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CD Rate Trends

Louisville, Kentucky Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Louisville, Kentucky CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 14, 2026. Current Louisville, Kentucky CD rates include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY3704 Frankfort Ave, Louisville, KY 40207A+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, Central Bank & Trust CompanyCentral Bank & Trust Company4630 Taylorsville Rd, Louisville, KY 40220A+5.0 ★Texas Ratio: 1.26%Real return: +1.70%APY minus CPI (February 2026) offering Certificate of Deposit - 5 Years at 4.50% APY, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900A+5.0 ★Texas Ratio: 1.10%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificate - 1 Year at 4.50% APY, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit Union820 W Broadway, Louisville, KY 40202A+5.0 ★Texas Ratio: 2.50%Real return: +1.53%APY minus CPI (February 2026) offering 6 Month Certificate at 4.33% APY, and Republic Bank & Trust CompanyRepublic Bank & Trust Company601 W Market St, Louisville, KY 40202A+5.0 ★Texas Ratio: 2.91%Real return: +1.45%APY minus CPI (February 2026) offering 60 Month CD at 4.25% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Louisville has 271 local institutions in our database, with CD rates as high as 5.25% APY from Commonwealth Credit Union Frankfort, KY at 3704 Frankfort Ave, Louisville, KY 40207. 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, 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 14, 2026

Compare Best CD Rates in Louisville, Kentucky & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Louisville 3 Month CD Rates

Kentucky 3 Month CD Average1.79% APYNational 2.09%▲ 0.02% from last week
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%
3400 Dutchmans Ln, Louisville, KY 40205
3 Month CD
$0
4.07% ▲ 2.28% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average1.79%▲ 2.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
Certificate of Deposit 3 Month
$500
2.00% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
90 Day Share Certificate
$500
2.00% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Subject to change: Weekly; Excludes Jumbo Share Certificates

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
3 Month Certificate
$0
1.50% ▼ 0.29% below Kentucky avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average1.79%▼ 0.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
3 Month Share Certificate - Regular Accounts
$0
1.26% ▼ 0.53% below Kentucky avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 0.53% below avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 22, 2026: 1.26% APYSep 22, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
3 Month Certificate
$1,000
1.25% ▼ 0.54% below Kentucky avg
View
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 0.54% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
3 Month Certificate
$1,000
0.10% ▼ 1.69% below Kentucky avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 1.69% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 3 months
$1,000
0.10% ▼ 1.69% below Kentucky avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 1.69% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
3 Month Certificate of Deposit
$0
0.03% ▼ 1.76% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.76% below avgNationally 2.09%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
3 Month Certificate of Deposit
$0
0.02% ▼ 1.77% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.77% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
3 Month Certificate of Deposit
$0
0.01% ▼ 1.78% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.78% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 3 Months
$500
3.90% ▲ 2.11% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▲ 2.11% above avgNationally 2.09%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 14, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Certificate - 3 Months
$0
3.65% ▲ 1.86% above Kentucky avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▲ 1.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
3-Month Certificate
$0
3.55% ▲ 1.76% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 1.76% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Business 3-Month Certificate
$0
3.55% ▲ 1.76% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 1.76% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Certificates - 3-Month Certificate
$0
3.55% ▲ 1.76% above Kentucky avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 1.76% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
CD Specials - 3 Months
$2,000
3.50% ▲ 1.71% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 1.71% above avgNationally 2.09%
Details

Early withdrawal penalty: 45 Days; Effective September 22, 2026; Public Funds ineligible for promotional CD rates

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Share Certificate - 3 Month
$0
2.75% ▲ 0.96% above Kentucky avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▲ 0.96% above avgNationally 2.09%
Details

$500 Minimum tier

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
First Guaranty Bank
Institution Rating:
C3.8 ★Texas Ratio: 25.51%
Fixed Rate CDs - 90 Day
$500
2.70% ▲ 0.91% above Kentucky avg
View
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 0.91% above avgNationally 2.09%
Details

Interest Rate 2.70%; APY 2.70%

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 14, 2026
Bank of Maysville
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month CD
$0
2.53% ▲ 0.74% above Kentucky avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▲ 0.74% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 14, 2026
Bank of Maysville
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Fixed IRA Certificate
$0
2.53% ▲ 0.74% above Kentucky avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▲ 0.74% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 14, 2026
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
3 Month Short Term Deposit - Certificate of Deposit (CDs)
$1,000
2.50% ▲ 0.71% above Kentucky avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 0.71% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 14, 2026
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
3 Month High Yield Certificate
$500
2.05% ▲ 0.26% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▲ 0.26% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 13, 2026: 2.05% APYOct 13, 2026Oct 14, 2026
American Bank & Trust Co, Inc.
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
90 Day Certificate of Deposit
$0
2.00% ▲ 0.21% above Kentucky avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 8, 2026: 2.00% APYSep 8, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.24% below Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 0.24% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.29% below Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 0.29% below avgNationally 2.09%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 14, 2026
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
3 Month Jumbo Certificate
$100,000
1.25% ▼ 0.54% below Kentucky avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 0.54% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
0.50%1.13%1.75%Sep 14, 2026: 1.00% APYOct 3, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.25%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Citizens National Bank of Lebanon
Institution Rating:
B+4.0 ★Texas Ratio: 0.93%
3 Month Certificate of Deposit
$0
1.10% ▼ 0.69% below Kentucky avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 0.69% below avgNationally 2.09%
Details

Regular Certificates of Deposit

Rate History
No change since Sep 9, 2026 · 1.10% APY · checked 6 times
0.60%1.10%1.60%Sep 9, 2026: 1.10% APYSep 9, 2026Oct 14, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
3 Month Share and IRA Certificates
$1,000
0.70% ▼ 1.09% below Kentucky avg
View
▼
Rate0.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▼ 1.09% below avgNationally 2.09%
Details

Not Available for IRAs; Compounds: Daily; Dividends Paid: Monthly; Rates fixed for the term; Penalty for withdrawal is 90 days of dividends

Rate History
No change since Oct 13, 2026 · 0.70% APY
0.20%0.70%1.20%Oct 13, 2026: 0.70% APYOct 13, 2026Oct 14, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
90 Day Certificate
$500
0.50% ▼ 1.29% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
3 Month Certificate
$500
0.45% ▼ 1.34% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 1.34% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 0.35% → 0.45% ▲ 0.10 pts · high 0.45% / low 0.35%
0.00%0.48%0.95%Sep 14, 2026: 0.35% APYOct 3, 2026: 0.45% APYSep 14, 2026Oct 14, 2026
  • 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%
3 Month CD
$1,000
0.40% ▼ 1.39% below Kentucky avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.39% below avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
Murray Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.52%
3 Month Certificates of Deposits
$1,000
0.30% ▼ 1.49% below Kentucky avg
View
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.49% below avgNationally 2.09%
Details

Compound Frequency: At Maturity; Early Withdrawal Penalty: 1 Month

Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 24, 2026: 0.30% APYSep 24, 2026Oct 14, 2026
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
Certificate Accounts - 3 Months
$0
0.25% ▼ 1.54% below Kentucky avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average1.79%▼ 1.54% below avgNationally 2.09%
Details

Effective Date: 9/1/2026; Regular Rate and Regular APY*

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Kentucky Farmers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month CD
$1,000
0.20% ▼ 1.59% below Kentucky avg
View
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.59% below avgNationally 2.09%
Details

Compounds: Maturity

Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 30, 2026: 0.20% APYSep 30, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 MONTH CD
$500
0.10% ▼ 1.69% below Kentucky avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.69% below avgNationally 2.09%
Details

Published APY range: 0.10-0.15%. Jumbo >100K rate: .15%; Jumbo rate requires a minimum of $100,000

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 14, 2026
Bank of Buffalo
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3 Month Certificate of Deposit
$500
0.10% ▼ 1.69% below Kentucky avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.69% below avgNationally 2.09%
Details

Rates effective October 6, 2026

Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Individual Retirement Accounts (IRAs) - Fixed 3 mo.
$100
0.05% ▼ 1.74% below Kentucky avg
View
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average1.79%▼ 1.74% below avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Month Business Share Certificates
$0
0.05% ▼ 1.74% below Kentucky avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average1.79%▼ 1.74% below avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026

Louisville 6 Month CD Rates

Kentucky 6 Month CD Average2.65% APYNational 2.77%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 6 Months
$1,000
4.50% ▲ 1.85% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.85% above avgNationally 2.77%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
6 Month Certificate
$0
4.33% ▲ 1.68% above Kentucky avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.65%▲ 1.68% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
3704 Frankfort Ave, Louisville, KY 40207
Traditional 6-month Jumbo Certificate
$75,000
4.25% ▲ 1.60% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 1.60% above avgNationally 2.77%
Details

Jumbo Certificate; $75,000 minimum balance; penalties for early withdrawal; auto-renews to a Jumbo Certificate with same term at standard Jumbo rates; Certificates (Regular, Traditional IRA, and Roth IRA)

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 14, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Certificates - 6 months
$500
4.25% ▲ 1.60% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 1.60% above avgNationally 2.77%
Details

New money only, not funds currently on deposit with Commonwealth Credit Union; Certificates (Regular, Traditional IRA, and Roth IRA)

Rate History
No change since Sep 30, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 30, 2026: 4.25% APYSep 30, 2026Oct 14, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Certificates - 6 months
$500
4.15% ▲ 1.50% above Kentucky avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 1.50% above avgNationally 2.77%
Details

Certificates (Regular, Traditional IRA, and Roth IRA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
3400 Dutchmans Ln, Louisville, KY 40205
6 Month CD
$0
4.07% ▲ 1.42% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.42% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
6 Month Share Certificate - Regular Accounts
$0
4.06% ▲ 1.41% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 1.41% above avgNationally 2.77%
Details

Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
6 Month CD
$0
4.00% ▲ 1.35% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
6 Month Certificate of Deposit
$1,000
4.00% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.77%
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
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
6-Month IRA
$1,000
4.00% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.77%
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
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 1.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.77%
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%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
6 Month IRA Certificate
$500
3.80% ▲ 1.15% above Kentucky avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 1.15% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
6 Month Share Certificate
$500
3.80% ▲ 1.15% above Kentucky avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 1.15% above avgNationally 2.77%
Details

Effective Date: 8/3/2026

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
Certificates of Deposit - 6 Month
$1,000
3.70% ▲ 1.05% above Kentucky avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 1.05% above avgNationally 2.77%
Details

Partial withdrawals allowed; $100,000 maximum deposit per CD product; automatically renewable

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 6 MONTH
$500
3.55% ▲ 0.90% above Kentucky avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.90% above avgNationally 2.77%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Individual Retirement Account Fixed Rate - 6 Months
$0
3.50% ▲ 0.85% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 0.85% above avgNationally 2.77%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
6 Month Certificate
$1,000
3.50% ▲ 0.85% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 0.85% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 6 months
$1,000
3.50% ▲ 0.85% above Kentucky avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 0.85% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Share Certificates - 6 Month
$500
3.49% ▲ 0.84% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.84% above avgNationally 2.77%
Details

Rates effective as of October 1, 2026

Rate History
No change since Oct 9, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 9, 2026: 3.49% APYOct 9, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 6 Month
$500
3.09% ▲ 0.44% above Kentucky avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.65%▲ 0.44% above avgNationally 2.77%
Details

Rate History
No change since Sep 21, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Sep 21, 2026: 3.09% APYSep 21, 2026Oct 14, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 6 Month
$500
3.02% ▲ 0.37% above Kentucky avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 0.37% above avgNationally 2.77%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 7 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 14, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
6 Month Share Certificate
$500
3.00% ▲ 0.35% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 0.35% above avgNationally 2.77%
Details

Subject to change: Weekly; Excludes Jumbo Share Certificates

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
6 Month Certificate
$0
2.75% ▲ 0.10% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 0.10% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
6 month IRA Certificate
$0
2.75% ▲ 0.10% above Kentucky avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.65%▲ 0.10% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
6-Month Term Share Certificate
$500
2.75% ▲ 0.10% above Kentucky avg
View
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.65%▲ 0.10% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
Certificate of Deposit 6 Month
$500
2.25% ▼ 0.40% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▼ 0.40% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
IRA 6 Month
$500
2.25% ▼ 0.40% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▼ 0.40% below avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
6 Month Fixed IRA
$1,000
1.50% ▼ 1.15% below Kentucky avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▼ 1.15% below avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
6-Month Certificate
$0
1.50% ▼ 1.15% below Kentucky avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▼ 1.15% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
6 Month Certificate
$1,000
1.45% ▼ 1.20% below Kentucky avg
View
▼
Rate1.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▼ 1.20% below avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 1.45% APY · checked 4 times
0.95%1.45%1.95%Sep 25, 2026: 1.45% APYSep 25, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
6 Month Certificate of Deposit
$0
0.03% ▼ 2.62% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▼ 2.62% below avgNationally 2.77%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 6 Months
$250
0.03% ▼ 2.62% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▼ 2.62% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
6 Month Certificate of Deposit
$0
0.02% ▼ 2.63% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▼ 2.63% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 6 Months
$250
0.02% ▼ 2.63% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▼ 2.63% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
6 Month Certificate of Deposit
$0
0.01% ▼ 2.64% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▼ 2.64% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 6 Months
$250
0.01% ▼ 2.64% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▼ 2.64% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 2.10% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 2.10% above avgNationally 2.77%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Share Certificate PROMO
$0
4.75% ▲ 2.10% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 2.10% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20% ▲ 1.55% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 1.55% above avgNationally 2.77%
Details

New 6-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6-month Certificate of Deposit
$0
4.10% ▲ 1.45% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 1.45% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 14, 2026
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
$0
4.00% ▲ 1.35% above Kentucky avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.77%
Details

Interest paid: Monthly; Early withdrawal penalty applies

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 14, 2026
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Traditional Certificates of Deposit (CDs) - 6 Month
$0
4.00% ▲ 1.35% above Kentucky avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.35% above avgNationally 2.77%
Details

Payment: Monthly; Share, Traditional IRA, Roth IRA, and Educ IRA; Rates as of October 3, 2025; Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 6 Months
$500
3.95% ▲ 1.30% above Kentucky avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.30% above avgNationally 2.77%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 14, 2026
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
6-Month CD
$500
3.90% ▲ 1.25% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.65%▲ 1.25% above avgNationally 2.77%
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
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 14, 2026
Commonwealth Community Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month CD Special
$5,000
3.80% ▲ 1.15% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.65%▲ 1.15% above avgNationally 2.77%
Details

LIMITED TIME ONLY

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Certificate - 6 Months
$0
3.70% ▲ 1.05% above Kentucky avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.05% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
6 Month Certificate of Deposit Accounts
$0
3.70% ▲ 1.05% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.05% above avgNationally 2.77%
Details

Delta Community row from Compare Certificate of Deposit Accounts table; term not stated in this row; competitor rows excluded

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Certificate of Deposit Accounts - 6 Month
$1,000
3.70% ▲ 1.05% above Kentucky avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.65%▲ 1.05% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
6-Month Certificate
$0
3.60% ▲ 0.95% above Kentucky avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 0.95% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Business 6-Month Certificate
$0
3.60% ▲ 0.95% above Kentucky avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.65%▲ 0.95% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026

Louisville 12 Month CD Rates

Kentucky 12 Month CD Average3.04% APYNational 2.99%▼ 0.01% from last week
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%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Grow with Me 12-Month Certificate
$250
5.25% ▲ 2.21% above Kentucky avg
View
▼
Rate5.13%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 2.21% above avgNationally 2.99%
Details

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; 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%
4.65%5.20%5.75%Sep 30, 2026: 5.15% APYOct 1, 2026: 5.25% APYSep 30, 2026Oct 14, 2026
  • Oct 1, 20265.25%▲ from 5.15%
  • Sep 30, 20265.15%first recorded
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 1 Year
$1,000
4.50% ▲ 1.46% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 1.46% above avgNationally 2.99%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
CD Management Account (1 year -variable rate)
$0
4.38% ▲ 1.34% above Kentucky avg
View
▼
Rate4.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 1.34% above avgNationally 2.99%
Details

Current CD Special; variable rate; Minimum balance to obtain APY: $2,500

Rate History
1 change since Sep 18, 2026 · 3.96% → 4.38% ▲ 0.42 pts · high 4.38% / low 3.96%
3.46%4.17%4.88%Sep 18, 2026: 3.96% APYOct 14, 2026: 4.38% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.38%▲ from 3.96%
  • Sep 18, 20263.96%first recorded
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
3704 Frankfort Ave, Louisville, KY 40207
Traditional 12-month Jumbo Certificate
$75,000
4.35% ▲ 1.31% above Kentucky avg
View
▼
Rate4.27%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 1.31% above avgNationally 2.99%
Details

Jumbo Certificate; $75,000 minimum balance; penalties for early withdrawal; auto-renews to a Jumbo Certificate with same term at standard Jumbo rates; Certificates (Regular, Traditional IRA, and Roth IRA)

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Certificates - 12 months
$500
4.25% ▲ 1.21% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 1.21% above avgNationally 2.99%
Details

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%
3.65%4.20%4.75%Sep 30, 2026: 4.15% APYOct 1, 2026: 4.25% APYSep 30, 2026Oct 14, 2026
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 30, 20264.15%first recorded
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
12 Month Certificate
$1,000
4.20% ▲ 1.16% above Kentucky avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.16% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
12-month CD
$1,000
4.20% ▲ 1.16% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.16% above avgNationally 2.99%
Details

Limited-Time Offer; New Money Only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 8/10/26 and is subject to change on the Bank's discretion.

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 12 months
$1,000
4.20% ▲ 1.16% above Kentucky avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.16% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Certificate of Deposit - 1 Year
$0
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Individual Retirement Account Fixed Rate - 12 Months
$0
4.00% ▲ 0.96% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.96% above avgNationally 2.99%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
12 Month IRA Certificate
$1,000
3.90% ▲ 0.86% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
12 Month Share Certificate
$1,000
3.90% ▲ 0.86% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.86% above avgNationally 2.99%
Details

Effective Date: 8/3/2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
12 Month Share Certificate - Regular Accounts
$0
3.85% ▲ 0.81% above Kentucky avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.81% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
12 Month Share Certificate - Roth or Traditional IRA
$0
3.85% ▲ 0.81% above Kentucky avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.81% above avgNationally 2.99%
Details

IRA certificate; term limited to 12, 24, 36, 48 or 60 months

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 14, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 12 MONTH
$500
3.82% ▲ 0.78% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.78% above avgNationally 2.99%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 12 Month
$500
3.80% ▲ 0.76% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.76% above avgNationally 2.99%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
3400 Dutchmans Ln, Louisville, KY 40205
12 Month CD
$0
3.78% ▲ 0.74% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Central Advantage (1 year - individuals only)
$0
3.75% ▲ 0.71% above Kentucky avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.71% above avgNationally 2.99%
Details

Current CD Special; individuals only; Minimum balance to obtain APY: $2,500

Rate History
1 change since Sep 18, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 18, 2026: 3.35% APYOct 14, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.75%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Share Certificates - 12 Month
$500
3.49% ▲ 0.45% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▲ 0.45% above avgNationally 2.99%
Details

Rates effective as of October 1, 2026

Rate History
No change since Oct 9, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 9, 2026: 3.49% APYOct 9, 2026Oct 14, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
12 Month Share Certificate
$500
3.30% ▲ 0.26% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.26% above avgNationally 2.99%
Details

Subject to change: Weekly; Excludes Jumbo Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.30% ▲ 0.15 pts · high 3.30% / low 3.15%
2.65%3.22%3.80%Sep 14, 2026: 3.15% APYOct 10, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.30%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
401 W Main St, Louisville, KY 40202
CD - 12-Month Special Rate
$0
3.25% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.21% above avgNationally 2.99%
Details

Balance: $100,000 and above; special rate on select new CD accounts; Balance builds toward Truist One Checking perks

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
1 Year Certificate
$0
3.25% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 0.21% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
1 Year HSA
$0
3.25% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 0.21% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
1 Year Youth
$0
3.25% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 0.21% above avgNationally 2.99%
Details

Youth Certificate for children 17 and under

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 12 Month
$500
3.19% ▲ 0.15% above Kentucky avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average3.04%▲ 0.15% above avgNationally 2.99%
Details

Rate History
No change since Sep 21, 2026 · 3.19% APY · checked 3 times
2.69%3.19%3.69%Sep 21, 2026: 3.19% APYSep 21, 2026Oct 14, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
Certificates of Deposit - 12 Month
$1,000
3.10% ▲ 0.06% above Kentucky avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▲ 0.06% above avgNationally 2.99%
Details

Partial withdrawals not allowed; $100,000 maximum deposit per CD product; automatically renewable

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
12 Month CD
$0
3.10% ▲ 0.06% above Kentucky avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 0.06% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
12 Month Certificate of Deposit
$1,000
3.10% ▲ 0.06% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▲ 0.06% above avgNationally 2.99%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 12 Month
$500
3.09% ▲ 0.05% above Kentucky avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average3.04%▲ 0.05% above avgNationally 2.99%
Details

Rate History
No change since Sep 21, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Sep 21, 2026: 3.09% APYSep 21, 2026Oct 14, 2026
WMB Wilson & Muir B&T Co.
Institution Rating:
A+4.9 ★Texas Ratio: 2.62%
130 Saint Matthews Ave, Louisville, KY 40207
12 Month Certificate of Deposit
$0
2.53% ▼ 0.51% below Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 0.51% below avgNationally 2.99%
Details

Minimum deposit required.

Rate History
No change since Sep 7, 2026 · 2.53% APY · checked 9 times
2.03%2.53%3.03%Sep 7, 2026: 2.53% APYSep 7, 2026Oct 14, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
1 Year Certificate
$0
2.53% ▼ 0.51% below Kentucky avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average3.04%▼ 0.51% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
12 month IRA Certificate
$0
2.50% ▼ 0.54% below Kentucky avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average3.04%▼ 0.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
12-Month Term Share Certificate
$500
2.50% ▼ 0.54% below Kentucky avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average3.04%▼ 0.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
9711 Linn Station Rd, Louisville, KY 40223 3804
12 Month Vision Starter Certificate
$100
2.40% ▼ 0.64% below Kentucky avg
View
▼
Rate2.37%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▼ 0.64% below avgNationally 2.99%
Details

Age: 17 and younger; Minimum opening balance is $100 for Vision Starter Certificate

Rate History
No change since Sep 12, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 12, 2026: 2.40% APYSep 12, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
Certificate of Deposit 1 Year
$500
2.00% ▼ 1.04% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 1.04% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
IRA 1 Year
$500
2.00% ▼ 1.04% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 1.04% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
1 Year Fixed IRA
$1,000
1.50% ▼ 1.54% below Kentucky avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▼ 1.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
12-Month Certificate
$0
1.50% ▼ 1.54% below Kentucky avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▼ 1.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
IRA Certificate 12-Month
$0
1.50% ▼ 1.54% below Kentucky avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average3.04%▼ 1.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
1 Year Certificate
$1,000
1.45% ▼ 1.59% below Kentucky avg
View
▼
Rate1.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▼ 1.59% below avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 1.45% APY · checked 4 times
0.95%1.45%1.95%Sep 25, 2026: 1.45% APYSep 25, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
12-Month IRA
$1,000
1.25% ▼ 1.79% below Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▼ 1.79% below avgNationally 2.99%
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 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 7, 2026: 1.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25% ▼ 1.79% below Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average3.04%▼ 1.79% below avgNationally 2.99%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
12 Month Certificate of Deposit
$0
0.03% ▼ 3.01% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 3.01% below avgNationally 2.99%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 12 Months
$250
0.03% ▼ 3.01% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 3.01% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
12 Month Certificate of Deposit
$0
0.02% ▼ 3.02% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 3.02% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 12 Months
$250
0.02% ▼ 3.02% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 3.02% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
12 Month Certificate of Deposit
$0
0.01% ▼ 3.03% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 3.03% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 12 Months
$250
0.01% ▼ 3.03% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average3.04%▼ 3.03% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.71% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.71% above avgNationally 2.99%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
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
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average3.04%▲ 1.71% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026

Louisville 18 Month CD Rates

Kentucky 18 Month CD Average2.82% APYNational 2.88%▲ 0.01% from last week
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%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Certificates - 18 months
$500
4.30% ▲ 1.48% above Kentucky avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.48% above avgNationally 2.88%
Details

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%
3.40%4.10%4.80%Sep 30, 2026: 3.90% APYOct 1, 2026: 4.30% APYSep 30, 2026Oct 14, 2026
  • Oct 1, 20264.30%▲ from 3.90%
  • Sep 30, 20263.90%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
18 Month IRA Certificate
$1,000
3.90% ▲ 1.08% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
18 Month Share Certificate
$1,000
3.90% ▲ 1.08% above Kentucky avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.08% above avgNationally 2.88%
Details

Effective Date: 8/3/2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
18 Month Share Certificate - Regular Accounts
$0
3.50% ▲ 0.68% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 0.68% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
18 Month Share Certificate
$500
3.50% ▲ 0.68% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 0.68% above avgNationally 2.88%
Details

Subject to change: Weekly; Excludes Jumbo Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
18 Month CD
$0
3.25% ▲ 0.43% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
18 Month Certificate of Deposit
$1,000
3.25% ▲ 0.43% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 0.43% 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
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
18-Month IRA
$1,000
3.25% ▲ 0.43% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 0.43% 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
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
IRA - Individual Retirement Accounts 18-Month
$1,000
3.25% ▲ 0.43% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 0.43% 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%
2.05%2.95%3.85%Sep 14, 2026: 2.65% APYOct 7, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.25%▲ from 2.65%
  • Sep 14, 20262.65%first recorded
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
18 Month Certificate
$0
3.25% ▲ 0.43% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 18 Month
$500
3.24% ▲ 0.42% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.24% APY · checked 3 times
2.74%3.24%3.74%Sep 21, 2026: 3.24% APYSep 21, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 18 Month
$500
3.24% ▲ 0.42% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.24% APY · checked 3 times
2.74%3.24%3.74%Sep 21, 2026: 3.24% APYSep 21, 2026Oct 14, 2026
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Share Certificates - 18 Month
$500
3.24% ▲ 0.42% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 0.42% above avgNationally 2.88%
Details

Rates effective as of October 1, 2026

Rate History
No change since Oct 9, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 9, 2026: 3.24% APYOct 9, 2026Oct 14, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 18 MONTH
$500
3.03% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 0.21% above avgNationally 2.88%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
IRA Certificate - 1st Quarter - 18 MONTH
$500
3.03% ▲ 0.21% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 0.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 13, 2026: 3.03% APYOct 13, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Individual Retirement Account Variable Rate - 18 Months
$0
3.00% ▲ 0.18% above Kentucky avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.88%
Details

Minimum balance to obtain APY: $100

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
18 month IRA Certificate
$0
3.00% ▲ 0.18% above Kentucky avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
18-Month Term Share Certificate
$500
3.00% ▲ 0.18% above Kentucky avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
WMB Wilson & Muir B&T Co.
Institution Rating:
A+4.9 ★Texas Ratio: 2.62%
130 Saint Matthews Ave, Louisville, KY 40207
18 Month Certificate of Deposit
$0
1.76% ▼ 1.06% below Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 1.06% below avgNationally 2.88%
Details

Minimum deposit required.

Rate History
No change since Sep 7, 2026 · 1.76% APY · checked 9 times
1.26%1.76%2.26%Sep 7, 2026: 1.76% APYSep 7, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
18 Month Fixed IRA
$1,000
1.70% ▼ 1.12% below Kentucky avg
View
▼
Rate1.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▼ 1.12% below avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 1.70% APY · checked 4 times
1.20%1.70%2.20%Sep 25, 2026: 1.70% APYSep 25, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
18 Month Certificate
$1,000
1.65% ▼ 1.17% below Kentucky avg
View
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▼ 1.17% below avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 1.65% APY · checked 4 times
1.15%1.65%2.15%Sep 25, 2026: 1.65% APYSep 25, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
18-Month Certificate
$0
1.00% ▼ 1.82% below Kentucky avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▼ 1.82% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
18 Month Certificate
$1,000
0.50% ▼ 2.32% below Kentucky avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▼ 2.32% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 18 months
$1,000
0.50% ▼ 2.32% below Kentucky avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▼ 2.32% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
18 Month Certificate of Deposit
$0
0.03% ▼ 2.79% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.79% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 18 Months
$250
0.03% ▼ 2.79% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.79% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
18 Month Certificate of Deposit
$0
0.02% ▼ 2.80% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.80% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 18 Months
$250
0.02% ▼ 2.80% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.80% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
18 Month Certificate of Deposit
$0
0.01% ▼ 2.81% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.81% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 18 Months
$250
0.01% ▼ 2.81% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.81% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.93% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▲ 1.93% above avgNationally 2.88%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Share Certificate PROMO
$0
4.75% ▲ 1.93% above Kentucky avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▲ 1.93% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40% ▲ 1.58% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.58% above avgNationally 2.88%
Details

New 18-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 14, 2026
  • 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% ▲ 1.53% above Kentucky avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.53% 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%
3.70%4.28%4.85%Sep 7, 2026: 4.20% APYSep 24, 2026: 4.35% APYSep 7, 2026Oct 14, 2026
  • 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% ▲ 1.53% above Kentucky avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.53% 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%
3.70%4.28%4.85%Sep 7, 2026: 4.20% APYSep 19, 2026: 4.35% APYSep 7, 2026Oct 14, 2026
  • 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% ▲ 1.53% above Kentucky avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.53% above avgNationally 2.88%
Details

Variable rate

Rate History
1 change since Sep 7, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 7, 2026: 4.20% APYSep 19, 2026: 4.35% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20264.35%▲ from 4.20%
  • Sep 7, 20264.20%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
18-Month Certificate
$0
4.25% ▲ 1.43% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.43% 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%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • 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%
Business 18-Month Certificate
$0
4.25% ▲ 1.43% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Certificates - 18-Month Certificate
$0
4.25% ▲ 1.43% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.43% 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%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
18 Month Certificate of Deposit
$500
4.21% ▲ 1.39% above Kentucky avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▲ 1.39% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.21% APY · checked 6 times
3.71%4.21%4.71%Sep 20, 2026: 4.21% APYSep 20, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.33% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.33% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
18 Month Share/IRA Certificates
$0
4.15% ▲ 1.33% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.33% above avgNationally 2.88%
Details

Rates effective as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Share/IRA Certificates - 18-Months
$0
4.15% ▲ 1.33% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.28% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.28% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
CD 18 MONTH
$500
4.05% ▲ 1.23% above Kentucky avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.23% above avgNationally 2.88%
Details

Published APY range: 4.05-4.25%. Jumbo >100K rate: 4.18%; Jumbo rate requires a minimum of $100,000

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
18 Month IRA - Jumbo
$100
4.00% ▲ 1.18% above Kentucky avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.18% 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
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Month Business Jumbo Share Certificate
$35,000
4.00% ▲ 1.18% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.18% above avgNationally 2.88%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 18 Month
$0
4.00% ▲ 1.18% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.18% above avgNationally 2.88%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • 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% ▲ 1.12% above Kentucky avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.12% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 3.94% → 3.94% ▼ 0.00 pts · high 4.00% / low 3.94%
3.44%3.97%4.50%Sep 18, 2026: 3.94% APYSep 27, 2026: 4.00% APYOct 14, 2026: 3.94% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.94%▼ from 4.00%
  • Sep 27, 20264.00%▲ from 3.94%
  • Sep 18, 20263.94%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
18 Month IRA
$100
3.94% ▲ 1.12% above Kentucky avg
View
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.94% APY
3.44%3.94%4.44%Oct 14, 2026: 3.94% APYOct 14, 2026Oct 14, 2026

Louisville 24 Month CD Rates

Kentucky 24 Month CD Average2.91% APYNational 2.88%▲ 0.04% from last week
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%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Certificates - 24 months
$500
4.35% ▲ 1.44% above Kentucky avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.44% above avgNationally 2.88%
Details

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%
2.95%4.00%5.05%Sep 30, 2026: 3.65% APYOct 1, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
  • 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%
4630 Taylorsville Rd, Louisville, KY 40220
Certificate of Deposit - 2 Years
$0
4.25% ▲ 1.34% above Kentucky avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.88%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Individual Retirement Account Fixed Rate - 24 Months
$0
4.25% ▲ 1.34% above Kentucky avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.88%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
24 Month CD
$0
4.00% ▲ 1.09% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
24 Month Certificate of Deposit
$1,000
4.00% ▲ 1.09% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 1.09% 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 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
24-Month IRA
$1,000
4.00% ▲ 1.09% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 1.09% 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 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00% ▲ 1.09% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 1.09% 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 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
24 Month IRA Certificate
$1,000
4.00% ▲ 1.09% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
24 Month Share Certificate
$1,000
4.00% ▲ 1.09% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.09% above avgNationally 2.88%
Details

Effective Date: 8/3/2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
3400 Dutchmans Ln, Louisville, KY 40205
24 Month CD
$0
3.78% ▲ 0.87% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.91%▲ 0.87% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 14, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
24 Month Share Certificate
$500
3.50% ▲ 0.59% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 0.59% above avgNationally 2.88%
Details

Subject to change: Weekly; Excludes Jumbo Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • 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%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 24 MONTH
$500
3.46% ▲ 0.55% above Kentucky avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.91%▲ 0.55% above avgNationally 2.88%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Sep 14, 2026: 3.46% APYSep 14, 2026Oct 14, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
IRA Certificate - 1st Quarter - 24 MONTH
$500
3.46% ▲ 0.55% above Kentucky avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.91%▲ 0.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 13, 2026: 3.46% APYOct 13, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 24 Month
$500
3.34% ▲ 0.43% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.91%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.34% APY · checked 3 times
2.84%3.34%3.84%Sep 21, 2026: 3.34% APYSep 21, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 24 Month
$500
3.34% ▲ 0.43% above Kentucky avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.91%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.34% APY · checked 3 times
2.84%3.34%3.84%Sep 21, 2026: 3.34% APYSep 21, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
2 Year Fixed IRA
$1,000
3.30% ▲ 0.39% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▲ 0.39% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 14, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 24 Month
$500
3.29% ▲ 0.38% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.91%▲ 0.38% above avgNationally 2.88%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
24 Month Share Certificate - Regular Accounts
$0
3.29% ▲ 0.38% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
24 Month Share Certificate - Roth or Traditional IRA
$0
3.29% ▲ 0.38% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 0.38% above avgNationally 2.88%
Details

IRA certificate; term limited to 12, 24, 36, 48 or 60 months

Rate History
No change since Oct 14, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 14, 2026: 3.29% APYOct 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
2 Year Certificate
$1,000
3.25% ▲ 0.34% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▲ 0.34% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
2 Year Certificate
$0
3.25% ▲ 0.34% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▲ 0.34% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 2 Year
$1,000
3.25% ▲ 0.34% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.91%▲ 0.34% above avgNationally 2.88%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Share Certificates - 24 Month
$500
3.24% ▲ 0.33% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.91%▲ 0.33% above avgNationally 2.88%
Details

Rates effective as of October 1, 2026

Rate History
No change since Oct 9, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 9, 2026: 3.24% APYOct 9, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
24 Month Certificate
$1,000
3.00% ▲ 0.09% above Kentucky avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▲ 0.09% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 24 months
$1,000
3.00% ▲ 0.09% above Kentucky avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▲ 0.09% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
24 month IRA Certificate
$0
3.00% ▲ 0.09% above Kentucky avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.91%▲ 0.09% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
24-Month Term Share Certificate
$500
3.00% ▲ 0.09% above Kentucky avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.91%▲ 0.09% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
2 Year Certificate
$0
2.78% ▼ 0.13% below Kentucky avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.91%▼ 0.13% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
9711 Linn Station Rd, Louisville, KY 40223 3804
24 Month Vision Starter Certificate
$100
2.75% ▼ 0.16% below Kentucky avg
View
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▼ 0.16% below avgNationally 2.88%
Details

Age: 17 and younger; Minimum opening balance is $100 for Vision Starter Certificate

Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
Certificate of Deposit 2 Year
$500
2.25% ▼ 0.66% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 0.66% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
IRA 2 Year
$500
2.25% ▼ 0.66% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 0.66% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
24-Month Certificate
$0
2.00% ▼ 0.91% below Kentucky avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.91%▼ 0.91% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
IRA Certificate 24-Month
$0
2.00% ▼ 0.91% below Kentucky avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.91%▼ 0.91% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
WMB Wilson & Muir B&T Co.
Institution Rating:
A+4.9 ★Texas Ratio: 2.62%
130 Saint Matthews Ave, Louisville, KY 40207
24 Month Certificate of Deposit
$0
1.76% ▼ 1.15% below Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 1.15% below avgNationally 2.88%
Details

Minimum deposit required.

Rate History
No change since Sep 7, 2026 · 1.76% APY · checked 9 times
1.26%1.76%2.26%Sep 7, 2026: 1.76% APYSep 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
24 Month Certificate of Deposit
$0
0.03% ▼ 2.88% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 2.88% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 24 Months
$250
0.03% ▼ 2.88% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 2.88% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
24 Month Certificate of Deposit
$0
0.02% ▼ 2.89% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 2.89% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 24 Months
$250
0.02% ▼ 2.89% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 2.89% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
24 Month Certificate of Deposit
$0
0.01% ▼ 2.90% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 2.90% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 24 Months
$250
0.01% ▼ 2.90% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▼ 2.90% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
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
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 20, 2026: 4.25% APYSep 20, 2026Oct 14, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2-Year Certificate
$0
4.25% ▲ 1.34% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% 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%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.88%
Details

Jumbo Certificates

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • 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%
Business 2-Year Certificate
$0
4.25% ▲ 1.34% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Business 2-Year Jumbo Certificate
$0
4.25% ▲ 1.34% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.88%
Details

Business Certificates; Jumbo Certificates

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
IRA Certificates - 2-Year Certificate
$0
4.25% ▲ 1.34% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% 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%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • 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 Certificates - 2-Year Jumbo Certificate
$0
4.25% ▲ 1.34% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.91%▲ 1.34% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificate - 24 months
$500
4.08% ▲ 1.17% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.91%▲ 1.17% above avgNationally 2.88%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 18, 2026: 3.82% APYOct 13, 2026: 4.08% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.08%▲ from 3.82%
  • Sep 18, 20263.82%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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 12, 2026: 4.07% APYSep 12, 2026Oct 14, 2026
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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.91%▲ 1.16% above avgNationally 2.88%
Details

Certificate rates, terms, and conditions are subject to change weekly; 90-day dividend penalty for early withdrawal

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 14, 2026

Louisville 36 Month CD Rates

Kentucky 36 Month CD Average2.82% APYNational 2.81%▲ 0.03% from last week
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%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Certificates - 36 months
$500
4.40% ▲ 1.58% above Kentucky avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.58% above avgNationally 2.81%
Details

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%
3.00%4.05%5.10%Sep 30, 2026: 3.70% APYOct 1, 2026: 4.40% APYSep 30, 2026Oct 14, 2026
  • Oct 1, 20264.40%▲ from 3.70%
  • Sep 30, 20263.70%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Certificate of Deposit - 3 Years
$0
4.30% ▲ 1.48% above Kentucky avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.48% above avgNationally 2.81%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Individual Retirement Account Fixed Rate - 36 Months
$0
4.30% ▲ 1.48% above Kentucky avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.48% above avgNationally 2.81%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
36 Month CD
$0
4.15% ▲ 1.33% above Kentucky avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.33% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 1.33% above avgNationally 2.81%
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
36-Month IRA
$1,000
4.15% ▲ 1.33% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 1.33% above avgNationally 2.81%
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15% ▲ 1.33% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 1.33% above avgNationally 2.81%
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%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
36 Month IRA Certificate
$1,000
4.05% ▲ 1.23% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
36 Month Share Certificate
$1,000
4.05% ▲ 1.23% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.23% above avgNationally 2.81%
Details

Effective Date: 8/3/2026

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
3400 Dutchmans Ln, Louisville, KY 40205
36 Month CD
$0
3.78% ▲ 0.96% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.82%▲ 0.96% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 6 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 14, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 36 MONTH
$500
3.56% ▲ 0.74% above Kentucky avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 0.74% above avgNationally 2.81%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
36 Month Share Certificate
$500
3.40% ▲ 0.58% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 0.58% above avgNationally 2.81%
Details

Subject to change: Weekly; Excludes Jumbo Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.40% ▲ 0.30 pts · high 3.40% / low 3.10%
2.60%3.25%3.90%Sep 14, 2026: 3.10% APYOct 10, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.40%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 3 Year
$1,000
3.35% ▲ 0.53% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 0.53% above avgNationally 2.81%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
3 Year Fixed IRA
$1,000
3.30% ▲ 0.48% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▲ 0.48% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 14, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 36 Month
$500
3.29% ▲ 0.47% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.81%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 36 Month
$500
3.29% ▲ 0.47% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 21, 2026: 3.29% APYSep 21, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 36 Month
$500
3.29% ▲ 0.47% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 21, 2026: 3.29% APYSep 21, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
36 Month Share Certificate - Regular Accounts
$0
3.29% ▲ 0.47% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 22, 2026: 3.29% APYSep 22, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
36 Month Share Certificate - Roth or Traditional IRA
$0
3.29% ▲ 0.47% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.81%
Details

IRA certificate; term limited to 12, 24, 36, 48 or 60 months

Rate History
No change since Oct 14, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 14, 2026: 3.29% APYOct 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
3 Year Certificate
$1,000
3.25% ▲ 0.43% above Kentucky avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
3 Year Certificate
$0
3.25% ▲ 0.43% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Share Certificates - 36 Month
$500
3.24% ▲ 0.42% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 0.42% above avgNationally 2.81%
Details

Rates effective as of October 1, 2026

Rate History
No change since Oct 9, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 9, 2026: 3.24% APYOct 9, 2026Oct 14, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
3 Year Certificate
$0
3.04% ▲ 0.22% above Kentucky avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
36 month IRA Certificate
$0
3.00% ▲ 0.18% above Kentucky avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
36-Month Term Share Certificate
$500
3.00% ▲ 0.18% above Kentucky avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
IRA Certificate 36-Month
$0
2.02% ▼ 0.80% below Kentucky avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▼ 0.80% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
36-Month Certificate
$0
2.00% ▼ 0.82% below Kentucky avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▼ 0.82% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
Certificate of Deposit 3 Year
$500
1.40% ▼ 1.42% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 1.42% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
IRA 3 Year
$500
1.40% ▼ 1.42% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 1.42% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 14, 2026: 1.40% APYOct 14, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
36 Month Certificate
$1,000
0.60% ▼ 2.22% below Kentucky avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▼ 2.22% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 8, 2026: 0.60% APYOct 8, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 36 months
$1,000
0.60% ▼ 2.22% below Kentucky avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▼ 2.22% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 8, 2026: 0.60% APYOct 8, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
36 Month Certificate of Deposit
$0
0.03% ▼ 2.79% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.79% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 36 Months
$250
0.03% ▼ 2.79% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.79% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
36 Month Certificate of Deposit
$0
0.02% ▼ 2.80% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.80% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 36 Months
$250
0.02% ▼ 2.80% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.80% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
36 Month Certificate of Deposit
$0
0.01% ▼ 2.81% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.81% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 36 Months
$250
0.01% ▼ 2.81% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▼ 2.81% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40% ▲ 1.58% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.58% above avgNationally 2.81%
Details

CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply

Rate History
No change since Oct 14, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 14, 2026
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
3 Year Certificate of Deposit
$500
4.30% ▲ 1.48% above Kentucky avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.82%▲ 1.48% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 20, 2026: 4.30% APYSep 20, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Business Jumbo Share Certificate
$35,000
4.25% ▲ 1.43% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.43% above avgNationally 2.81%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
36 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.43% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.43% above avgNationally 2.81%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 36 Month
$0
4.25% ▲ 1.43% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.43% above avgNationally 2.81%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • 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 ESA Long-Term Certificate
$0
4.15% ▲ 1.33% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.33% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.28% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.28% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 Year IRA - Jumbo
$100
4.10% ▲ 1.28% above Kentucky avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.28% above avgNationally 2.81%
Details

Jumbo >100K APY; Jumbo rate requires a minimum of $100,000

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 36 Months
$500
4.10% ▲ 1.28% above Kentucky avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.28% above avgNationally 2.81%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 14, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificate - 36 months
$500
4.08% ▲ 1.26% above Kentucky avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.82%▲ 1.26% above avgNationally 2.81%
Details

Add .10% to the rate for $50,000 to $74,999.99; add .20% to the rate for $75,000 and over; certificates must be at least $2,500 to qualify for monthly dividend payments

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 18, 2026: 3.82% APYOct 13, 2026: 4.08% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.08%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 Year CESA
$100
4.04% ▲ 1.22% above Kentucky avg
View
▼
Rate4.04%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.22% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.04% → 4.04% ▼ 0.00 pts · high 4.10% / low 4.04%
3.54%4.07%4.60%Sep 18, 2026: 4.04% APYOct 7, 2026: 4.10% APYOct 14, 2026: 4.04% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.04%▼ from 4.10%
  • Oct 7, 20264.10%▲ from 4.04%
  • Sep 18, 20264.04%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 Year IRA
$100
4.04% ▲ 1.22% above Kentucky avg
View
▼
Rate4.04%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 14, 2026: 4.04% APYOct 14, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
3 Year ROTH
$100
4.04% ▲ 1.22% above Kentucky avg
View
▼
Rate4.04%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.82%▲ 1.22% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 27, 2026 · 4.04% → 4.04% ▼ 0.00 pts · high 4.10% / low 4.04%
3.54%4.07%4.60%Sep 27, 2026: 4.04% APYOct 7, 2026: 4.10% APYOct 14, 2026: 4.04% APYSep 27, 2026Oct 14, 2026
  • Oct 14, 20264.04%▼ from 4.10%
  • Oct 7, 20264.10%▲ from 4.04%
  • Sep 27, 20264.04%first recorded

Louisville 48 Month CD Rates

Kentucky 48 Month CD Average2.60% APYNational 2.80%▲ 0.04% from last week
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%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Certificates - 48 months
$500
4.45% ▲ 1.85% above Kentucky avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.85% above avgNationally 2.80%
Details

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%
3.05%4.10%5.15%Sep 30, 2026: 3.75% APYOct 1, 2026: 4.45% APYSep 30, 2026Oct 14, 2026
  • 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%
4630 Taylorsville Rd, Louisville, KY 40220
Certificate of Deposit - 4 Years
$0
4.35% ▲ 1.75% above Kentucky avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.75% above avgNationally 2.80%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
48 Month CD
$0
4.15% ▲ 1.55% above Kentucky avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.60%▲ 1.55% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.55% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.60%▲ 1.55% above avgNationally 2.80%
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
48-Month IRA
$1,000
4.15% ▲ 1.55% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.60%▲ 1.55% above avgNationally 2.80%
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.55% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.60%▲ 1.55% above avgNationally 2.80%
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%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
48 Month IRA Certificate
$1,000
4.05% ▲ 1.45% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.45% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
48 Month Share Certificate
$1,000
4.05% ▲ 1.45% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.45% above avgNationally 2.80%
Details

Effective Date: 8/3/2026

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
3400 Dutchmans Ln, Louisville, KY 40205
48 Month CD
$0
3.68% ▲ 1.08% above Kentucky avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.60%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 6 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 14, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 48 MONTH
$500
3.67% ▲ 1.07% above Kentucky avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.07% above avgNationally 2.80%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 3 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
4 Year Fixed IRA
$1,000
3.55% ▲ 0.95% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.60%▲ 0.95% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
4 Year Certificate
$1,000
3.50% ▲ 0.90% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.60%▲ 0.90% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
48 Month Share Certificate - Regular Accounts
$0
3.50% ▲ 0.90% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 0.90% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
48 Month Share Certificate - Roth or Traditional IRA
$0
3.50% ▲ 0.90% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 0.90% above avgNationally 2.80%
Details

IRA certificate; term limited to 12, 24, 36, 48 or 60 months

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 4 Year
$1,000
3.40% ▲ 0.80% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 0.80% above avgNationally 2.80%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 48 Month
$500
3.39% ▲ 0.79% above Kentucky avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 0.79% above avgNationally 2.80%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 14, 2026
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
4 Year Certificate
$0
3.30% ▲ 0.70% above Kentucky avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.60%▲ 0.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
48 Month Share Certificate
$500
3.30% ▲ 0.70% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 0.70% above avgNationally 2.80%
Details

Subject to change: Weekly; Excludes Jumbo Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
2.50%3.15%3.80%Sep 14, 2026: 3.00% APYOct 10, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.30%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
4 Year Certificate
$0
3.25% ▲ 0.65% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.60%▲ 0.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 48 Month
$500
3.13% ▲ 0.53% above Kentucky avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.60%▲ 0.53% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.13% APY · checked 3 times
2.63%3.13%3.63%Sep 21, 2026: 3.13% APYSep 21, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 48 Month
$500
3.13% ▲ 0.53% above Kentucky avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.60%▲ 0.53% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.13% APY · checked 3 times
2.63%3.13%3.63%Sep 21, 2026: 3.13% APYSep 21, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
48 month IRA Certificate
$0
2.80% ▲ 0.20% above Kentucky avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.60%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
48 Month Term Share Certificate
$500
2.80% ▲ 0.20% above Kentucky avg
View
▼
Rate2.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.60%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
Old Kentucky Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
4200 Bells Ln, LOUISVILLE, KY 40211 2147
48-Month Certiciate
$0
2.12% ▼ 0.48% below Kentucky avg
View
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▼ 0.48% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 7 times
1.62%2.12%2.62%Sep 14, 2026: 2.12% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
Certificate of Deposit 4 Year
$500
1.15% ▼ 1.45% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 1.45% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
IRA 4 Year
$500
1.15% ▼ 1.45% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 1.45% below avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 1.15% APY
0.65%1.15%1.65%Oct 14, 2026: 1.15% APYOct 14, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
48 Month Certificate
$1,000
0.60% ▼ 2.00% below Kentucky avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.60%▼ 2.00% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 8, 2026: 0.60% APYOct 8, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 48 months
$1,000
0.60% ▼ 2.00% below Kentucky avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.60%▼ 2.00% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 8, 2026: 0.60% APYOct 8, 2026Oct 14, 2026
WMB Wilson & Muir B&T Co.
Institution Rating:
A+4.9 ★Texas Ratio: 2.62%
130 Saint Matthews Ave, Louisville, KY 40207
48 Month Certificate of Deposit
$0
0.25% ▼ 2.35% below Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 2.35% below avgNationally 2.80%
Details

Minimum deposit required.

Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 7, 2026: 0.25% APYSep 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
48 Month Certificate of Deposit
$0
0.03% ▼ 2.57% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 2.57% below avgNationally 2.80%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 48 Months
$250
0.03% ▼ 2.57% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 2.57% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
48 Month Certificate of Deposit
$0
0.02% ▼ 2.58% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 2.58% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 48 Months
$250
0.02% ▼ 2.58% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 2.58% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
48 Month Certificate of Deposit
$0
0.01% ▼ 2.59% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 2.59% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 48 Months
$250
0.01% ▼ 2.59% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▼ 2.59% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
4 Year Certificate of Deposit
$500
4.30% ▲ 1.70% above Kentucky avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.60%▲ 1.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 20, 2026: 4.30% APYSep 20, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Business Jumbo Share Certificate
$35,000
4.25% ▲ 1.65% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.65% above avgNationally 2.80%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.65% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.65% above avgNationally 2.80%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 48 Month
$0
4.25% ▲ 1.65% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.65% above avgNationally 2.80%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
2.95%3.93%4.90%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year CESA
$100
4.15% ▲ 1.55% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.55% above avgNationally 2.80%
Details

Time Deposit; Jumbo >100K APY (requires minimum $100,000)

Rate History
1 change since Sep 18, 2026 · 4.09% → 4.15% ▲ 0.06 pts · high 4.15% / low 4.09%
3.59%4.12%4.65%Sep 18, 2026: 4.09% APYSep 24, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.15%▲ from 4.09%
  • Sep 18, 20264.09%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year IRA
$100
4.15% ▲ 1.55% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.55% above avgNationally 2.80%
Details

Time Deposit; Jumbo >100K APY (requires minimum $100,000)

Rate History
1 change since Sep 27, 2026 · 4.09% → 4.15% ▲ 0.06 pts · high 4.15% / low 4.09%
3.59%4.12%4.65%Sep 27, 2026: 4.09% APYOct 14, 2026: 4.15% APYSep 27, 2026Oct 14, 2026
  • Oct 14, 20264.15%▲ from 4.09%
  • Sep 27, 20264.09%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year ROTH
$100
4.15% ▲ 1.55% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.55% above avgNationally 2.80%
Details

Time Deposit; Jumbo >100K APY (requires minimum $100,000)

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Standard Certificates - 48 Months
$500
4.15% ▲ 1.55% above Kentucky avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.55% above avgNationally 2.80%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year CESA
$100
4.09% ▲ 1.49% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.49% above avgNationally 2.80%
Details

Time Deposit; Standard APY

Rate History
2 changes since Sep 18, 2026 · 4.09% → 4.09% ▼ 0.00 pts · high 4.15% / low 4.09%
3.59%4.12%4.65%Sep 18, 2026: 4.09% APYSep 24, 2026: 4.15% APYOct 14, 2026: 4.09% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.09%▼ from 4.15%
  • Sep 24, 20264.15%▲ from 4.09%
  • Sep 18, 20264.09%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year IRA
$100
4.09% ▲ 1.49% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.49% above avgNationally 2.80%
Details

Time Deposit; Standard APY

Rate History
No change since Sep 27, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Sep 27, 2026: 4.09% APYSep 27, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
4 Year ROTH
$100
4.09% ▲ 1.49% above Kentucky avg
View
▼
Rate4.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.60%▲ 1.49% above avgNationally 2.80%
Details

Time Deposit; Standard APY

Rate History
No change since Oct 14, 2026 · 4.09% APY
3.59%4.09%4.59%Oct 14, 2026: 4.09% APYOct 14, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Business Standard Share Certificate
$2,500
4.00% ▲ 1.40% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.40% above avgNationally 2.80%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Share Certificates with Rate Bump Option
$0
4.00% ▲ 1.40% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.40% above avgNationally 2.80%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 18, 2026: 3.35% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.00%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
48 Month Traditional Standard Share Certificates
$0
4.00% ▲ 1.40% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.40% above avgNationally 2.80%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 48 Month
$0
4.00% ▲ 1.40% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.60%▲ 1.40% above avgNationally 2.80%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded

Louisville 60 Month CD Rates

Kentucky 60 Month CD Average2.80% APYNational 2.91%▲ 0.03% from last week
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%
4630 Taylorsville Rd, Louisville, KY 40220
Certificate of Deposit - 5 Years
$0
4.50% ▲ 1.70% above Kentucky avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.70% above avgNationally 2.91%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4630 Taylorsville Rd, Louisville, KY 40220
Individual Retirement Account Fixed Rate - 60 Months
$0
4.50% ▲ 1.70% above Kentucky avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.70% above avgNationally 2.91%
Details

Minimum balance to obtain APY: $500

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
3704 Frankfort Ave, Louisville, KY 40207
Traditional Certificates - 60 months
$500
4.50% ▲ 1.70% above Kentucky avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.70% above avgNationally 2.91%
Details

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%
3.10%4.15%5.20%Sep 30, 2026: 3.80% APYOct 1, 2026: 4.50% APYSep 30, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 3.80%
  • Sep 30, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
60 Month CD
$0
4.25% ▲ 1.45% above Kentucky avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.45% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.91%
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
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
60-Month IRA
$1,000
4.25% ▲ 1.45% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.91%
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
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.45% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.91%
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%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3620 Fern Valley Rd, Louisville, KY 40219 1917
60 Month Bump-Up Share Certificate
$5,000
4.05% ▲ 1.25% above Kentucky avg
View
▼
Rate3.98%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.25% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Certificate - 60 MONTH
$500
3.82% ▲ 1.02% above Kentucky avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.02% above avgNationally 2.91%
Details

Federally insured by NCUA

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
3400 Dutchmans Ln, Louisville, KY 40205
60 Month CD
$0
3.68% ▲ 0.88% above Kentucky avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kentucky Average2.80%▲ 0.88% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.68% APY · checked 6 times
3.18%3.68%4.18%Sep 14, 2026: 3.68% APYSep 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
5 Year Fixed IRA
$1,000
3.55% ▲ 0.75% above Kentucky avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 0.75% above avgNationally 2.91%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 14, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
601 W Market St, Louisville, KY 40202
Certificates of Deposit - 60 Month
$1,000
3.50% ▲ 0.70% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.91%
Details

Partial withdrawals allowed; $100,000 maximum deposit per CD product; automatically renewable

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
5 Year Certificate
$1,000
3.50% ▲ 0.70% above Kentucky avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.91%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
5 Year Certificate
$0
3.50% ▲ 0.70% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
5 Year IRA (Traditional/Roth)
$0
3.50% ▲ 0.70% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.91%
Details

IRA share certificate

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 5 Year
$1,000
3.50% ▲ 0.70% above Kentucky avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.91%
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
60 Month Share Certificate - Regular Accounts
$0
3.50% ▲ 0.70% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
7651 Jefferson Green Way, Louisville, KY 40219
60 Month Share Certificate - Roth or Traditional IRA
$0
3.50% ▲ 0.70% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.91%
Details

IRA certificate; term limited to 12, 24, 36, 48 or 60 months

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Certificate - 60 Month
$500
3.49% ▲ 0.69% above Kentucky avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 0.69% above avgNationally 2.91%
Details

Rates effective 07/01/2025; Certificate Rates table

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 7 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
7215 Riverport Plaza Dr, Louisville, KY 40258
60 Month Share Certificate
$500
3.20% ▲ 0.40% above Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 0.40% above avgNationally 2.91%
Details

Subject to change: Weekly; Excludes Jumbo Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00%
2.50%3.10%3.70%Sep 14, 2026: 3.00% APYOct 10, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • 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%
7910 National Tpke, Louisville, KY 40214
IRA Certificate 60 Month
$500
3.18% ▲ 0.38% above Kentucky avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.80%▲ 0.38% above avgNationally 2.91%
Details

Rate History
No change since Sep 21, 2026 · 3.18% APY · checked 3 times
2.68%3.18%3.68%Sep 21, 2026: 3.18% APYSep 21, 2026Oct 14, 2026
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
7910 National Tpke, Louisville, KY 40214
Share Certificate 60 Month
$500
3.18% ▲ 0.38% above Kentucky avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.80%▲ 0.38% above avgNationally 2.91%
Details

Rate History
No change since Sep 21, 2026 · 3.18% APY · checked 3 times
2.68%3.18%3.68%Sep 21, 2026: 3.18% APYSep 21, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
60 month IRA Certificate
$0
2.60% ▼ 0.20% below Kentucky avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.80%▼ 0.20% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6101 Fern Valley Rd, Louisville, KY 40228
60-Month Term Share Certificate
$500
2.60% ▼ 0.20% below Kentucky avg
View
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kentucky Average2.80%▼ 0.20% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
Certificate of Deposit 5 Year
$500
1.25% ▼ 1.55% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▼ 1.55% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
175 Outer Loop, Louisville, KY 40214
IRA 5 Year
$500
1.25% ▼ 1.55% below Kentucky avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▼ 1.55% below avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
60 Month Certificate
$1,000
0.60% ▼ 2.20% below Kentucky avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▼ 2.20% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 8, 2026: 0.60% APYOct 8, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
13903 Promenade Green Way, Louisville, KY 40245
Certificates of Deposit (CDs) - 60 months
$1,000
0.60% ▼ 2.20% below Kentucky avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▼ 2.20% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 8, 2026: 0.60% APYOct 8, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
60 Month Certificate of Deposit
$0
0.03% ▼ 2.77% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▼ 2.77% below avgNationally 2.91%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 60 Months
$250
0.03% ▼ 2.77% below Kentucky avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▼ 2.77% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
60 Month Certificate of Deposit
$0
0.02% ▼ 2.78% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▼ 2.78% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 60 Months
$250
0.02% ▼ 2.78% below Kentucky avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▼ 2.78% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
60 Month Certificate of Deposit
$0
0.01% ▼ 2.79% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▼ 2.79% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 S 5th St, Louisville, KY 40202
IRA CD - 60 Months
$250
0.01% ▼ 2.79% below Kentucky avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▼ 2.79% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
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
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kentucky Average2.80%▲ 1.50% above avgNationally 2.91%
Details

Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 20, 2026: 4.30% APYSep 20, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
5 Year IRA - Jumbo >100K
$100
4.25% ▲ 1.45% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.91%
Details

Jumbo >100K APY; Jumbo rate requires a minimum of $100,000

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
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
View
▼
Rate4.17%
Min Deposit$35,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.91%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Traditional Standard Share Certificates
$0
4.25% ▲ 1.45% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.91%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Jumbo Share Certificates - 60 Month
$0
4.25% ▲ 1.45% above Kentucky avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.45% above avgNationally 2.91%
Details

Jumbo; Minimum balance required to open account and earn the stated APY: $35,000/Jumbo; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.40% above avgNationally 2.91%
Details

APY = Annual Percentage Yield; minimum $500 deposit for standard certificates; Jumbo Rate Special: 15 Basis Points Bonus for 24 - 60 Month CDs >= $50k

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
5 Year CESA
$100
4.18% ▲ 1.38% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.38% above avgNationally 2.91%
Details

Standard rate

Rate History
3 changes since Sep 18, 2026 · 4.25% → 4.18% ▼ 0.07 pts · high 4.25% / low 4.18%
3.68%4.22%4.75%Sep 18, 2026: 4.25% APYSep 27, 2026: 4.18% APYOct 7, 2026: 4.25% APYOct 14, 2026: 4.18% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.18%▼ from 4.25%
  • Oct 7, 20264.25%▲ from 4.18%
  • Sep 27, 20264.18%▼ from 4.25%
  • Sep 18, 20264.25%first recorded
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
5 Year IRA
$100
4.18% ▲ 1.38% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.38% above avgNationally 2.91%
Details

Standard rate

Rate History
No change since Oct 14, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 14, 2026: 4.18% APYOct 14, 2026Oct 14, 2026
PBT Bancorp
Institution Rating:
F1.0 ★Texas Ratio: 47.28%
5 Year ROTH
$100
4.18% ▲ 1.38% above Kentucky avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.38% above avgNationally 2.91%
Details

Standard rate

Rate History
1 change since Oct 7, 2026 · 4.25% → 4.18% ▼ 0.07 pts · high 4.25% / low 4.18%
3.68%4.22%4.75%Oct 7, 2026: 4.25% APYOct 14, 2026: 4.18% APYOct 7, 2026Oct 14, 2026
  • Oct 14, 20264.18%▼ from 4.25%
  • Oct 7, 20264.25%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
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.91%
Details

Dividends compounded & paid monthly; Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Share Certificates with Rate Bump Option
$0
4.00% ▲ 1.20% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.91%
Details

Jumbo; Minimum balance to open and earn stated APY: $35,000/Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Early withdrawal penalty may apply; Yields compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 18, 2026: 3.45% APYOct 13, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.00%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
60 Month Traditional Standard Share Certificates
$0
4.00% ▲ 1.20% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.91%
Details

Standard; Minimum balance to open and earn stated APY: $1,000/Standard; Traditional/Roth IRA Share Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
Standard Share Certificates - 60 Month
$0
4.00% ▲ 1.20% above Kentucky avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.91%
Details

Standard; Minimum balance required to open account and earn the stated APY: $500/Standard; Yields compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • 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%
Certificate - 60 Months
$0
4.00% ▲ 1.20% above Kentucky avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 1.10% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.10% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 1.05% above Kentucky avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kentucky Average2.80%▲ 1.05% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
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.

Top CD Rates from Louisville, Kentucky Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Central Bank & Trust Company
Certificate of Deposit - 5 Years
A+ 5.0 ★ TX: 1.26%
Min: $0
4.50%
Republic Bank & Trust Company
60 Month CD
A+ 5.0 ★ TX: 2.91%
Min: $0
4.25%
Eclipse Bank
12 Month Certificate
A+ 5.0 ★ TX: 3.43%
Min: $1,000
4.20%
Peoples Bank Lebanon, KY
3 Month CD
C 4.0 ★ TX: 27.27%
Min: $0
4.07%
RBMAX
Certificates of Deposit - 6 Month
A+ 5.0 ★ TX: 2.91%
Min: $1,000
3.70%
CU Top 5 Credit Union Rates
Commonwealth Credit Union Frankfort, KY
Traditional Grow with Me 12-Month Certificate
A+ 5.0 ★ TX: 5.31%
Min: $250
5.25%
Louisville Federal Credit Union
Share Certificate - 1 Year
A+ 5.0 ★ TX: 1.10%
Min: $1,000
4.50%
Louisville Gas & Electric Company Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 2.50%
Min: $0
4.33%
Autotruck Financial Credit Union
6 Month Share Certificate - Regular Accounts
A+ 5.0 ★ TX: 3.55%
Min: $0
4.06%
CLASS ACT
36 Month IRA Certificate
A+ 5.0 ★ TX: 3.61%
Min: $1,000
4.05%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Louisville, KY CD Rate Trends

Compare local Louisville, 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.

View Full Kentucky CD Trends
12-Month CD KY Avg
3.042%
▼ 0.005 vs 7 days ago

Kentucky 12-month CD rates fell 0.005 points over the past 7 days to 3.042% APY.

6-Month CD KY Avg
2.651%
▲ 0.037 vs 7 days ago

Kentucky 6-month CD rates rose 0.037 points over the past 7 days to 2.651% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.042%
6-Month Forecast
3.042%
Range: 2.84%, 3.19%
12-Month Forecast
3.292%
Range: 3.09%, 3.44%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Kentucky average 12-month CD APY in our database.

Spread model: The Kentucky 12-month CD average currently trades 1.33% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.786% $89.32 $178.64 $446.60 $893.20
6-Month CD 2.651% $132.54 $265.07 $662.68 $1,325.35
12-Month CD 3.042% $152.11 $304.21 $760.53 $1,521.05
18-Month CD 2.820% $140.98 $281.96 $704.90 $1,409.80
24-Month CD 2.906% $145.30 $290.59 $726.47 $1,452.95
36-Month CD 2.816% $140.79 $281.57 $703.93 $1,407.85
48-Month CD 2.603% $130.15 $260.29 $650.73 $1,301.45
60-Month CD 2.799% $139.96 $279.91 $699.78 $1,399.55
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Louisville, 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.

Build Your Ladder
Rung Term Deposit KY Avg APY Annual Earnings
1 3-Month CD $5,000 1.786% $89.32
2 6-Month CD $5,000 2.651% $132.54
3 12-Month CD $5,000 3.042% $152.11
4 24-Month CD $5,000 2.906% $145.30
5 36-Month CD $5,000 2.816% $140.79
Total ($25,000 invested) $25,000 2.640% blended $660.06/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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769
CD Rates
Tracked in Louisville, Kentucky
42 Banks 41 Credit Unions

About Our Louisville, Kentucky CD Rate Database

MonitorBankRates tracks 769 CD rates from 42 banks and 41 credit unions with locations in Louisville, 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 Louisville, Kentucky.

How to Find the Best CD Rates in Louisville, Kentucky

What to compare when shopping for a CD in Louisville, Kentucky

To find the best APYs in Louisville, Kentucky, start with credit unions and online-only banks: Louisville, Kentucky has 41 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 Louisville, 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 Louisville, Kentucky: 83 institutions here report CD rates

Consider an Alternative If…

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 3.042% 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 3.042%, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, Kentucky as everywhere in the U.S.

Choosing a CD Term in Louisville, 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 Louisville, Kentucky savers easier access to their funds. For example, Louisville Federal Credit Union is offering its Share Certificate - 6 Months at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Central Bank & Trust Company is offering its Certificate of Deposit - 5 Years 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, Kentucky

Most CDs carry a fixed rate that is locked for the entire term, protecting a Louisville, 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 Louisville, Kentucky

Are CD rates in Louisville, Kentucky FDIC insured?

Yes, most established banks in Louisville, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, 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)
  • Central Bank & Trust Company: 4.50% APY (Certificate of Deposit - 5 Years)
  • Louisville Federal Credit Union: 4.50% APY (Share Certificate - 1 Year)
  • Louisville Gas & Electric Company Credit Union: 4.33% APY (6 Month Certificate)
  • Republic Bank & Trust Company: 4.25% APY (60 Month CD)
  • Eclipse Bank: 4.20% APY (12 Month Certificate)
  • Peoples Bank Lebanon, KY: 4.07% APY (3 Month CD)
  • Autotruck Financial Credit Union: 4.06% APY (6 Month Share Certificate - Regular Accounts)
  • CLASS ACT: 4.05% APY (36 Month IRA Certificate)
  • Kemba Louisville Credit Union: 3.82% APY (Certificate - 12 MONTH)
Rates reflect recent verified offers available in Louisville, Kentucky. Last Updated: October 14, 2026

Louisville, 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 Louisville, Kentucky rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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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.

Top Louisville, Kentucky CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Louisville, Kentucky. Averages shown use the Kentucky state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Louisville, Kentucky

Louisville, 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.

Louisville, Kentucky CD Ladder

KY CD rates currently range from 1.786% (3-month) to 2.816% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Louisville, 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 Savings

Kentucky’s average 12-month CD is 3.042% 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 Louisville, 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 Louisville, 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 Louisville, 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 14, 2026

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