
Details
Not Available for IRAs; Compounds Daily; Dividends Paid Monthly; Minimum opening balance and to earn APY: $1,000.00
Rate History
No change since Oct 13, 2026 · 0.70% APY · checked 2 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
Certificate - 90 Day
$500
0.50%
▼ 1.18% below Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average1.68%▼ 1.18% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
3 Month Certificate
$500
0.45%
▼ 1.23% below Kentucky avg
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.68%▼ 1.23% below avgNationally 2.12%
Details
Rate History
1 change since Sep 14, 2026 · 0.35% → 0.45% ▲ 0.10 pts · high 0.45% / low 0.35%
- Oct 3, 20260.45%▲ from 0.35%
- Sep 14, 20260.35%first recorded
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
CD - 3 months
$1,000
0.40%
▼ 1.28% below Kentucky avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.28% below avgNationally 2.12%
Details
Minimum balance of $1,000.00 required to earn APY; Rates current as of October 16, 2026
Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 7 times
Murray Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.52%
Certificates of Deposits - 3 Month
$1,000
0.30%
▼ 1.38% below Kentucky avg
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.38% below avgNationally 2.12%
Details
Compound Frequency: At Maturity; Early Withdrawal Penalty: 1 Month; Minimum of $1,000 to open
Rate History
No change since Sep 7, 2026 · 0.30% APY · checked 9 times
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
Certificate Account - 3 Months
$0
0.25%
▼ 1.43% below Kentucky avg
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average1.68%▼ 1.43% below avgNationally 2.12%
Details
Regular APY; Effective 9/1/2026
Rate History
No change since Oct 15, 2026 · 0.25% APY
Kentucky Farmers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month CD
$1,000
0.20%
▼ 1.48% below Kentucky avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.48% below avgNationally 2.12%
Details
Compounds: Maturity
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 6 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 MONTH CD
$500
0.10%
▼ 1.58% below Kentucky avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.58% below avgNationally 2.12%
Details
Published APY range: 0.10-0.15%. Jumbo >100K rate: .15%
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 8 times
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Certificate of Deposit - 3 Months
$0
0.10%
▼ 1.58% below Kentucky avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.58% below avgNationally 2.12%
Details
Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 10 times
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Certificates of Deposit (CDs) - 3 months
$0
0.10%
▼ 1.58% below Kentucky avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.68%▼ 1.58% below avgNationally 2.12%
Details
Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 3 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
IRA Fixed 3 mo.
$100
0.05%
▼ 1.63% below Kentucky avg
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.63% below avgNationally 2.12%
Details
Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 9 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Month Business Share Certificate
$0
0.05%
▼ 1.63% below Kentucky avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average1.68%▼ 1.63% below avgNationally 2.12%
Details
Balance: $100,000 and over; penalty for early withdrawal
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Business Share Certificates 3 Months
$0
0.05%
▼ 1.63% below Kentucky avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average1.68%▼ 1.63% below avgNationally 2.12%
Details
Balance: $100,000+; Dividends compounded monthly
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 1.65% below Kentucky avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.65% below avgNationally 2.12%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 1.66% below Kentucky avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.66% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 1.67% below Kentucky avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average1.68%▼ 1.67% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
Gradyville 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Business Share Certificate PROMO
$50,000
4.75%
▲ 2.12% above Kentucky avg
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 2.12% above avgNationally 2.79%
Details
Limited-time promo; 25% of opening deposit must be new money; penalty for early withdrawal
Rate History
No change since Oct 12, 2026 · 4.75% APY · checked 2 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Share Certificate PROMO
$0
4.75%
▲ 2.12% above Kentucky avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 2.12% above avgNationally 2.79%
Details
Limited-time promo; minimum balance $500 to receive advertised rate; penalty for early withdrawal
Rate History
No change since Oct 12, 2026 · 4.75% APY · checked 2 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
PROMO Business Share Certificates 6 Months
$50,000
4.75%
▲ 2.12% above Kentucky avg
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 2.12% above avgNationally 2.79%
Details
Promo; 25% of opening deposit must be new money; at maturity converts to regular certificate; early withdrawal penalty applies
Rate History
No change since Oct 15, 2026 · 4.75% APY
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
6 Month Share Certificate
$1,000
4.50%
▲ 1.87% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.87% above avgNationally 2.79%
Details
Interest compounded & paid quarterly; As of July 1, 2026
Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 2 times
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6 Month Certificate
$0
4.33%
▲ 1.70% above Kentucky avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.70% above avgNationally 2.79%
Details
Dividends paid monthly; IRA certificates available for 1, 2, 3 and 4-year terms
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 6 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
6 Month Traditional Certificate
$500
4.25%
▲ 1.62% above Kentucky avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.62% above avgNationally 2.79%
Details
New money only, not funds currently on deposit with Commonwealth Credit Union; Also offered as Traditional IRA and Roth IRA certificate; Dividends compounded monthly; Substantial penalties for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
No change since Sep 30, 2026 · 4.25% APY · checked 3 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Traditional 6 Month Certificate - New Money Only
$500
4.25%
▲ 1.62% above Kentucky avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.62% above avgNationally 2.79%
Details
New money only, not funds currently on deposit with Commonwealth Credit Union; Substantial penalties apply for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
No change since Oct 19, 2026 · 4.25% APY
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Traditional 6-month Jumbo Certificate
$75,000
4.25%
▲ 1.62% above Kentucky avg
▼
Rate4.17%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.62% above avgNationally 2.79%
Details
Jumbo; $75,000 minimum balance; Auto-renews to a Jumbo Certificate with same term at standard Jumbo rates; Limited time offer; Substantial penalties for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 4 times
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20%
▲ 1.57% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 1.57% above avgNationally 2.79%
Details
APY available on a new Certificate of Deposit opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits may be made during the term; APY accurate as of October 19th, 2026
Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
- Oct 7, 20264.20%▲ from 4.09%
- Sep 28, 20264.09%first recorded
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Traditional 6 Month Certificate
$500
4.15%
▲ 1.52% above Kentucky avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.52% above avgNationally 2.79%
Details
Substantial penalties apply for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6-month Certificate of Deposit
$0
4.10%
▲ 1.47% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 1.47% above avgNationally 2.79%
Details
Homepage featured rate; advertised as Annual Percentage Yield*
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
6 Month CD
$0
4.07%
▲ 1.44% above Kentucky avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.44% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 6 Month
$0
4.06%
▲ 1.43% above Kentucky avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.43% above avgNationally 2.79%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00%
▲ 1.37% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00%
▲ 1.37% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▲ 1.37% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Traditional Certificate of Deposit - 6 Month
$0
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Payment: Monthly; Share, Traditional IRA, Roth IRA, and Educ IRA certificates; Rates as of October 3, 2025; Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
Rate History
No change since Oct 15, 2026 · 4.00% APY
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Month IRA Certificate
$500
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 19, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Month Share Certificate
$500
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 19, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 6 Months
$500
3.95%
▲ 1.32% above Kentucky avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 1.32% above avgNationally 2.79%
Details
APY* = Annual Percentage Yield; Minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 2 times
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
6-Month CD
$500
3.90%
▲ 1.27% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.27% above avgNationally 2.79%
Details
Special CD rates are effective for the initial term only. CD will automatically renew at the base non-special rate in effect at maturity for the corresponding original term.
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
Commonwealth Community Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Certificates of Deposit - 6 Month CD Special
$5,000
3.80%
▲ 1.17% above Kentucky avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 1.17% above avgNationally 2.79%
Details
Limited time only
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - 6 Month
$1,000
3.70%
▲ 1.07% above Kentucky avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 1.07% above avgNationally 2.79%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 8 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificates
$0
3.70%
▲ 1.07% above Kentucky avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.07% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
6 Month Certificate of Deposit Accounts
$1,000
3.70%
▲ 1.07% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.07% above avgNationally 2.79%
Details
Comparison table row for Delta Community; 6-Month term heading from page context; competitor rows (Chase Bank, Bank of America, Wells Fargo, PNC Bank) excluded as they are not Delta Community rates
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Oct 9, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
6-Month Certificate
$0
3.60%
▲ 0.97% above Kentucky avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.97% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA 6-Month Certificate
$0
3.60%
▲ 0.97% above Kentucky avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.97% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6 Month Share Certificates
$2,500
3.56%
▲ 0.93% above Kentucky avg
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.93% above avgNationally 2.79%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over; Certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
- Sep 17, 20263.56%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates - 6 months
$2,500
3.56%
▲ 0.93% above Kentucky avg
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.93% above avgNationally 2.79%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over; Certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
- Sep 17, 20263.56%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
6 Month Business Jumbo Share Certificate
$35,000
3.55%
▲ 0.92% above Kentucky avg
▼
Rate3.49%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.92% above avgNationally 2.79%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 6 Month
$0
3.55%
▲ 0.92% above Kentucky avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.92% above avgNationally 2.79%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Certificate 6 MONTH
$500
3.55%
▲ 0.92% above Kentucky avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.92% above avgNationally 2.79%
Details
Federally insured by NCUA
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Individual Retirement Account - Fixed Rate - 6 Months
$0
3.50%
▲ 0.87% above Kentucky avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 0.87% above avgNationally 2.79%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Short Term Certificate of Deposit - Fixed 6 mo.
$1,000
3.50%
▲ 0.87% above Kentucky avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 0.87% above avgNationally 2.79%
Details
Accurate As Of: October 20, 2026
Rate History
No change since Oct 20, 2026 · 3.50% APY
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Certificates of Deposit (CDs) - 6 months
$0
3.50%
▲ 0.87% above Kentucky avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 0.87% above avgNationally 2.79%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 3 times
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
6 Month Share/IRA Certificates
$0
3.50%
▲ 0.87% above Kentucky avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.87% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
Share Certificate - 6 Month
$500
3.49%
▲ 0.86% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.86% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 7 times
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
Certificate of Deposit - 6 Month
$500
3.45%
▲ 0.82% above Kentucky avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 0.82% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
Individual Retirement Account - 6 Month
$500
3.45%
▲ 0.82% above Kentucky avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 0.82% above avgNationally 2.79%
Details
Rate History
No change since Oct 10, 2026 · 3.45% APY · checked 3 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
6 Month Business Standard Share Certificate
$2,500
3.30%
▲ 0.67% above Kentucky avg
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.67% above avgNationally 2.79%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 6 Month
$0
3.30%
▲ 0.67% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.67% above avgNationally 2.79%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
Murray Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.52%
Certificates of Deposits - 6 Month
$1,000
3.25%
▲ 0.62% above Kentucky avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 0.62% above avgNationally 2.79%
Details
Compound Frequency: At Maturity; Early Withdrawal Penalty: 3 Month; Minimum of $1,000 to open
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 9 times
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificate - 6 Month
$0
3.09%
▲ 0.46% above Kentucky avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.46% above avgNationally 2.79%
Details
Rate History
No change since Sep 21, 2026 · 3.09% APY · checked 4 times
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Certificate
$500
3.02%
▲ 0.39% above Kentucky avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.39% above avgNationally 2.79%
Details
Certificate Rates effective 07/01/2025
Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 7 times
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Share Certificate - 6 month
$500
3.00%
▲ 0.37% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.37% above avgNationally 2.79%
Details
Subject to Change: Weekly
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Bank of Maysville
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
CD - 6 Month
$0
2.79%
▲ 0.16% above Kentucky avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 0.16% above avgNationally 2.79%
Details
Rate History
No change since Sep 30, 2026 · 2.79% APY · checked 5 times
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
Share and IRA Certificates - 6 Month
$1,000
2.79%
▲ 0.16% above Kentucky avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.16% above avgNationally 2.79%
Details
Not Available for IRAs; Compounds Daily; Dividends Paid Monthly; Minimum opening balance and to earn APY: $1,000.00
Rate History
No change since Oct 13, 2026 · 2.79% APY · checked 2 times
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6 Month Certificate
$0
2.75%
▲ 0.12% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.12% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month IRA Share Certificate
$0
2.75%
▲ 0.12% above Kentucky avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.12% above avgNationally 2.79%
Details
IRA; Minimum Opening Balance $500.00
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 3 times
Gradyville 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: 5.31%
Traditional Grow with Me 12-Month Certificate
$250
5.25%
▲ 2.21% above Kentucky avg
▼
Rate5.13%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 2.21% above avgNationally 3.00%
Details
Available to Regular, Traditional IRA, and Roth IRA; available only for members under 18 years of age; Each member may only have one account; maximum initial deposit $1,000; no more than $1,000 may be deposited for each year the account has been open; early withdrawal penalties may apply; substantial penalties apply for early withdrawal; Youth Products (Regular, Traditional IRA, and Roth IRA)
Rate History
1 change since Sep 30, 2026 · 5.15% → 5.25% ▲ 0.10 pts · high 5.25% / low 5.15%
- Oct 1, 20265.25%▲ from 5.15%
- Sep 30, 20265.15%first recorded
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Month Business Share Certificate PROMO
$50,000
4.75%
▲ 1.71% above Kentucky avg
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 1.71% above avgNationally 3.00%
Details
Limited-time promo; 25% of opening deposit must be new money; penalty for early withdrawal
Rate History
No change since Oct 12, 2026 · 4.75% APY · checked 2 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Month Share Certificate PROMO
$0
4.75%
▲ 1.71% above Kentucky avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 1.71% above avgNationally 3.00%
Details
Limited-time promo; minimum balance $500 to receive advertised rate; penalty for early withdrawal
Rate History
No change since Oct 12, 2026 · 4.75% APY · checked 2 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
PROMO Business Share Certificates 12 Months
$50,000
4.75%
▲ 1.71% above Kentucky avg
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 1.71% above avgNationally 3.00%
Details
Promo; 25% of opening deposit must be new money; at maturity converts to regular certificate; early withdrawal penalty applies
Rate History
No change since Oct 15, 2026 · 4.75% APY
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1 Year Share Certificate
$1,000
4.50%
▲ 1.46% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 1.46% above avgNationally 3.00%
Details
Interest compounded & paid quarterly; As of July 1, 2026
Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 2 times
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1 Year CD Management Account
$0
4.38%
▲ 1.34% above Kentucky avg
▼
Rate4.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.34% above avgNationally 3.00%
Details
Variable rate; Current CD Special
Rate History
No change since Oct 7, 2026 · 4.38% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.31% above Kentucky avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.31% above avgNationally 3.00%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Traditional 12-month Jumbo Certificate
$75,000
4.35%
▲ 1.31% above Kentucky avg
▼
Rate4.27%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 1.31% above avgNationally 3.00%
Details
Jumbo; $75,000 minimum balance; Auto-renews to a Jumbo Certificate with same term at standard Jumbo rates; Limited time offer; Substantial penalties for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 4 times
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12-Month CD
$1,000
4.30%
▲ 1.26% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.26% above avgNationally 3.00%
Details
APY available on a new Certificate of Deposit opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits may be made during the term; APY accurate as of October 19th, 2026
Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 7, 20264.30%▲ from 4.20%
- Sep 28, 20264.20%first recorded
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
12 Month CD
$0
4.27%
▲ 1.23% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 1.23% above avgNationally 3.00%
Details
CD Special; Earn a competitive 4.27% APY on our special 12-month CD
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.27% ▲ 0.12 pts · high 4.27% / low 4.15%
- Sep 28, 20264.27%▲ from 4.15%
- Sep 14, 20264.15%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
1 YEAR CD
$500
4.25%
▲ 1.21% above Kentucky avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 3.00%
Details
Jumbo >100K rate: 4.18%
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 8 times
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
12-Month CD
$500
4.25%
▲ 1.21% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 3.00%
Details
Special CD rates are effective for the initial term only. CD will automatically renew at the base non-special rate in effect at maturity for the corresponding original term.
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Month Share Certificate Choose Your Term Special Offer
$0
4.25%
▲ 1.21% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 3.00%
Details
Choose Your Term Special Offer
Rate History
No change since Oct 15, 2026 · 4.25% APY
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Traditional 12 Month Certificate
$500
4.25%
▲ 1.21% above Kentucky avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 3.00%
Details
Substantial penalties apply for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
1 change since Sep 30, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 30, 20264.15%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Month IRA Certificate
$1,000
4.25%
▲ 1.21% above Kentucky avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 19, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Month Share Certificate
$1,000
4.25%
▲ 1.21% above Kentucky avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 19, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
12-Month CD
$1,000
4.20%
▲ 1.16% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 1.16% above avgNationally 3.00%
Details
Limited-Time Offer; New Money Only; Minimum balance to open and obtain the advertised APY is $1,000; Rate and APY effective as of 8/10/26, subject to change at the Bank's discretion
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Certificates of Deposit (CDs) - 12 months
$0
4.20%
▲ 1.16% above Kentucky avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 1.16% above avgNationally 3.00%
Details
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 1.06% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.06% above avgNationally 3.00%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
12 Month Certificate of Deposit
$0
4.10%
▲ 1.06% above Kentucky avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.06% above avgNationally 3.00%
Details
Rate History
No change since Sep 8, 2026 · 4.10% APY · checked 9 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
12 Month Individual Retirement Account (IRA)
$0
4.10%
▲ 1.06% above Kentucky avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.06% above avgNationally 3.00%
Details
IRA
Rate History
No change since Sep 8, 2026 · 4.10% APY · checked 9 times
Community Financial Services Bank (CFSB)
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
12-Month IRA (Variable)
$25
4.07%
▲ 1.03% above Kentucky avg
▼
Rate4.03%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.03% above avgNationally 3.00%
Details
IRA certificate; Variable rate; Minimum to obtain yield: $25; Rate accurate as of August 31, 2026
Rate History
1 change since Sep 18, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
- Oct 2, 20264.07%▲ from 3.95%
- Sep 18, 20263.95%first recorded
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
12 Month IRA Certificate
$0
4.07%
▲ 1.03% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 1.03% above avgNationally 3.00%
Details
Traditional and Roth IRA; 90-day dividend penalty for early withdrawal
Rate History
1 change since Sep 12, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 4, 20264.07%▲ from 3.82%
- Sep 12, 20263.82%first recorded
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Standard Share Certificates - 12 Month Certificate
$0
4.07%
▲ 1.03% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 1.03% above avgNationally 3.00%
Details
Certificate rates subject to change weekly; 90-day dividend penalty for early withdrawal
Rate History
No change since Oct 12, 2026 · 4.07% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05%
▲ 1.01% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 1.01% above avgNationally 3.00%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00%
▲ 0.96% above Kentucky avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 3.00%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1 Year Certificate of Deposit
$0
4.00%
▲ 0.96% above Kentucky avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 3.00%
Details
Rate History
1 change since Sep 18, 2026 · 2.00% → 4.00% ▲ 2.00 pts · high 4.00% / low 2.00%
- Sep 24, 20264.00%▲ from 2.00%
- Sep 18, 20262.00%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Individual Retirement Account - Fixed Rate - 12 Months
$0
4.00%
▲ 0.96% above Kentucky avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 3.00%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 Year Certificate of Deposit
$500
4.00%
▲ 0.96% above Kentucky avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 3.00%
Details
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 12 Months
$500
4.00%
▲ 0.96% above Kentucky avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 3.00%
Details
APY* = Annual Percentage Yield; Minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Share/IRA Certificates
$0
4.00%
▲ 0.96% above Kentucky avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 3.00%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
12 Month Certificate of Deposit Accounts
$0
4.00%
▲ 0.96% above Kentucky avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 9, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
Share Certificate - 1-Year
$500
4.00%
▲ 0.96% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 3.00%
Details
Limited Time Offer; Dividends calculated daily and paid monthly; Fixed interest rate and maturity date; Early withdrawal will result in penalty
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1 Year Certificate
$1,000
3.91%
▲ 0.87% above Kentucky avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 0.87% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 8 times
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12-Month CD
$1,000
3.90%
▲ 0.86% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 0.86% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Share Certificate - 12 Months
$1,000
3.90%
▲ 0.86% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 0.86% above avgNationally 3.00%
Details
Calvert City or Draffenville Branches; Limited-time CD Special; Open or renew a Share certificate with a $1,000 minimum deposit
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
First State Bank Irvington, KY
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
12-month Certificate of Deposit
$0
3.85%
▲ 0.81% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.81% above avgNationally 3.00%
Details
Homepage featured rate; Annual Percentage Yield*
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 12 Month
$0
3.85%
▲ 0.81% above Kentucky avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 0.81% above avgNationally 3.00%
Details
Regular Accounts minimum balance to earn APY; Education Savings minimum: $500.00; Roth or Traditional IRAs minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
Certificates of Deposit & Individual Retirement Account - 13 Month (1 Year, 1 Month)
$500
3.82%
▲ 0.78% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 0.78% above avgNationally 3.00%
Details
Rate History
No change since Sep 24, 2026 · 3.82% APY · checked 6 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
12 Month Share Certificates
$2,500
3.82%
▲ 0.78% above Kentucky avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 0.78% above avgNationally 3.00%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over; Certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates - 12 months
$2,500
3.82%
▲ 0.78% above Kentucky avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 0.78% above avgNationally 3.00%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over; Certificates must be at least $2,500 to qualify for monthly dividend payments
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Certificate 12 MONTH
$500
3.82%
▲ 0.78% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 0.78% above avgNationally 3.00%
Details
Federally insured by NCUA
Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
Bank of Clarkson
Institution Rating:
A5.0 ★Texas Ratio: 12.34%
12-Month CD
$0
3.80%
▲ 0.76% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 3.00%
Details
Minimum balance to obtain APY: $500.00; APY accurate as of 6/16/2026; CD automatically renews for the same term; 10-day grace period after maturity to withdraw without penalty; early withdrawal penalty may apply
Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 9 times
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12 Month Certificate
$500
3.80%
▲ 0.76% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 3.00%
Details
Certificate Rates effective 07/01/2025
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
1-Year Jumbo Certificate
$0
3.80%
▲ 0.76% above Kentucky avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Jumbo 1-Year Certificate
$0
3.80%
▲ 0.76% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 3.00%
Details
IRA Jumbo Certificates; APYs as of last dividend declaration date 10.6.2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
12 Month CD
$0
3.78%
▲ 0.74% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 0.74% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
CD - 12 months
$1,000
3.76%
▲ 0.72% above Kentucky avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average3.04%▲ 0.72% above avgNationally 3.00%
Details
Minimum balance of $1,000.00 required to earn APY; Rates current as of October 16, 2026
Rate History
2 changes since Sep 7, 2026 · 3.04% → 3.76% ▲ 0.72 pts · high 3.76% / low 3.04%
- Oct 20, 20263.76%▲ from 3.66%
- Sep 24, 20263.66%▲ from 3.04%
- Sep 7, 20263.04%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificates
$0
3.75%
▲ 0.71% above Kentucky avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average3.04%▲ 0.71% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 Year CD Special
$500
3.73%
▲ 0.69% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 0.69% above avgNationally 3.00%
Details
Rate History
No change since Oct 7, 2026 · 3.73% APY · checked 2 times
Gradyville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Business Share Certificate PROMO
$50,000
4.75%
▲ 1.98% above Kentucky avg
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.77%▲ 1.98% above avgNationally 2.88%
Details
Limited-time promo; 25% of opening deposit must be new money; penalty for early withdrawal
Rate History
No change since Oct 12, 2026 · 4.75% APY · checked 2 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Share Certificate PROMO
$0
4.75%
▲ 1.98% above Kentucky avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.77%▲ 1.98% above avgNationally 2.88%
Details
Limited-time promo; minimum balance $500 to receive advertised rate; penalty for early withdrawal
Rate History
No change since Oct 12, 2026 · 4.75% APY · checked 2 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
PROMO Business Share Certificates 18 Months
$50,000
4.75%
▲ 1.98% above Kentucky avg
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.77%▲ 1.98% above avgNationally 2.88%
Details
Promo; 25% of opening deposit must be new money; at maturity converts to regular certificate; early withdrawal penalty applies
Rate History
No change since Oct 15, 2026 · 4.75% APY
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40%
▲ 1.63% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.63% above avgNationally 2.88%
Details
APY available on a new Certificate of Deposit opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits may be made during the term; APY accurate as of October 19th, 2026
Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 7, 20264.40%▲ from 4.30%
- Sep 28, 20264.30%first recorded
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 Month Certificate of Deposit
$500
4.35%
▲ 1.58% above Kentucky avg
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.58% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
- Sep 24, 20264.35%▲ from 4.20%
- Sep 7, 20264.20%first recorded
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 Month IRA Certificate of Deposit
$500
4.35%
▲ 1.58% above Kentucky avg
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.58% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
- Sep 19, 20264.35%▲ from 4.20%
- Sep 7, 20264.20%first recorded
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 Month IRA Variable Certificate of Deposit
$500
4.35%
▲ 1.58% above Kentucky avg
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.58% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
- Sep 19, 20264.35%▲ from 4.20%
- Sep 7, 20264.20%first recorded
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Traditional 18 Month Certificate
$500
4.30%
▲ 1.53% above Kentucky avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.53% above avgNationally 2.88%
Details
Substantial penalties apply for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
1 change since Sep 30, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 1, 20264.30%▲ from 3.90%
- Sep 30, 20263.90%first recorded
WMB Wilson & Muir B&T Co.
Institution Rating:
A+4.9 ★Texas Ratio: 2.62%
18 Month IRA (Variable Rate)
$0
4.29%
▲ 1.52% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.52% above avgNationally 2.88%
Details
IRA; Variable Rate; this rate may change after the account is opened; Bank penalty may be applied for early withdrawal; rates valid as of 10/01/2026
Rate History
1 change since Sep 7, 2026 · 3.89% → 4.29% ▲ 0.40 pts · high 4.29% / low 3.89%
- Oct 2, 20264.29%▲ from 3.89%
- Sep 7, 20263.89%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
18-Month Certificate
$0
4.25%
▲ 1.48% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA 18-Month Certificate
$0
4.25%
▲ 1.48% above Kentucky avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Month IRA Certificate
$1,000
4.25%
▲ 1.48% above Kentucky avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 19, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 Month Share Certificate
$1,000
4.25%
▲ 1.48% above Kentucky avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 19, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
18 Month Certificate of Deposit
$500
4.21%
▲ 1.44% above Kentucky avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.77%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 4.21% APY · checked 7 times
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
18 Month Legacy Certificate
$50
4.20%
▲ 1.43% above Kentucky avg
▼
Rate4.12%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.77%▲ 1.43% above avgNationally 2.88%
Details
Legacy requirements: one per minor child; minimum opening deposit $50; Cinfed will match a one-time $50 opening deposit; additional deposits allowed until maturity; monthly transfer required; only available on General Membership, Custodian, and UGMA/UTMA accounts
Rate History
No change since Oct 15, 2026 · 4.20% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.38% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.38% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
18 Month Share/IRA Certificates
$0
4.15%
▲ 1.38% above Kentucky avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.38% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.33% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.33% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
CD 18 MONTH
$500
4.05%
▲ 1.28% above Kentucky avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.28% above avgNationally 2.88%
Details
Published APY range: 4.05-4.25%. Jumbo >100K rate: 4.18%
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 7 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
18 Month IRA - Jumbo
$100
4.00%
▲ 1.23% above Kentucky avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Jumbo >100K APY; Jumbo rate requires a minimum of $100,000
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
IRA Fixed 18 mo.
$100
4.00%
▲ 1.23% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 20, 20264.00%▲ from 3.75%
- Sep 8, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Business Jumbo Share Certificate
$35,000
4.00%
▲ 1.23% above Kentucky avg
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 18 Month
$0
4.00%
▲ 1.23% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
18 Month CESA
$100
3.94%
▲ 1.17% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.17% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.94% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
18 Month IRA
$100
3.94%
▲ 1.17% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.17% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.94% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
18 Month ROTH
$100
3.94%
▲ 1.17% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.17% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.94% APY · checked 2 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Short Term Certificate of Deposit - Fixed 18 mo.
$1,000
3.85%
▲ 1.08% above Kentucky avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.08% above avgNationally 2.88%
Details
Accurate As Of: October 20, 2026
Rate History
No change since Oct 20, 2026 · 3.85% APY
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Share Certificates
$500
3.82%
▲ 1.05% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.77%▲ 1.05% above avgNationally 2.88%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates - 18 months
$500
3.82%
▲ 1.05% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.77%▲ 1.05% above avgNationally 2.88%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
Certificate of Deposit - 18 Month
$500
3.80%
▲ 1.03% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
Individual Retirement Account - 18 Month
$500
3.80%
▲ 1.03% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 3 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificates
$0
3.80%
▲ 1.03% above Kentucky avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 18-Month
$500
3.75%
▲ 0.98% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 0.98% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Business Standard Share Certificate
$2,500
3.75%
▲ 0.98% above Kentucky avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 0.98% above avgNationally 2.88%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 18 Month
$0
3.75%
▲ 0.98% above Kentucky avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 0.98% above avgNationally 2.88%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 0.93% above Kentucky avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 0.93% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD Special
$500
3.51%
▲ 0.74% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.77%▲ 0.74% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 18 Month
$0
3.50%
▲ 0.73% above Kentucky avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 0.73% above avgNationally 2.88%
Details
Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Share Certificate - 18 month
$500
3.50%
▲ 0.73% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 0.73% above avgNationally 2.88%
Details
Subject to Change: Weekly
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 10, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificate (18 month)
$0
3.49%
▲ 0.72% above Kentucky avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.77%▲ 0.72% above avgNationally 2.88%
Details
Rate History
No change since Sep 21, 2026 · 3.49% APY · checked 6 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
18 Month Certificate of Deposit
$0
3.40%
▲ 0.63% above Kentucky avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Sep 8, 2026 · 3.40% APY · checked 9 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
18 Month Individual Retirement Account (IRA)
$0
3.40%
▲ 0.63% above Kentucky avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.77%▲ 0.63% above avgNationally 2.88%
Details
IRA
Rate History
No change since Sep 8, 2026 · 3.40% APY · checked 9 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
18 Month CD Monthly
$500
3.30%
▲ 0.53% above Kentucky avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.77%▲ 0.53% above avgNationally 2.88%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
18 Month High Yield Certificate
$500
3.30%
▲ 0.53% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.77%▲ 0.53% above avgNationally 2.88%
Details
High Yield Certificate Account; $500 minimum
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
18 Month CD Quarterly
$500
3.29%
▲ 0.52% above Kentucky avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.77%▲ 0.52% above avgNationally 2.88%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
18 Month CD Semi-Annually
$500
3.28%
▲ 0.51% above Kentucky avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.77%▲ 0.51% above avgNationally 2.88%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.28% APY · checked 7 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month CD
$0
3.25%
▲ 0.48% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.77%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificate of Deposit
$1,000
3.25%
▲ 0.48% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.77%▲ 0.48% above avgNationally 2.88%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18-Month IRA
$1,000
3.25%
▲ 0.48% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.77%▲ 0.48% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 18-Month
$1,000
3.25%
▲ 0.48% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.77%▲ 0.48% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 2.65% → 3.25% ▲ 0.60 pts · high 3.25% / low 2.65%
- Oct 7, 20263.25%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Gradyville 24 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: 5.31%
Traditional 24 Month Certificate
$500
4.35%
▲ 1.44% above Kentucky avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.44% above avgNationally 2.90%
Details
Substantial penalties apply for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
1 change since Sep 30, 2026 · 3.65% → 4.35% ▲ 0.70 pts · high 4.35% / low 3.65%
- Oct 1, 20264.35%▲ from 3.65%
- Sep 30, 20263.65%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2 Year Certificate of Deposit
$0
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 2.10% → 4.25% ▲ 2.15 pts · high 4.25% / low 2.10%
- Sep 24, 20264.25%▲ from 2.10%
- Sep 18, 20262.10%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Individual Retirement Account - Fixed Rate - 24 Months
$0
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
2 Year Certificate of Deposit
$500
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
Rate History
No change since Sep 20, 2026 · 4.25% APY · checked 7 times
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2-Year Certificate
$0
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2-Year Jumbo Certificate
$0
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA 2-Year Certificate
$0
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Jumbo 2-Year Certificate
$0
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
IRA Jumbo Certificates; APYs as of last dividend declaration date 10.6.2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Month IRA Certificate
$1,000
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 19, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Month Share Certificate
$1,000
4.25%
▲ 1.34% above Kentucky avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 19, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
24 Month Share Certificates
$500
4.08%
▲ 1.17% above Kentucky avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.91%▲ 1.17% above avgNationally 2.90%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 5, 20264.08%▲ from 3.82%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates - 24 months
$500
4.08%
▲ 1.17% above Kentucky avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.91%▲ 1.17% above avgNationally 2.90%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 15, 20264.08%▲ from 3.82%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
24 Month IRA Certificate
$0
4.07%
▲ 1.16% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.91%▲ 1.16% above avgNationally 2.90%
Details
Traditional and Roth IRA; 90-day dividend penalty for early withdrawal
Rate History
No change since Sep 12, 2026 · 4.07% APY · checked 7 times
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Standard Share Certificates - 24 Month Certificate
$0
4.07%
▲ 1.16% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.91%▲ 1.16% above avgNationally 2.90%
Details
Certificate rates subject to change weekly; 90-day dividend penalty for early withdrawal
Rate History
No change since Oct 12, 2026 · 4.07% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
2 Year IRA - Jumbo >100K
$100
4.05%
▲ 1.14% above Kentucky avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 1.14% above avgNationally 2.90%
Details
Balance: Jumbo >100K; Jumbo rate requires a minimum of $100,000
Rate History
No change since Oct 20, 2026 · 4.05% APY
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 24 Months
$500
4.05%
▲ 1.14% above Kentucky avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.91%▲ 1.14% above avgNationally 2.90%
Details
APY* = Annual Percentage Yield; Minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
IRA Fixed 24 mo.
$100
4.00%
▲ 1.09% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.90%
Details
Rate History
1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 20, 20264.00%▲ from 3.75%
- Sep 8, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD
$0
4.00%
▲ 1.09% above Kentucky avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificate of Deposit
$1,000
4.00%
▲ 1.09% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.90%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24-Month IRA
$1,000
4.00%
▲ 1.09% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.90%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00%
▲ 1.09% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.90%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
24 Month Business Jumbo Share Certificate
$35,000
4.00%
▲ 1.09% above Kentucky avg
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.90%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
24 Month Traditional Jumbo Share Certificate
$0
4.00%
▲ 1.09% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.90%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 24 Month
$0
4.00%
▲ 1.09% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.90%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 9, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
2 Year CESA
$100
3.99%
▲ 1.08% above Kentucky avg
▼
Rate3.99%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 1.08% above avgNationally 2.90%
Details
Balance: $10.00 to obtain APY
Rate History
1 change since Oct 7, 2026 · 4.05% → 3.99% ▼ 0.06 pts · high 4.05% / low 3.99%
- Oct 14, 20263.99%▼ from 4.05%
- Oct 7, 20264.05%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
2 Year IRA
$100
3.99%
▲ 1.08% above Kentucky avg
▼
Rate3.99%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 1.08% above avgNationally 2.90%
Details
Balance: $10.00 to obtain APY
Rate History
1 change since Oct 7, 2026 · 4.05% → 3.99% ▼ 0.06 pts · high 4.05% / low 3.99%
- Oct 14, 20263.99%▼ from 4.05%
- Oct 7, 20264.05%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
2 Year ROTH
$100
3.99%
▲ 1.08% above Kentucky avg
▼
Rate3.99%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 1.08% above avgNationally 2.90%
Details
Balance: $10.00 to obtain APY
Rate History
1 change since Oct 7, 2026 · 4.05% → 3.99% ▼ 0.06 pts · high 4.05% / low 3.99%
- Oct 14, 20263.99%▼ from 4.05%
- Oct 7, 20264.05%first recorded
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
24 Month Certificate of Deposit
$0
3.85%
▲ 0.94% above Kentucky avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.94% above avgNationally 2.90%
Details
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 9 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
24 Month Individual Retirement Account (IRA)
$0
3.85%
▲ 0.94% above Kentucky avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.94% above avgNationally 2.90%
Details
IRA
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 9 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Long Term Deposit - Certificate of Deposit (CDs) - Fixed 24 mo.
$1,000
3.85%
▲ 0.94% above Kentucky avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.94% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 3.85% APY
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificates
$0
3.85%
▲ 0.94% above Kentucky avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.94% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
24 Month CD
$0
3.78%
▲ 0.87% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 0.87% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Certificate of Deposit - 24 Months
$0
3.75%
▲ 0.84% above Kentucky avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.90%
Details
Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 10 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
24 Month Business Standard Share Certificate
$2,500
3.75%
▲ 0.84% above Kentucky avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.90%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
24 Month Traditional Share Certificate
$0
3.75%
▲ 0.84% above Kentucky avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.90%
Details
Standard; Minimum balance to earn stated APY: $1,000 Standard. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 3.75% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 24 Month
$0
3.75%
▲ 0.84% above Kentucky avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.90%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 9, 20263.75%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70%
▲ 0.79% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.79% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66%
▲ 0.75% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.75% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month EasyStart Certificate
$50
3.60%
▲ 0.69% above Kentucky avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.69% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
Certificate of Deposit - 24 Month
$500
3.51%
▲ 0.60% above Kentucky avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.60% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
Individual Retirement Account - 24 Month
$500
3.51%
▲ 0.60% above Kentucky avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.91%▲ 0.60% above avgNationally 2.90%
Details
Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 3 times
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
24 Month Share/IRA Certificates
$0
3.50%
▲ 0.59% above Kentucky avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.59% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Share Certificate - 24 month
$500
3.50%
▲ 0.59% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.59% above avgNationally 2.90%
Details
Subject to Change: Weekly
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 10, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Certificate 24 MONTH
$500
3.46%
▲ 0.55% above Kentucky avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.55% above avgNationally 2.90%
Details
Federally insured by NCUA
Rate History
No change since Oct 13, 2026 · 3.46% APY · checked 2 times
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
IRA - 1st QUARTER Certificate 24 MONTH
$500
3.46%
▲ 0.55% above Kentucky avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.55% above avgNationally 2.90%
Details
IRA certificate
Rate History
No change since Oct 19, 2026 · 3.46% APY
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
IRA Share Certificate (24-month)
$0
3.44%
▲ 0.53% above Kentucky avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.91%▲ 0.53% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 3.44% APY · checked 2 times
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Share Certificate 2 Year Youth Certificate
$0
3.40%
▲ 0.49% above Kentucky avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.49% above avgNationally 2.90%
Details
Youth Certificate for youth 17 and under; Paid Out: Monthly; Penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.40% APY
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
24 Month Certificate of Deposit Accounts
$0
3.40%
▲ 0.49% above Kentucky avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.49% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30%
- Oct 9, 20263.40%▲ from 3.30%
- Sep 14, 20263.30%first recorded
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 Year CD Special
$500
3.38%
▲ 0.47% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 0.47% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.38% APY · checked 2 times
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate - 24 Month
$0
3.34%
▲ 0.43% above Kentucky avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.91%▲ 0.43% above avgNationally 2.90%
Details
Rate History
No change since Sep 21, 2026 · 3.34% APY · checked 4 times
Gradyville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40%
▲ 1.56% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.56% above avgNationally 2.82%
Details
Current CD Rate Promotion; APY accurate as of 10/13/2026. Terms and conditions apply.
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Traditional 36 Month Certificate
$500
4.40%
▲ 1.56% above Kentucky avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.56% above avgNationally 2.82%
Details
Substantial penalties apply for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
1 change since Sep 30, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
- Oct 1, 20264.40%▲ from 3.70%
- Sep 30, 20263.70%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
36 Month IRA Certificate
$1,000
4.35%
▲ 1.51% above Kentucky avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.51% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 19, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
36 Month Share Certificate
$1,000
4.35%
▲ 1.51% above Kentucky avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.51% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 19, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3 Year Certificate of Deposit
$0
4.30%
▲ 1.46% above Kentucky avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.46% above avgNationally 2.82%
Details
Rate History
1 change since Sep 18, 2026 · 2.15% → 4.30% ▲ 2.15 pts · high 4.30% / low 2.15%
- Sep 24, 20264.30%▲ from 2.15%
- Sep 18, 20262.15%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Individual Retirement Account - Fixed Rate - 36 Months
$0
4.30%
▲ 1.46% above Kentucky avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.46% above avgNationally 2.82%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
3 Year Certificate of Deposit
$500
4.30%
▲ 1.46% above Kentucky avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.84%▲ 1.46% above avgNationally 2.82%
Details
Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 7 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.41% above Kentucky avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.41% above avgNationally 2.82%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.41% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.41% above avgNationally 2.82%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 36 Month
$0
4.25%
▲ 1.41% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.41% above avgNationally 2.82%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.31% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.31% above avgNationally 2.82%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD
$0
4.15%
▲ 1.31% above Kentucky avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.84%▲ 1.31% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15%
▲ 1.31% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.84%▲ 1.31% above avgNationally 2.82%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15%
▲ 1.31% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.84%▲ 1.31% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15%
▲ 1.31% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.84%▲ 1.31% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.26% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.26% above avgNationally 2.82%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 Year IRA - Jumbo
$100
4.10%
▲ 1.26% above Kentucky avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.26% above avgNationally 2.82%
Details
Jumbo >100K; Jumbo rate requires a minimum of $100,000
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 36 Months
$500
4.10%
▲ 1.26% above Kentucky avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.84%▲ 1.26% above avgNationally 2.82%
Details
APY* = Annual Percentage Yield; Minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Month Share Certificates
$500
4.08%
▲ 1.24% above Kentucky avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.84%▲ 1.24% above avgNationally 2.82%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 5, 20264.08%▲ from 3.82%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates - 36 months
$500
4.08%
▲ 1.24% above Kentucky avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.84%▲ 1.24% above avgNationally 2.82%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 15, 20264.08%▲ from 3.82%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 Year CESA
$100
4.04%
▲ 1.20% above Kentucky avg
▼
Rate4.04%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.20% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 4.04% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 Year IRA
$100
4.04%
▲ 1.20% above Kentucky avg
▼
Rate4.04%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.20% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 4.04% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 Year ROTH
$100
4.04%
▲ 1.20% above Kentucky avg
▼
Rate4.04%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.20% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 4.04% APY · checked 2 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
IRA Fixed 36 mo.
$100
4.00%
▲ 1.16% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.16% above avgNationally 2.82%
Details
Rate History
1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 20, 20264.00%▲ from 3.75%
- Sep 8, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Business Standard Share Certificate
$2,500
4.00%
▲ 1.16% above Kentucky avg
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.16% above avgNationally 2.82%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Share Certificate with Rate Bump Option - Jumbo
$0
4.00%
▲ 1.16% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.16% above avgNationally 2.82%
Details
Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Traditional Share Certificate
$0
4.00%
▲ 1.16% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.16% above avgNationally 2.82%
Details
Standard; Minimum balance to earn stated APY: $1,000 Standard. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 36 Month
$0
4.00%
▲ 1.16% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.16% above avgNationally 2.82%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificates
$0
3.90%
▲ 1.06% above Kentucky avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 1.06% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Long Term Deposit - Certificate of Deposit (CDs) - Fixed 36 mo.
$1,000
3.85%
▲ 1.01% above Kentucky avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 1.01% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 3.85% APY
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
36 Month CD
$0
3.78%
▲ 0.94% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.84%▲ 0.94% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Share Certificate with Rate Bump Option
$0
3.75%
▲ 0.91% above Kentucky avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.91% above avgNationally 2.82%
Details
Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month Share/IRA Certificates
$0
3.60%
▲ 0.76% above Kentucky avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.76% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Certificate 36 MONTH
$500
3.56%
▲ 0.72% above Kentucky avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.72% above avgNationally 2.82%
Details
Federally insured by NCUA
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Certificate of Deposit - 36 Months
$0
3.50%
▲ 0.66% above Kentucky avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 10 times
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
36 Month Certificate of Deposit
$500
3.50%
▲ 0.66% above Kentucky avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Sep 7, 2026 · 3.50% APY · checked 8 times
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
36 Month IRA Certificate of Deposit
$500
3.50%
▲ 0.66% above Kentucky avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Sep 7, 2026 · 3.50% APY · checked 9 times
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Share Certificate - 36 month
$500
3.40%
▲ 0.56% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.56% above avgNationally 2.82%
Details
Subject to Change: Weekly
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.40% ▲ 0.30 pts · high 3.40% / low 3.10%
- Oct 10, 20263.40%▲ from 3.10%
- Sep 14, 20263.10%first recorded
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Year CD Special
$500
3.35%
▲ 0.51% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.84%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 Year Share Certificate
$1,000
3.35%
▲ 0.51% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.51% above avgNationally 2.82%
Details
Interest compounded & paid quarterly; As of July 1, 2026
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
IRA Share Certificate (36-month)
$0
3.34%
▲ 0.50% above Kentucky avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.84%▲ 0.50% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 3.34% APY · checked 2 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
36 Month Certificate of Deposit
$0
3.30%
▲ 0.46% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 0.46% above avgNationally 2.82%
Details
Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 9 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
36 Month Individual Retirement Account (IRA)
$0
3.30%
▲ 0.46% above Kentucky avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 0.46% above avgNationally 2.82%
Details
IRA
Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 9 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA 3 Year Fixed
$0
3.30%
▲ 0.46% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.84%▲ 0.46% above avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 3.30% APY
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
36 Month High Yield Certificate
$500
3.30%
▲ 0.46% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.46% above avgNationally 2.82%
Details
High Yield Certificate Account; $500 minimum
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
36 Month Certificate
$500
3.29%
▲ 0.45% above Kentucky avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.84%▲ 0.45% above avgNationally 2.82%
Details
Certificate Rates effective 07/01/2025
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate - 36 Month
$0
3.29%
▲ 0.45% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.45% above avgNationally 2.82%
Details
Rate History
No change since Sep 21, 2026 · 3.29% APY · checked 4 times
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificate - 36 Month
$0
3.29%
▲ 0.45% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.45% above avgNationally 2.82%
Details
Rate History
No change since Sep 21, 2026 · 3.29% APY · checked 4 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 36 Month
$0
3.29%
▲ 0.45% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.84%▲ 0.45% above avgNationally 2.82%
Details
Regular Accounts minimum balance to earn APY; Education Savings minimum: $500.00; Roth or Traditional IRAs minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
Magnolia Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.97%
Certificate of Deposit - 36 Month
$500
3.25%
▲ 0.41% above Kentucky avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.84%▲ 0.41% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Gradyville 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: 5.31%
Traditional 48 Month Certificate
$500
4.45%
▲ 1.82% above Kentucky avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.82% above avgNationally 2.82%
Details
Substantial penalties apply for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
1 change since Sep 30, 2026 · 3.75% → 4.45% ▲ 0.70 pts · high 4.45% / low 3.75%
- Oct 1, 20264.45%▲ from 3.75%
- Sep 30, 20263.75%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4 Year Certificate of Deposit
$0
4.35%
▲ 1.72% above Kentucky avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 1.72% above avgNationally 2.82%
Details
Rate History
1 change since Sep 18, 2026 · 2.20% → 4.35% ▲ 2.15 pts · high 4.35% / low 2.20%
- Sep 24, 20264.35%▲ from 2.20%
- Sep 18, 20262.20%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
48 Month IRA Certificate
$1,000
4.35%
▲ 1.72% above Kentucky avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.72% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 19, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
48 Month Share Certificate
$1,000
4.35%
▲ 1.72% above Kentucky avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.72% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 19, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
4 Year Certificate of Deposit
$500
4.30%
▲ 1.67% above Kentucky avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 1.67% above avgNationally 2.82%
Details
Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 7 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.62% above Kentucky avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.62% above avgNationally 2.82%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.62% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.62% above avgNationally 2.82%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 48 Month
$0
4.25%
▲ 1.62% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.62% above avgNationally 2.82%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 9, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15%
▲ 1.52% above Kentucky avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.52% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15%
▲ 1.52% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.52% above avgNationally 2.82%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15%
▲ 1.52% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.52% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15%
▲ 1.52% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.52% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 48 Months
$500
4.15%
▲ 1.52% above Kentucky avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 1.52% above avgNationally 2.82%
Details
APY* = Annual Percentage Yield; Minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year CESA
$100
4.09%
▲ 1.46% above Kentucky avg
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 1.46% above avgNationally 2.82%
Details
Jumbo >100K APY: 4.15%; Jumbo rate requires a minimum of $100,000
Rate History
No change since Oct 14, 2026 · 4.09% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year IRA
$100
4.09%
▲ 1.46% above Kentucky avg
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 1.46% above avgNationally 2.82%
Details
Jumbo >100K APY: 4.15%; Jumbo rate requires a minimum of $100,000; New IRA/Roth customers: .25% APY will be added to each term amount
Rate History
No change since Oct 14, 2026 · 4.09% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year ROTH
$100
4.09%
▲ 1.46% above Kentucky avg
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 1.46% above avgNationally 2.82%
Details
Jumbo >100K APY: 4.15%; Jumbo rate requires a minimum of $100,000; New IRA/Roth customers: .25% APY will be added to each term amount
Rate History
No change since Oct 14, 2026 · 4.09% APY · checked 2 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
IRA Fixed 48 mo.
$100
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.82%
Details
Rate History
1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 20, 20264.00%▲ from 3.75%
- Sep 8, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Business Standard Share Certificate
$2,500
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.82%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Share Certificate with Rate Bump Option - Jumbo
$0
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.82%
Details
Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 9, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Traditional Share Certificate
$0
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.82%
Details
Standard; Minimum balance to earn stated APY: $1,000 Standard. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 48 Month
$0
4.00%
▲ 1.37% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.37% above avgNationally 2.82%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 9, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificates
$0
3.95%
▲ 1.32% above Kentucky avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.32% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Long Term Deposit - Certificate of Deposit (CDs) - Fixed 48 mo.
$1,000
3.85%
▲ 1.22% above Kentucky avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 1.22% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 3.85% APY
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Month Share Certificates
$500
3.82%
▲ 1.19% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 1.19% above avgNationally 2.82%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates - 48 months
$500
3.82%
▲ 1.19% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 1.19% above avgNationally 2.82%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Share Certificate with Rate Bump Option
$0
3.75%
▲ 1.12% above Kentucky avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.12% above avgNationally 2.82%
Details
Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10%
- Oct 9, 20263.75%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
48 Month CD
$0
3.68%
▲ 1.05% above Kentucky avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 1.05% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 6 times
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Certificate 48 MONTH
$500
3.67%
▲ 1.04% above Kentucky avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 1.04% above avgNationally 2.82%
Details
Federally insured by NCUA
Rate History
No change since Oct 13, 2026 · 3.67% APY · checked 2 times
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 Month Share/IRA Certificates
$0
3.60%
▲ 0.97% above Kentucky avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.97% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA 4 Year Fixed
$0
3.55%
▲ 0.92% above Kentucky avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.92% above avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
4 Year Certificate
$0
3.50%
▲ 0.87% above Kentucky avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.87% above avgNationally 2.82%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 5 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 48 Month
$0
3.50%
▲ 0.87% above Kentucky avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.87% above avgNationally 2.82%
Details
Regular Accounts minimum balance to earn APY; Education Savings minimum: $500.00; Roth or Traditional IRAs minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4 Year Share Certificate
$1,000
3.40%
▲ 0.77% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.77% above avgNationally 2.82%
Details
Interest compounded & paid quarterly; As of July 1, 2026
Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 2 times
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month Certificate
$500
3.39%
▲ 0.76% above Kentucky avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.76% above avgNationally 2.82%
Details
Certificate Rates effective 07/01/2025
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4 Year CD Special
$500
3.31%
▲ 0.68% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.63%▲ 0.68% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 3.31% APY · checked 2 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
48 Month Certificate of Deposit
$0
3.30%
▲ 0.67% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 0.67% above avgNationally 2.82%
Details
Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 9 times
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
48 Month Individual Retirement Account (IRA)
$0
3.30%
▲ 0.67% above Kentucky avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.63%▲ 0.67% above avgNationally 2.82%
Details
IRA
Rate History
No change since Sep 8, 2026 · 3.30% APY · checked 9 times
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
4-Year Certificate
$0
3.30%
▲ 0.67% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.67% above avgNationally 2.82%
Details
Dividends paid monthly; IRA certificates available for 1, 2, 3 and 4-year terms
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
Share and IRA Certificates - 48 Month
$1,000
3.30%
▲ 0.67% above Kentucky avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.67% above avgNationally 2.82%
Details
Compounds Daily; Dividends Paid Monthly; Minimum opening balance and to earn APY: $1,000.00
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Share Certificate - 48 month
$500
3.30%
▲ 0.67% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.67% above avgNationally 2.82%
Details
Subject to Change: Weekly
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 10, 20263.30%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
48 Month CD Monthly
$500
3.25%
▲ 0.62% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 0.62% above avgNationally 2.82%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4 Year Certificate
$0
3.25%
▲ 0.62% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.62% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
Certificate - 4 Year
$500
3.25%
▲ 0.62% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.62% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
48 Month CD Quarterly
$500
3.24%
▲ 0.61% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 0.61% above avgNationally 2.82%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 7 times
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificate (48 month)
$0
3.24%
▲ 0.61% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.63%▲ 0.61% above avgNationally 2.82%
Details
Rate History
No change since Sep 21, 2026 · 3.24% APY · checked 6 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
48 Month CD Semi-Annually
$500
3.23%
▲ 0.60% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 0.60% above avgNationally 2.82%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.23% APY · checked 7 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
48 Month CD
$500
3.20%
▲ 0.57% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.63%▲ 0.57% above avgNationally 2.82%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
48 Month High Yield Certificate
$500
3.15%
▲ 0.52% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.52% above avgNationally 2.82%
Details
High Yield Certificate Account; $500 minimum
Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate - 48 Month
$0
3.13%
▲ 0.50% above Kentucky avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.50% above avgNationally 2.82%
Details
Rate History
No change since Sep 21, 2026 · 3.13% APY · checked 4 times
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Share Certificate - 48 Month
$0
3.13%
▲ 0.50% above Kentucky avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.63%▲ 0.50% above avgNationally 2.82%
Details
Rate History
No change since Sep 21, 2026 · 3.13% APY · checked 4 times
Gradyville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5 Year Certificate of Deposit
$0
4.50%
▲ 1.70% above Kentucky avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.70% above avgNationally 2.93%
Details
Rate History
1 change since Sep 18, 2026 · 2.25% → 4.50% ▲ 2.25 pts · high 4.50% / low 2.25%
- Sep 24, 20264.50%▲ from 2.25%
- Sep 18, 20262.25%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Individual Retirement Account - Fixed Rate - 60 Months
$0
4.50%
▲ 1.70% above Kentucky avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.70% above avgNationally 2.93%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Traditional 60 Month Certificate
$500
4.50%
▲ 1.70% above Kentucky avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.70% above avgNationally 2.93%
Details
Substantial penalties apply for early withdrawal; Certificates (Regular, Traditional IRA, and Roth IRA)
Rate History
1 change since Sep 30, 2026 · 3.80% → 4.50% ▲ 0.70 pts · high 4.50% / low 3.80%
- Oct 1, 20264.50%▲ from 3.80%
- Sep 30, 20263.80%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
60 Month Bump-Up Share Certificate
$5,000
4.35%
▲ 1.55% above Kentucky avg
▼
Rate4.27%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.55% above avgNationally 2.93%
Details
Bump-Up Share Certificate
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 19, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
5 Year Certificate of Deposit
$500
4.30%
▲ 1.50% above Kentucky avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.50% above avgNationally 2.93%
Details
Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 7 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
5 Year IRA - Jumbo >100K
$100
4.25%
▲ 1.45% above Kentucky avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.93%
Details
Jumbo >100K APY; Jumbo rate requires a minimum of $100,000
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25%
▲ 1.45% above Kentucky avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25%
▲ 1.45% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.93%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25%
▲ 1.45% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.93%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25%
▲ 1.45% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.93%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Business Jumbo Share Certificate
$35,000
4.25%
▲ 1.45% above Kentucky avg
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.93%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Traditional Jumbo Share Certificate
$0
4.25%
▲ 1.45% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.93%
Details
Jumbo; Minimum balance to earn stated APY: $35,000 Jumbo. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.25% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 60 Month
$0
4.25%
▲ 1.45% above Kentucky avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.93%
Details
Jumbo tier; Minimum balance required to open account and earn the stated APY= $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 9, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 60 Months
$500
4.20%
▲ 1.40% above Kentucky avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.80%▲ 1.40% above avgNationally 2.93%
Details
APY* = Annual Percentage Yield; Minimum $500 deposit for standard certificates
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
5 Year CESA
$100
4.18%
▲ 1.38% above Kentucky avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.38% above avgNationally 2.93%
Details
Standard rate; Time Deposit
Rate History
No change since Oct 14, 2026 · 4.18% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
5 Year IRA
$100
4.18%
▲ 1.38% above Kentucky avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.38% above avgNationally 2.93%
Details
Standard rate; Time Deposit
Rate History
No change since Oct 14, 2026 · 4.18% APY · checked 2 times
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
5 Year ROTH
$100
4.18%
▲ 1.38% above Kentucky avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.38% above avgNationally 2.93%
Details
Standard rate; Time Deposit
Rate History
No change since Oct 14, 2026 · 4.18% APY · checked 2 times
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
IRA Fixed 60 mo.
$100
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.93%
Details
Rate History
1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 20, 20264.00%▲ from 3.75%
- Sep 8, 20263.75%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Business Standard Share Certificate
$2,500
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.93%
Details
Dividends compounded & paid monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Share Certificate with Rate Bump Option - Jumbo
$0
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.93%
Details
Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $35,000/Jumbo
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
- Oct 9, 20264.00%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Traditional Share Certificate
$0
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.93%
Details
Standard; Minimum balance to earn stated APY: $1,000 Standard. Table heading unconfirmed in page context; rates from SOURCE CONTENT table; Traditional/Roth IRA Share Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 60 Month
$0
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.93%
Details
Standard tier; Minimum balance required to open account and earn the stated APY= $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
- Oct 9, 20264.00%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Month Certificates
$0
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90%
▲ 1.10% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.10% above avgNationally 2.93%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85%
▲ 1.05% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.05% above avgNationally 2.93%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Long Term Deposit - Certificate of Deposit (CDs) - Fixed 60 mo.
$1,000
3.85%
▲ 1.05% above Kentucky avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 1.05% above avgNationally 2.93%
Details
Rate History
No change since Oct 20, 2026 · 3.85% APY
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
60 Month Share Certificates
$500
3.82%
▲ 1.02% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.80%▲ 1.02% above avgNationally 2.93%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates - 60 months
$500
3.82%
▲ 1.02% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.80%▲ 1.02% above avgNationally 2.93%
Details
Add .10% to the rate for an amount of $50,000 to $74,999.99; Add .20% to the rate for an amount of $75,000 and over
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 17, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Certificate 60 MONTH
$500
3.82%
▲ 1.02% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 1.02% above avgNationally 2.93%
Details
Federally insured by NCUA
Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Share Certificate with Rate Bump Option
$0
3.75%
▲ 0.95% above Kentucky avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 0.95% above avgNationally 2.93%
Details
Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Minimum balance to open and earn stated APY: $500/Standard
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.75% ▲ 0.55 pts · high 3.75% / low 3.20%
- Oct 9, 20263.75%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
60 Month CD
$0
3.68%
▲ 0.88% above Kentucky avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 0.88% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 6 times
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
60 Month Share/IRA Certificates
$0
3.60%
▲ 0.80% above Kentucky avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 0.80% above avgNationally 2.93%
Details
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA 5 Year Fixed
$0
3.55%
▲ 0.75% above Kentucky avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.80%▲ 0.75% above avgNationally 2.93%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - 60 Month
$1,000
3.50%
▲ 0.70% above Kentucky avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.93%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5 Year Certificate
$0
3.50%
▲ 0.70% above Kentucky avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.93%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 5 times
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
5 Year Certificate
$0
3.50%
▲ 0.70% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
5 Year IRA (Traditional/Roth)
$0
3.50%
▲ 0.70% above Kentucky avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.93%
Details
IRA share certificate; available in terms 6 months thru 5 years
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5 Year Share Certificate
$1,000
3.50%
▲ 0.70% above Kentucky avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.93%
Details
Interest compounded & paid quarterly; As of July 1, 2026
Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 60 Month
$0
3.50%
▲ 0.70% above Kentucky avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.93%
Details
Regular Accounts minimum balance to earn APY; Education Savings minimum: $500.00; Roth or Traditional IRAs minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
60 Month Certificate
$500
3.49%
▲ 0.69% above Kentucky avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Kentucky Average2.80%▲ 0.69% above avgNationally 2.93%
Details
Certificate Rates effective 07/01/2025
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 7 times
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
Share and IRA Certificates - 60 Month
$1,000
3.41%
▲ 0.61% above Kentucky avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 0.61% above avgNationally 2.93%
Details
Compounds Daily; Dividends Paid Monthly; Minimum opening balance and to earn APY: $1,000.00
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 2 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
60 Month CD Monthly
$500
3.35%
▲ 0.55% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 0.55% above avgNationally 2.93%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
Certificate - 5 Year
$500
3.35%
▲ 0.55% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 0.55% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
60 Month CD Quarterly
$500
3.34%
▲ 0.54% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 0.54% above avgNationally 2.93%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
60 Month CD Semi-Annually
$500
3.33%
▲ 0.53% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 0.53% above avgNationally 2.93%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 7 times
Bank of Edmonson County
Institution Rating:
A5.0 ★Texas Ratio: 12.94%
60 Month CD
$500
3.30%
▲ 0.50% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 0.50% above avgNationally 2.93%
Details
Rates as of October 14, 2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5 Year CD Special
$500
3.29%
▲ 0.49% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 0.49% above avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 3.29% APY · checked 2 times
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Certificate of Deposit - 60 Months
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.93%
Details
Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 10 times
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Share Certificate - 60 month
$500
3.20%
▲ 0.40% above Kentucky avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 0.40% above avgNationally 2.93%
Details
Subject to Change: Weekly
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00%
- Oct 10, 20263.20%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate - 60 Month
$0
3.18%
▲ 0.38% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kentucky Average2.80%▲ 0.38% above avgNationally 2.93%
Details
Rate History
No change since Sep 21, 2026 · 3.18% APY · checked 4 times
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MonitorBankRates
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.
Gradyville, KY CD Rate Trends
Compare local Gradyville, KY 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
3.044%
▲ 0.002 vs 7 days ago
Kentucky 12-month CD rates rose 0.002 points over the past 7 days to 3.044% APY.
6-Month CD KY Avg
2.631%
▼ 0.019 vs 7 days ago
Kentucky 6-month CD rates fell 0.019 points over the past 7 days to 2.631% APY.
As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions
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KY CD Rate Forecast, Next 12 Months
Where are Kentucky CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KY 12-Month Avg APY
3.044%
6-Month Forecast
3.044%
Range: 2.84%, 3.19%
12-Month Forecast
3.294%
Range: 3.09%, 3.44%
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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 | 1.685% | $84.23 | $168.46 | $421.15 | $842.30 |
| 6-Month CD | 2.631% | $131.57 | $263.13 | $657.83 | $1,315.65 |
| 12-Month CD | 3.044% | $152.21 | $304.43 | $761.07 | $1,522.15 |
| 18-Month CD | 2.769% | $138.47 | $276.93 | $692.32 | $1,384.65 |
| 24-Month CD | 2.913% | $145.64 | $291.28 | $728.20 | $1,456.40 |
| 36-Month CD | 2.838% | $141.89 | $283.78 | $709.45 | $1,418.90 |
| 48-Month CD | 2.627% | $131.35 | $262.70 | $656.75 | $1,313.50 |
| 60-Month CD | 2.797% | $139.85 | $279.69 | $699.23 | $1,398.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 20, 2026. | |||||
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Sample CD Ladder for Gradyville, 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 | 1.685% | $84.23 |
| 2 | 6-Month CD | $5,000 | 2.631% | $131.57 |
| 3 | 12-Month CD | $5,000 | 3.044% | $152.21 |
| 4 | 24-Month CD | $5,000 | 2.913% | $145.64 |
| 5 | 36-Month CD | $5,000 | 2.838% | $141.89 |
| Total ($25,000 invested) | $25,000 | 2.622% blended | $655.54/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.
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794
CD Rates
Tracked in Gradyville, Kentucky
Tracked in Gradyville, Kentucky
43 Banks
40 Credit Unions
About Our Gradyville, Kentucky CD Rate Database
MonitorBankRates tracks 794 CD rates from 43 banks and 40 credit unions with locations in Gradyville, 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 to 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 5.25% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Gradyville, Kentucky.
How to Find the Best CD Rates in Gradyville, Kentucky
What to compare when shopping for a CD in Gradyville, Kentucky
To find the best APYs in Gradyville, Kentucky, start with credit unions and online-only banks: Gradyville, Kentucky has 40 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 Gradyville, 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 Gradyville, Kentucky: 83 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Gradyville, Kentucky savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Gradyville, Kentucky money market rates
Kentucky Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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
$124/yr
At KY 12-mo avg 3.044% 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 3.044%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $124 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 Gradyville, 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 to 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 Gradyville, 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 Gradyville, 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 Gradyville, Kentucky as everywhere in the U.S.
Choosing a CD Term in Gradyville, 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 Gradyville, Kentucky savers easier access to their funds. For example, Y-12 Federal Credit Union is offering its 6 Month Business Share Certificate PROMO at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Central Bank & Trust Company is offering its 5 Year Certificate of Deposit at 4.50% 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 Gradyville, 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 Gradyville, 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 Gradyville, 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 Gradyville, 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 Gradyville, Kentucky
Most CDs carry a fixed rate that is locked for the entire term, protecting a Gradyville, 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 Gradyville, Kentucky
Are CD rates in Gradyville, Kentucky FDIC insured?
Yes, most established banks in Gradyville, 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 Gradyville, 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 Gradyville, 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 Gradyville, 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 Gradyville, Kentucky?
Here are recent top rates found for this area:
- Commonwealth Credit Union Frankfort, KY: 5.25% APY (Traditional Grow with Me 12-Month Certificate)
- Y-12 Federal Credit Union: 4.75% APY (12 Month Business Share Certificate PROMO)
- Central Bank & Trust Company: 4.50% APY (5 Year Certificate of Deposit)
- Louisville Federal Credit Union: 4.50% APY (1 Year Share Certificate)
- SFGI Direct: 4.40% APY (18-Month CD)
- Banterra Bank: 4.40% APY (36-Month CD)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Lincoln Bank of Hodgenville: 4.35% APY (18 Month Certificate of Deposit)
- CLASS ACT: 4.35% APY (36 Month IRA Certificate)
- Louisville Gas & Electric Company Credit Union: 4.33% APY (6 Month Certificate)
Rates reflect recent verified offers available in Gradyville, Kentucky. Last Updated: October 20, 2026
Gradyville, Kentucky CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Gradyville, Kentucky rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Gradyville, Kentucky
Gradyville, Kentucky CD Calculator
At today’s KY top rate of 5.25% APY, a $10,000 deposit earns $525 in the first year. Enter your amount to see your exact return.
Gradyville, Kentucky CD LadderKY CD rates currently range from 1.685% (3-month) to 2.838% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Gradyville, Kentucky CD at 5.25% APY, know your exit cost. Most institutions charge 90 to 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 3.044% 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 Gradyville, 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 Gradyville, 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 Gradyville, 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: October 20, 2026
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