Louisville, Kentucky CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
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.
Current Louisville, Kentucky CD rates include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY3704 Frankfort Ave, Louisville, KY 40207A+5.0 ★Texas Ratio: 2.47%Real return: +2.20%APY minus CPI (February 2026) offering Wealth Development Certificate 24 months at 5.00% APY, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900A+5.0 ★Texas Ratio: 1.05%Real return: +1.70%APY minus CPI (February 2026) offering 6 Mo. Share Certificate at 4.50% APY, CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY 40219 1917A+5.0 ★Texas Ratio: 4.37%Real return: +1.35%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.15% APY, Advanz Federal Credit UnionAdvanz Federal Credit Union9600 Ormsby Station Rd, Louisville, KY 40223 4008A+5.0 ★Texas Ratio: 1.58%Real return: +1.00%APY minus CPI (February 2026) offering 12 Month at 3.80% APY, and WMB Wilson & Muir B&T Co.WMB Wilson & Muir B&T Co.130 Saint Matthews Ave, Louisville, KY 40207A+5.0 ★Texas Ratio: 1.75%Real return: +0.85%APY minus CPI (February 2026) offering 18 Month IRA (Variable Rate) at 3.65% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Louisville has 100 local institutions in our database, with CD rates as high as 5.00% 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 — 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: June 16, 2026
Compare Best CD Rates in Louisville, Kentucky & the Surrounding Area
Louisville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
3 Month Certificate
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
3 months
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
91 Day (3 Month)
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
90 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3 Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Not Available for IRAs
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Compound Frequency: At Maturity; Early Withdrawal Penalty: 1 Month
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
3 Months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TruBlue Rate: 0.25%, TruBlue APY: 0.25%
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Months Business Share Certificate
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Business Share Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Business Share Certificates 3 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Louisville 6 Month CD Rates
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: 1.05%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
6 Mo. Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 6 month
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
6 months - New money only, not funds currently on deposit with Commonwealth Credit Union
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
6-month Jumbo Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
6 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
6 months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
6-month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Limited-Time Offer. New money deposits only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 10/29/25 and is subject to change on the Bank's discretion.
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
6 Month Share Certificate
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
6 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
6 Month
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
6 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
6 month IRA Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 6-Month Term
$500
2.75%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
6 Month Fixed IRA
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
6 Month Certificate
$1,000
1.45%
▼
Rate1.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
6-month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 6-Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
IRA Share Certificates 6 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.490%, Jumbo APY: 3.55%
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Compound Frequency: At Maturity; Early Withdrawal Penalty: 3 Month
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6 Month
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Not Available for IRAs
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
180 Day Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
6 Months
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TruBlue Rate: 1.74%, TruBlue APY: 1.75%
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -9,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -99,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -9,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -49,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -99,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -9,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -49,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -99,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Education IRA Share Certificates -49,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -49,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Education IRA Share Certificates -99,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Education IRA Share Certificates -9,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Business Share Certificates 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
6 Months Traditional IRA Share Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
6 Months Share Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Share Certificate $50,000-99,999
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
6 Months ROTH IRA Share Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
6 Months Education IRA Share Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificate $100,000+
Louisville 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
Grow with Me 12-Month Certificate
$250
4.90%
▼
Rate4.79%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
This account is available only for members under 18 years of age.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 12 Month
$1,000
4.15%
▼
Rate4.08%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
12-month Jumbo Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
12 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
12 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
12 Month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
12 Month Share Certificate
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
12 months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
12 Month
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 12 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
12 Month Certificate of Deposit
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 12-Month Term
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
12 month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
12 Month IRA (Fixed Rate)
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
1 Year Fixed HSA
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
1 Year Fixed IRA
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
1 Year Certificate
$1,000
1.45%
▼
Rate1.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Community Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
12-Month CD Special
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Certificate of Deposit
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Individual Retirement Account (IRA)
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12-month certificate of deposit special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First State Bank Irvington, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12-month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
12-month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Grow your savings faster.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12 Month Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12 Month IRA Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
12-MONTH IRA (VARIABLE)
$0
3.70%
▼
Rate3.67%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 12-Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Monthly
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Quarterly
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Semi-Annually
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
12 Months Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special Offer
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates 12 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special Offer
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
12-Month Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
13 Month (1 Year, 1 Month)
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
IRA Share Certificates 12 months
$2,500
3.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
1 Year CD
$500
3.28%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
A penalty will be imposed for early withdrawal. Rates subject to change without notice.
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 12 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50%
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50%
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 3 Months
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12 Month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month TDOA CD
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Louisville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
18 Month IRA (Variable Rate)
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Variable Rate
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
18 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 18 Month
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
18 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 18 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
18 Month Share Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
18 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 18-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
18 Month Certificate of Deposit
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
18 Month IRA (Fixed Rate)
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
18 Month Fixed IRA
$1,000
1.70%
▼
Rate1.69%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
18 Month Certificate
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
18 months
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 18-Months
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Certificate of Deposit
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Individual Retirement Account (IRA)
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Monthly
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
IRA Share Certificates 18 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Quarterly
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Semi-Annually
$500
3.28%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50%
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -99,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -49,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -9,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -49,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -99,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -9,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Months ROTH IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -99,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -9,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -49,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Business Share Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Months Traditional IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Months Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Share Certificate $50,000-99,999
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Months Education IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Education IRA Share Certificate $500-9,999
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Months Business Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Business Share Certificate $100,000+
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18 Month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
18 Month Fixed IRA Certificate
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
18 Month Variable IRA Certificate
$0
2.21%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
18 Months
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TruBlue Rate: 2.23%, TruBlue APY: 2.25%
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month IRA Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Louisville 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
Wealth Development Certificate 24 months
$5
5.00%
▼
Rate—
Min Deposit$5
Min Balance—
UpdatedJun 16, 2026
Details
paid annually
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
24 months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 24 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
2 Year Fixed HSA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
2 Year Fixed IRA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
24 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
2 Year Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 24 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
24 Month Share Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 24-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
24 months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
24 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
24 Month Certificate of Deposit
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
24 Month Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
24 Month IRA Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
24 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Limited Time Only
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Certificate of Deposit
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Individual Retirement Account (IRA)
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 24-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 24 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
IRA Share Certificates 24 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month IRA Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2 Year CD
$500
3.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
A penalty will be imposed for early withdrawal. Rates subject to change without notice.
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
24 Month
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Monthly
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Quarterly
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Semi-Annually
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -99,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -9,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates -49,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -49,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -99,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -9,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Share Certificates -49,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -99,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates -9,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
24 Months ROTH IRA Share Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Education IRA Share Certificates -99,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Education IRA Share Certificates -9,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Education IRA Share Certificates -49,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Louisville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
36 months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
3 Year Fixed HSA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
3 Year Fixed IRA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 36 Month
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
36 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
3 Year Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
36 Month Share Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
36 month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 36-Month Term
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
36 months
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month Certificate of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month IRA Certificate of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 36-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Individual Retirement Account (IRA)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
IRA Share Certificates 36 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
36 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Monthly
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Quarterly
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Semi-Annually
$500
3.12%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Hindman
Institution Rating:
B-4.4 ★Texas Ratio: 22.36%
IRA Certificate 3 Years
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Year Fixed Rate Jumbo IRA
$100,000
2.25%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Year Jumbo Certificate
$100,000
2.25%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
3 Years
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TruBlue Rate: 2.47%, TruBlue APY: 2.50%
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Year Jumbo Bump Certificate
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Year Bump Jumbo IRA
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36 months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Year Bump Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY based on interest compounding quarterly.
Louisville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
Wealth Development Certificate 48 months
$5
5.00%
▼
Rate—
Min Deposit$5
Min Balance—
UpdatedJun 16, 2026
Details
paid annually
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
4 Year Fixed HSA
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
4 Year Fixed IRA
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
4 Year Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
48 months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 48 Month
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
48 Month
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
48 Month Certificate
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 48 Month
$0
3.13%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
48 month IRA Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 48 Month Term
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
48 months
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
48 Month Certificate of Deposit
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 48 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 48-Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
IRA Share Certificates 48 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Individual Retirement Account (IRA)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Monthly
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Quarterly
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Semi-Annually
$500
3.23%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
4 Years
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TruBlue Rate: 2.72%, TruBlue APY: 2.75%
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
4 Year Fixed Rate Jumbo IRA
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
4 Year Jumbo Certificate
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month IRA Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
48 MONTH
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48 Month Certificate of Deposit
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA - 48 Month Certificate of Deposit
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
48 Month (4 Year)
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Louisville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3704 Frankfort Ave, Louisville, KY 40207
60 months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
5 Year Fixed HSA
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
5 Year Fixed IRA
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
5 Year Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
60 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
60 Month Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
7910 National Tpke, Louisville, KY 40214
IRA 60 Month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
60 month IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6101 Fern Valley Rd, Louisville, KY 40228
Traditional 60-Month Term
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
60 months
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 60-Months
$0
3.50%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70%
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Traditional/Roth IRA Share Certificates 60 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70%
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60 Month
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Monthly
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Quarterly
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Semi-Annually
$500
3.33%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
IRA Share Certificates 60 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 60 Month
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate of Deposit
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Individual Retirement Account (IRA)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
5 Years
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TruBlue Rate: 2.81%, TruBlue APY: 2.85%
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
5 Year Jumbo Certificate
$100,000
2.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Compound Frequency: Semi-Annually; Early Withdrawal Penalty: 6 Months
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month Certificate of Deposit
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month IRA Certificate of Deposit
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY based on interest compounding quarterly.
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
60 MONTH
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Town & Country B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA - 60 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
60 Month (5 Year)
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD — KY Avg
2.337%
▲ 0.024 vs 7 days ago
Kentucky 12-month CD rates rose 0.024 points over the past 7 days to 2.337% APY.
6-Month CD — KY Avg
1.719%
▲ 0.186 vs 7 days ago
Kentucky 6-month CD rates rose 0.186 points over the past 7 days to 1.719% APY.
As of Jun 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
KY CD Rate Forecast — Next 12 Months
Where are Kentucky CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KY 12-Month Avg APY
2.337%
6-Month Forecast
2.337%
Range: 2.14% – 2.49%
12-Month Forecast
2.087%
Range: 1.89% – 2.24%
Powered by
MonitorBankRates
What Your Savings Earn at KY CD Rates Today
Annual interest earnings at today’s Kentucky average APYs. State average used where available; national average as fallback.
| CD Term | KY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.934% | $46.71 | $93.42 | $233.55 | $467.10 |
| 6-Month CD | 1.719% | $85.95 | $171.89 | $429.73 | $859.45 |
| 12-Month CD | 2.337% | $116.85 | $233.70 | $584.25 | $1,168.50 |
| 18-Month CD | 2.679% | $133.94 | $267.87 | $669.68 | $1,339.35 |
| 24-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 36-Month CD | 2.474% | $123.71 | $247.42 | $618.55 | $1,237.10 |
| 48-Month CD | 2.587% | $129.37 | $258.73 | $646.83 | $1,293.65 |
| 60-Month CD | 2.529% | $126.44 | $252.87 | $632.18 | $1,264.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
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.
| Rung | Term | Deposit | KY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.934% | $46.71 |
| 2 | 6-Month CD | $5,000 | 1.719% | $85.95 |
| 3 | 12-Month CD | $5,000 | 2.337% | $116.85 |
| 4 | 24-Month CD | $5,000 | 2.672% | $133.62 |
| 5 | 36-Month CD | $5,000 | 2.474% | $123.71 |
| Total ($25,000 invested) | $25,000 | 2.027% blended | $506.84/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.
373
CD Rates
Tracked in Louisville, Kentucky
Tracked in Louisville, Kentucky
24 Banks
17 Credit Unions
About Our Louisville, Kentucky CD Rate Database
MonitorBankRates tracks 373 CD rates from 24 banks and 17 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 (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Commonwealth Credit Union Frankfort, KY offers a CD at 5.00% APY with a minimum deposit of $5. 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 17 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 — 41 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Louisville, Kentucky savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Louisville, Kentucky money market rates
Kentucky Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.3%
National avg: 17.3%
Median Individual Earnings
$40,635
National avg: $47,340
Poverty Rate
16.1%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$95/yr
At KY 12-mo avg 2.337% APY
17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s KY 12-month CD average of 2.337%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $95 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 (90–180 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 6 Mo. Share Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Commonwealth Credit Union Frankfort, KY is offering its 60 months at 3.65% 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: 5.00% APY (Wealth Development Certificate 24 months)
- Louisville Federal Credit Union: 4.50% APY (6 Mo. Share Certificate)
- CLASS ACT: 4.15% APY (IRA Certificate 12 Month)
- Advanz Federal Credit Union: 3.80% APY (12 Month)
- WMB Wilson & Muir B&T Co.: 3.65% APY (18 Month IRA (Variable Rate))
- Liberty Federal Credit Union: 3.55% APY (5 Year Fixed HSA)
- Eclipse Bank: 3.50% APY (6 months)
- Brown Forman Employees Credit Union: 3.49% APY (12 Month Share Certificate)
- Beacon Community Credit Union: 3.34% APY (24 Month)
- Park Federal Credit Union: 3.00% APY (Traditional 36-Month Term)
Rates reflect recent verified offers available in Louisville, Kentucky. Last Updated: June 16, 2026
CD Calculators for Louisville, Kentucky
Louisville, Kentucky CD Calculator
At today’s KY top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Louisville, Kentucky CD LadderKY CD rates currently range from 0.934% (3-month) to 2.474% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Louisville, Kentucky CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsKentucky’s average 12-month CD is 2.337% 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: June 16, 2026
Louisville, Kentucky Rates & Resources
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