Grayson, Kentucky CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Grayson, Kentucky CD rates include Members Choice Credit Union Ashland, KYMembers Choice Credit Union Ashland, KYA5.0 ★Texas Ratio: 7.39%Real return: +0.61%APY minus CPI (February 2026) offering 60 Months IRA Certificates at 3.41% APY, FNB of GraysonFNB of Grayson200 S Carol Malone Blvd, Grayson, KY 41143A+5.0 ★Texas Ratio: 3.44%Real return: -0.55%APY minus CPI (February 2026) offering 3 Year Fixed Rate Jumbo IRA at 2.25% APY, Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KYA+5.0 ★Texas Ratio: 2.66%Real return: +2.10%APY minus CPI (February 2026) offering Grow with Me 12-Month Certificate at 4.90% APY, Louisville Federal Credit UnionLouisville Federal Credit UnionA+5.0 ★Texas Ratio: 1.06%Real return: +1.70%APY minus CPI (February 2026) offering 6 Months Share Certificates at 4.50% APY, and CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 0.00%Real return: +1.35%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.15% APY. CD rates as of May 15, 2026 according to verified data from MonitorBankRates.
Grayson has 35 local institutions in our database, with CD rates as high as 3.41% APY from Members Choice Credit Union Ashland, KY at 1315 CANNONSBURG RD, ASHLAND, KY 41102. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Kentucky area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 15, 2026
Compare Best CD Rates in Grayson, Kentucky & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Month Certificate
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
91 Day (3 Month) Certificates of Deposit & Individual Retirement Account
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
3 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
3-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 3-Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
3 months Share Certificate and IRA Certificate Accounts
$500
2.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
90 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular Accounts
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
90 Day
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 months CD
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Month Certificates of Deposits
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
TruBlue 3 Months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate of Deposit 3 Months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
6 Month Fixed IRA
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
6 Month Certificate
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Mo. Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Months Share Certificates
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular Accounts
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6 months Certificates (Regular, Traditional IRA, and Roth IRA)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
New money only, not funds currently on deposit with Commonwealth Credit Union
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6-month Jumbo Certificate Certificates (Regular, Traditional IRA, and Roth IRA)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 6 Month
$1,000
4.00%
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$1,000
4.00%
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
6-month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6 months Certificates (Regular, Traditional IRA, and Roth IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
6-Months Share/IRA Certificates
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share/IRA Certificates 6-Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
6 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
6-Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 6-Month Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6 Month Certificate of Deposit Accounts
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
New Money Only
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates 6 Month
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA Share Certificates 6 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 6 Month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month Certificates of Deposits
$1,000
3.25%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 6 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6 month IRA Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Traditional 6-Month Term
$500
2.75%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
6 months Share Certificate and IRA Certificate Accounts
$500
2.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
Add-On Certificate (6 month)
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
6 Month
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 months CD
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
180 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
TruBlue 6 Months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
6 Months
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
DreamBuilder 6 Month Certificate
$100
0.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate of Deposit 6 Months
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
182 Day (6 Month) Certificates of Deposit & Individual Retirement Account
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12 Months IRA Certificates
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
1 Year Fixed Rate Jumbo IRA
$100,000
1.75%
▼
Rate1.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
1 Year Jumbo Certificate
$100,000
1.75%
▼
Rate1.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
1 Year Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
1 Year Fixed IRA
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Grow with Me 12-Month Certificate
$250
4.90%
▼
Rate4.79%
Min Deposit$250
Min Balance—
UpdatedMay 10, 2026
Details
This account is available only for members under 18 years of age.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 12 Month
$1,000
4.15%
▼
Rate4.08%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Individual Retirement Account (IRA)
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Certificate of Deposit
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
12-month Jumbo Certificate Certificates (Regular, Traditional IRA, and Roth IRA)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1 Year Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
12 months Certificates (Regular, Traditional IRA, and Roth IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First State Bank Irvington, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12-month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 Month Certificate of Deposit Accounts
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular Accounts
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12 Month IRA Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12 Month Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
12-Months Share/IRA Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share/IRA Certificates 12-Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
1-Year Jumbo Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 1-Year Jumbo Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA Jumbo 1-Year Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 1-Year Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
1-Year Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
12-MONTH IRA (VARIABLE)
$0
3.70%
▼
Rate3.67%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
12 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Monthly
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Quarterly
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Semi-Annually
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Share Certificate (12-month)
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates 12 Month
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
13 Month (1 Year, 1 Month) Certificates of Deposit & Individual Retirement Account
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA Share Certificates 12 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
1 Year CD
$500
3.28%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500 minimum to open.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Traditional/Roth IRA Share Certificates 12 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 12 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 12 Month
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Certificate of Deposit 12 months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
12 Months Share Certificate and IRA Certificate Accounts
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 12 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates IRA 12 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 months CD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12 Month Certificates of Deposits
$1,000
3.00%
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18 Months IRA Certificates
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
18 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
18 Month IRA (Variable Rate)**
$0
3.59%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 months Certificates (Regular, Traditional IRA, and Roth IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 18 Month
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular Accounts
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 18-Month Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
18-Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share/IRA Certificates 18-Months
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
18-Months Share/IRA Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Individual Retirement Account (IRA)
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Certificate of Deposit
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Monthly
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA Share Certificates 18 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
18 Months Share Certificate and IRA Certificate Accounts
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Quarterly
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Semi-Annually
$500
3.28%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 18 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates 18 Month
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates IRA 18 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 18 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 18 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Traditional 18-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
18 Month
$500
2.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
TruBlue 18 Months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA 18 Month Fixed
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA 18 Month Variable
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
18 Months
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
18 Month Certificate of Deposit
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
18 Month IRA (Fixed Rate)
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18 Month Certificates of Deposits
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month IRA Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month IRA Variable Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate of Deposit 18 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
18 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Regular Certificates 18 Months
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Roth & Traditional IRA Certificates 18 Months
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
18 Month (1 1/2 Year) Certificates of Deposit & Individual Retirement Account
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
24 Months IRA Certificates
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Jumbo Certificate
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Bump Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Jumbo Bump Certificate
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Fixed Rate Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Certificate
$500
1.50%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Fixed IRA
$500
1.50%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Bump Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
2 Year Bump IRA
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month IRA Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Limited Time Only
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Certificate of Deposit
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Individual Retirement Account (IRA)
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate of Deposit 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
24 Months Certificates
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 2-Year Jumbo Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA Jumbo 2-Year Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
2-Year Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 2-Year Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
2-Year Jumbo Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
24 months Certificates (Regular, Traditional IRA, and Roth IRA)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Share Certificate (24-month)
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 24 Month
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Traditional/Roth IRA Share Certificates 24 Month
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
24-Months Share/IRA Certificates
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share/IRA Certificates 24-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates IRA 24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA Share Certificates 24 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
24 Months Share Certificate and IRA Certificate Accounts
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month Certificate of Deposit Accounts
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular Accounts
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month IRA Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 24 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates 24 Month
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
2 Year Share Certificates
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2 Year CD
$500
3.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500 minimum to open.
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Monthly
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Quarterly
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Semi-Annually
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Traditional 24-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
24 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
2 Year
$500
2.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
36 Months IRA Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Fixed Rate Jumbo IRA
$100,000
2.25%
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Jumbo Certificate
$100,000
2.25%
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Bump Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Jumbo Bump Certificate
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Bump Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Bump IRA
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
3 Year Fixed IRA
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
36 Months Certificates
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate of Deposit 36 Months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
36 months Certificates (Regular, Traditional IRA, and Roth IRA)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month IRA Certificate of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share/IRA Certificates 36-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Traditional/Roth IRA Share Certificates 36 Month
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
36-Months Share/IRA Certificates
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 36 Month
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Share Certificate (36-month)
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Individual Retirement Account (IRA)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA Share Certificates 36 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
36 Months Share Certificate and IRA Certificate Accounts
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 36 Month
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates IRA 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular Accounts
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates 36 Month
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Year Share Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
3-Year Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 3-Year Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Monthly
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Quarterly
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Semi-Annually
$500
3.12%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
36 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Traditional 36-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 Month Certificate of Deposit Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
3 Year
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 3 Years
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Years Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
TruBlue 3 Years
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Years
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
36 Month Certificates of Deposits
$1,000
2.25%
▼
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
48 Months IRA Certificates
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Fixed Rate Jumbo IRA
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Jumbo Certificate
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
4 Year Fixed IRA
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
48 Months Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
48 months Certificates (Regular, Traditional IRA, and Roth IRA)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular Accounts
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate 48 Month
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share/IRA Certificates 48-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Traditional/Roth IRA Share Certificates 48 Month
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
48-Months Share/IRA Certificates
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 48 Month
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Individual Retirement Account (IRA)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA Share Certificates 48 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
4 Year Share Certificates
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Monthly
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
4 Year
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Quarterly
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Semi-Annually
$500
3.23%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
48 Months Share Certificate and IRA Certificate Accounts
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates IRA 48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
48 month IRA Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Traditional 48 Month Term
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
TruBlue 4 Years
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
4 Years
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 months CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
48 Month Certificates of Deposits
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month IRA Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate of Deposit 48 Months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
48 MONTH
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Certificate of Deposit
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA - 48 Month Certificate of Deposit
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Regular Certificates 48 Months
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Roth & Traditional IRA Certificates 48 Months
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
48 Month (4 Year) Certificates of Deposit & Individual Retirement Account
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
48 Month Certificate of Deposit
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
60 Months IRA Certificates
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
5 Year Jumbo Certificate
$100,000
2.00%
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100,000.00
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
5 Year Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
$500.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
60 Months Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
60 months Certificates (Regular, Traditional IRA, and Roth IRA)
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
60-Months Share/IRA Certificates
$0
3.50%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share/IRA Certificates 60-Months
$0
3.50%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular Accounts
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Standard Share Certificates 60 Month
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Traditional/Roth IRA Share Certificates 60 Month
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5 Year Share Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Monthly
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
5 Year
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Quarterly
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Semi-Annually
$500
3.33%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA Share Certificates 60 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate of Deposit 60 Months
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
IRA 60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates 60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share and IRA Certificates IRA 60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
60 Month Certificate of Deposit Accounts
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
60 Months Share Certificate and IRA Certificate Accounts
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate of Deposit
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Individual Retirement Account (IRA)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
5-Year Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
IRA 5-Year Certificate
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
5 Years Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$1,000
2.90%
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 5 Years
$1,000
2.90%
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
TruBlue 5 Years
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Traditional 60-Month Term
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
60 month IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
5 Years
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 months CD
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
60 Month Certificates of Deposits
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month IRA Certificate of Deposit
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
60 Month Certificate of Deposit
$1,000
0.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
60 MONTH
$1,000
0.45%
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA - 60 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
60 Month (5 Year) Certificates of Deposit & Individual Retirement Account
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Grayson, Kentucky at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Grayson depositors is 3.41% APY from Members Choice Credit Union Ashland, KY. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Grayson, KY CD Rate Trends
Compare local Grayson, 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
2.605%
▲ 0.075 vs 7 days ago
Kentucky 12-month CD rates rose 0.075 points over the past 7 days to 2.605% APY.
6-Month CD — KY Avg
2.400%
▲ 0.065 vs 7 days ago
Kentucky 6-month CD rates rose 0.065 points over the past 7 days to 2.400% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
KY CD Rate Forecast — Next 12 Months
Where are Kentucky CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KY 12-Month Avg APY
2.605%
6-Month Forecast
2.605%
Range: 2.41% – 2.76%
12-Month Forecast
2.355%
Range: 2.16% – 2.51%
Powered by
MonitorBankRates
What Your Savings Earn at KY CD Rates Today
Annual interest earnings at today’s Kentucky average APYs. State average used where available; national average as fallback.
| CD Term | KY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.101% | $55.05 | $110.09 | $275.23 | $550.45 |
| 6-Month CD | 2.400% | $120.01 | $240.02 | $600.05 | $1,200.10 |
| 12-Month CD | 2.605% | $130.25 | $260.49 | $651.23 | $1,302.45 |
| 18-Month CD | 2.540% | $126.98 | $253.95 | $634.88 | $1,269.75 |
| 24-Month CD | 2.622% | $131.09 | $262.17 | $655.43 | $1,310.85 |
| 36-Month CD | 2.436% | $121.78 | $243.56 | $608.90 | $1,217.80 |
| 48-Month CD | 2.487% | $124.35 | $248.69 | $621.73 | $1,243.45 |
| 60-Month CD | 2.475% | $123.74 | $247.48 | $618.70 | $1,237.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 15, 2026. | |||||
Sample CD Ladder for Grayson, 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 | 1.101% | $55.05 |
| 2 | 6-Month CD | $5,000 | 2.400% | $120.01 |
| 3 | 12-Month CD | $5,000 | 2.605% | $130.25 |
| 4 | 24-Month CD | $5,000 | 2.622% | $131.09 |
| 5 | 36-Month CD | $5,000 | 2.436% | $121.78 |
| Total ($25,000 invested) | $25,000 | 2.233% blended | $558.18/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.
353
CD Rates
Tracked in Grayson, Kentucky
Tracked in Grayson, Kentucky
24 Banks
22 Credit Unions
About Our Grayson, Kentucky CD Rate Database
MonitorBankRates tracks 353 CD rates from 24 banks and 22 credit unions with locations in Grayson, Kentucky, plus national online institutions available to Kentucky residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Members Choice Credit Union Ashland, KY offers a CD at 3.41% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Grayson, Kentucky.
How to Find the Best CD Rates in Grayson, Kentucky
What to compare when shopping for a CD in Grayson, Kentucky
To find the best APYs in Grayson, Kentucky, start with credit unions and online-only banks — Grayson, Kentucky has 22 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 Grayson, 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 Grayson, Kentucky — 46 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Grayson, Kentucky savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Grayson, Kentucky money market rates
Grayson, Kentucky Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$21,796
National avg: $47,340
Poverty Rate
37.9%
National avg: 11.1%
Unemployment Rate
7.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$57/yr
At KY 12-mo avg 2.605% APY
16.7% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 7.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s KY 12-month CD average of 2.605%, saving 10% of the local median salary ($2,179/year) and putting it in a CD would earn an additional $57 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 Grayson, Kentucky
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Grayson, Kentucky
Are CD rates in Grayson, Kentucky FDIC insured?
Yes, most established banks in Grayson, 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 Grayson, 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 Grayson, 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 Grayson, 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 Grayson, Kentucky?
Here are recent top rates found for this area:
- Members Choice Credit Union Ashland, KY: 3.41% APY (60 Months IRA Certificates)
- FNB of Grayson: 2.25% APY (3 Year Fixed Rate Jumbo IRA)
- Commonwealth Credit Union Frankfort, KY: 4.90% APY (Grow with Me 12-Month Certificate)
- Louisville Federal Credit Union: 4.50% APY (6 Months Share Certificates)
- CLASS ACT: 4.15% APY (IRA Certificate 12 Month)
- American Bank & Trust Co, Inc.: 4.10% APY (12 Month Individual Retirement Account (IRA))
- C-Plant Federal Credit Union: 4.07% APY (24 Month Certificate)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- KUE Federal Credit Union: 4.00% APY (6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA)
- Meade County Bank: 4.00% APY (6-month Certificate of Deposit)
Rates reflect recent verified offers available in Grayson, Kentucky. Last Updated: May 15, 2026
CD Calculators for Grayson, Kentucky
Grayson, Kentucky CD Calculator
At today’s KY top rate of 3.41% APY, a $10,000 deposit earns $341 in the first year. Enter your amount to see your exact return.
Grayson, Kentucky CD LadderKY CD rates currently range from 1.101% (3-month) to 2.436% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Grayson, Kentucky CD at 3.41% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsKentucky’s average 12-month CD is 2.605% 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 Grayson, 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 Grayson, 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 Grayson, 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: May 15, 2026
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