Mccarr, Kentucky Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio
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 Mccarr, Kentucky CD rates include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KYA+5.0 ★Texas Ratio: 2.47%Real return: +2.20%APY minus CPI (February 2026) offering Grow with Me 12-Month Certificate at 5.00% APY, General Electric Credit UnionGeneral Electric Credit UnionA5.0 ★Texas Ratio: 6.82%Real return: +2.19%APY minus CPI (February 2026) offering 6-month intro at 4.99% APY, PBT BancorpPBT BancorpB+4.7 ★Texas Ratio: 18.44%Real return: +1.45%APY minus CPI (February 2026) offering 1 YEAR CD at 4.25% APY, Bank of LexingtonBank of LexingtonA+5.0 ★Texas Ratio: 1.22%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month CD at 4.25% APY, and Lincoln Bank of HodgenvilleLincoln Bank of HodgenvilleA+5.0 ★Texas Ratio: 1.12%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Certificate of Deposit at 4.20% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Mccarr is a smaller community with no bank or credit union branches currently in our database. 555 institutions serving the Kentucky area are available to Mccarr residents, with CD rates as high as 5.00% APY from Commonwealth Credit Union Frankfort, KY. 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: August 28, 2026
Compare Best CD Rates in Mccarr, Kentucky & the Surrounding Area
Mccarr 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
4.07%
▲ 2.49% above Kentucky avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 2.49% above avgNationally 1.96%
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Certificates 3 Months
$0
3.65%
▲ 2.07% above Kentucky avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 2.07% above avgNationally 1.96%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
3-Month Certificate
$0
3.55%
▲ 1.97% above Kentucky avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 1.97% above avgNationally 1.96%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 3-Month Certificate
$0
3.55%
▲ 1.97% above Kentucky avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 1.97% above avgNationally 1.96%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
HSA 3-Month Certificate
$0
3.55%
▲ 1.97% above Kentucky avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 1.97% above avgNationally 1.96%
Details
Health Savings Account (HSA) Certificates
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
91 Day (3 Month) Certificate of Deposit
$500
3.35%
▲ 1.77% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 1.77% above avgNationally 1.96%
Details
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Months
$2,000
3.00%
▲ 1.42% above Kentucky avg
▼
Rate2.96%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 1.42% above avgNationally 1.96%
Details
Day/Year: 365/366; Penalty: 45 Days
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
90 Day
$500
2.70%
▲ 1.12% above Kentucky avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 1.12% above avgNationally 1.96%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 3 mo.
$1,000
2.50%
▲ 0.92% above Kentucky avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 0.92% above avgNationally 1.96%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
90 Day Certificate of Deposit
$0
2.00%
▲ 0.42% above Kentucky avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 0.42% above avgNationally 1.96%
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
90 Day Certificate
$0
2.00%
▲ 0.42% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▲ 0.42% above avgNationally 1.96%
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts - 3 Month
$0
1.26%
▼ 0.32% below Kentucky avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 0.32% below avgNationally 1.96%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
3 Month
$0
1.25%
▼ 0.33% below Kentucky avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 0.33% below avgNationally 1.96%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Featured 3 Month
$1,000
1.25%
▼ 0.33% below Kentucky avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 0.33% below avgNationally 1.96%
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Jumbo Certificate
$100,000
1.00%
▼ 0.58% below Kentucky avg
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 0.58% below avgNationally 1.96%
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
90 Day
$500
0.50%
▼ 1.08% below Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.08% below avgNationally 1.96%
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Certificate
$500
0.35%
▼ 1.23% below Kentucky avg
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.23% below avgNationally 1.96%
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Month
$1,000
0.30%
▼ 1.28% below Kentucky avg
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.28% below avgNationally 1.96%
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
3 Months
$0
0.25%
▼ 1.33% below Kentucky avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.33% below avgNationally 1.96%
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
3 Month CD
$500
0.15%
▼ 1.43% below Kentucky avg
▼
Rate0.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 19, 2026
Kentucky Average1.58%▼ 1.43% below avgNationally 1.96%
Details
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
3 MONTH CD
$500
0.10%
▼ 1.48% below Kentucky avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.48% below avgNationally 1.96%
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Certificates of Deposit (CDs) 3 months
$1,000
0.10%
▼ 1.48% below Kentucky avg
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.48% below avgNationally 1.96%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 3 mo.
$100
0.05%
▼ 1.53% below Kentucky avg
▼
Rate0.05%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.53% below avgNationally 1.96%
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Months
$0
0.05%
▼ 1.53% below Kentucky avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.53% below avgNationally 1.96%
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Business Share Certificates 3 Months
$0
0.05%
▼ 1.53% below Kentucky avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average1.58%▼ 1.53% below avgNationally 1.96%
Details
Mccarr 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
6-month intro
$0
4.99%
▲ 2.22% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 2.22% above avgNationally 2.67%
Details
Introductory rate
Meade County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
6-Month CD
$0
4.10%
▲ 1.33% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.33% above avgNationally 2.67%
Details
APY is accurate as of 6/30/2026. CD is automatically renewed for the same term. You will have ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty. The CD will be renewed at the rate in effect at Meade County Bank on the maturity date. Offer is subject to change at any time. Fees could reduce earnings.
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
4.07%
▲ 1.30% above Kentucky avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.30% above avgNationally 2.67%
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts - 6 Month
$0
4.06%
▲ 1.29% above Kentucky avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.29% above avgNationally 2.67%
Details
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6-Month CD
$0
4.05%
▲ 1.28% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.28% above avgNationally 2.67%
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month
$0
4.00%
▲ 1.23% above Kentucky avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.23% above avgNationally 2.67%
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6 months
$500
4.00%
▲ 1.23% above Kentucky avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.23% above avgNationally 2.67%
Details
New money only, not funds currently on deposit with Commonwealth Credit Union
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-month Jumbo Certificate
$75,000
4.00%
▲ 1.23% above Kentucky avg
▼
Rate3.93%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.23% above avgNationally 2.67%
Details
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6-Month CD
$500
3.90%
▲ 1.13% above Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.13% above avgNationally 2.67%
Details
APY is accurate as of 7/23/2026. Offer is subject to change at any time. Interest is compounded daily. A penalty can occur for early withdrawal. 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. Ask about additional terms and conditions. *Fees may reduce earnings.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.90%
▲ 1.13% above Kentucky avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.13% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.90%
▲ 1.13% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.13% above avgNationally 2.67%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6 months
$500
3.90%
▲ 1.13% above Kentucky avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.13% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.80%
▲ 1.03% above Kentucky avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.80%
▲ 1.03% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA
$1,000
3.80%
▲ 1.03% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 6 Month
$1,000
3.80%
▲ 1.03% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.67%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 6-Month
$1,000
3.80%
▲ 1.03% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Commonwealth Community Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6 Month CD Special
$5,000
3.80%
▲ 1.03% above Kentucky avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 1.03% above avgNationally 2.67%
Details
LIMITED TIME ONLY
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Certificates 6 Months
$0
3.65%
▲ 0.88% above Kentucky avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.88% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.60%
▲ 0.83% above Kentucky avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.83% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.60%
▲ 0.83% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.83% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 6 Month
$1,000
3.60%
▲ 0.83% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.83% above avgNationally 2.67%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 6-Month
$1,000
3.60%
▲ 0.83% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.83% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
6-Month Certificate
$0
3.60%
▲ 0.83% above Kentucky avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.83% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 6-Month Certificate
$0
3.60%
▲ 0.83% above Kentucky avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.83% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
HSA 6-Month Certificate
$0
3.60%
▲ 0.83% above Kentucky avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.83% above avgNationally 2.67%
Details
Health Savings Account (HSA) Certificates
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Certificates of Deposit (CDs) 6 months
$1,000
3.50%
▲ 0.73% above Kentucky avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.73% above avgNationally 2.67%
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.49%
▲ 0.72% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.72% above avgNationally 2.67%
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 6-Months
$0
3.45%
▲ 0.68% above Kentucky avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.68% above avgNationally 2.67%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
6 Month
$0
3.30%
▲ 0.53% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.53% above avgNationally 2.67%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 6 mo.
$1,000
3.25%
▲ 0.48% above Kentucky avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.48% above avgNationally 2.67%
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month
$1,000
3.25%
▲ 0.48% above Kentucky avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.48% above avgNationally 2.67%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month
$0
3.09%
▲ 0.32% above Kentucky avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.32% above avgNationally 2.67%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificate 6 Month
$0
3.09%
▲ 0.32% above Kentucky avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.32% above avgNationally 2.67%
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
6 month CD
$500
3.02%
▲ 0.25% above Kentucky avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 19, 2026
Kentucky Average2.77%▲ 0.25% above avgNationally 2.67%
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Certificate
$0
3.02%
▲ 0.25% above Kentucky avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.25% above avgNationally 2.67%
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 month Certificate
$0
3.00%
▲ 0.23% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▲ 0.23% above avgNationally 2.67%
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
IRA Share Certificates 6 Month
$0
2.75%
▼ 0.02% below Kentucky avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 0.02% below avgNationally 2.67%
Details
IRA
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
6 month IRA Certificate
$0
2.75%
▼ 0.02% below Kentucky avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 0.02% below avgNationally 2.67%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
Traditional 6-Month Term
$500
2.75%
▼ 0.02% below Kentucky avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 0.02% below avgNationally 2.67%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6 Month
$500
2.70%
▼ 0.07% below Kentucky avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 0.07% below avgNationally 2.67%
Details
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month
$0
2.53%
▼ 0.24% below Kentucky avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 0.24% below avgNationally 2.67%
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
6 Month
$500
2.50%
▼ 0.27% below Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 0.27% below avgNationally 2.67%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
180 Day Certificate of Deposit
$0
2.00%
▼ 0.77% below Kentucky avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 0.77% below avgNationally 2.67%
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Fixed Rate - 6 Months
$0
1.75%
▼ 1.02% below Kentucky avg
▼
Rate1.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 1.02% below avgNationally 2.67%
Details
Individual Retirement Accounts
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates & IRAs 6 Month
$0
1.75%
▼ 1.02% below Kentucky avg
▼
Rate1.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 1.02% below avgNationally 2.67%
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6 Month Fixed Rate Jumbo IRA
$100,000
1.51%
▼ 1.26% below Kentucky avg
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 1.26% below avgNationally 2.67%
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6 Month Jumbo Certificate
$100,000
1.51%
▼ 1.26% below Kentucky avg
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 1.26% below avgNationally 2.67%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Fixed
$1,000
1.50%
▼ 1.27% below Kentucky avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 1.27% below avgNationally 2.67%
Details
Chemco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6-Month Certificate
$0
1.50%
▼ 1.27% below Kentucky avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.77%▼ 1.27% below avgNationally 2.67%
Details
Mccarr 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%
Grow with Me 12-Month Certificate
$0
5.00%
▲ 2.46% above Kentucky avg
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 2.46% above avgNationally 2.83%
Details
This account is available only for members under 18 years of age.
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
1 YEAR CD
$500
4.25%
▲ 1.71% above Kentucky avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.71% above avgNationally 2.83%
Details
Bank of Lexington
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12-Month CD
$500
4.25%
▲ 1.71% above Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.71% above avgNationally 2.83%
Details
APY is accurate as of 7/23/2026. Offer is subject to change at any time. Interest is compounded daily. A penalty can occur for early withdrawal. 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. Ask about additional terms and conditions. *Fees may reduce earnings.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-month CD
$1,000
4.20%
▲ 1.66% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.66% above avgNationally 2.83%
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. Minimum balance to open and obtain the advertised APY is $1,000. The rate and APY is effective as of 8/10/26 and is subject to change on the Bank's discretion.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Certificates of Deposit (CDs) 12 months
$1,000
4.20%
▲ 1.66% above Kentucky avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.66% above avgNationally 2.83%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Certificate of Deposit
$0
4.10%
▲ 1.56% above Kentucky avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.56% above avgNationally 2.83%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Individual Retirement Account (IRA)
$0
4.10%
▲ 1.56% above Kentucky avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.56% above avgNationally 2.83%
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
12-month Jumbo Certificate
$75,000
4.10%
▲ 1.56% above Kentucky avg
▼
Rate4.03%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.56% above avgNationally 2.83%
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
CD Management Account (1 year -variable rate)
$0
4.02%
▲ 1.48% above Kentucky avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.48% above avgNationally 2.83%
Details
Current CD Specials
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
12 months
$500
4.00%
▲ 1.46% above Kentucky avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.46% above avgNationally 2.83%
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
12-MONTH IRA (VARIABLE)
$0
3.95%
▲ 1.41% above Kentucky avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.41% above avgNationally 2.83%
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1 Year Certificate
$1,000
3.91%
▲ 1.37% above Kentucky avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.37% above avgNationally 2.83%
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-Month CD
$0
3.90%
▲ 1.36% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.36% above avgNationally 2.83%
Details
First State Bank Irvington, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12-Month CD
$0
3.85%
▲ 1.31% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.31% above avgNationally 2.83%
Details
APY is accurate as of 6/16/2026. The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. CD is automatically renewed for the same term. You will have ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty. The CD will be renewed at the rate in effect at First State Bank on the maturity date. Offer is subject to change at any time. Fees could reduce earnings. Visit your branch to open an account today.
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts - 12 Month
$0
3.85%
▲ 1.31% above Kentucky avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.31% above avgNationally 2.83%
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
13 Month (1 Year, 1 Month) Certificate of Deposit
$500
3.82%
▲ 1.28% above Kentucky avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.28% above avgNationally 2.83%
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12 Month Certificate
$0
3.82%
▲ 1.28% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.28% above avgNationally 2.83%
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12 Month IRA Certificate
$1,000
3.82%
▲ 1.28% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.28% above avgNationally 2.83%
Details
Bank of Clarkson
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12-Month CD
$500
3.80%
▲ 1.26% above Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.26% above avgNationally 2.83%
Details
APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. APY is accurate as of 6/16/2026. CD is automatically renewed for the same term. You will have ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty. The CD will be renewed at the rate in effect at Bank of Clarkson on the maturity date. Offer is subject to change at any time. Fees could reduce earnings. Visit your local branch to open an account today.
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month Certificate
$0
3.80%
▲ 1.26% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.26% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
1-Year Jumbo Certificate
$0
3.80%
▲ 1.26% above Kentucky avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.26% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 1-Year Jumbo Certificate
$0
3.80%
▲ 1.26% above Kentucky avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.26% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
IRA Jumbo Certificate 1-Year
$0
3.80%
▲ 1.26% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.26% above avgNationally 2.83%
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.78%
▲ 1.24% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.24% above avgNationally 2.83%
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD - IRA
$0
3.78%
▲ 1.24% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.24% above avgNationally 2.83%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 12 mo.
$1,000
3.75%
▲ 1.21% above Kentucky avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.21% above avgNationally 2.83%
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
1 Year CD
$0
3.73%
▲ 1.19% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.19% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
1-Year Certificate
$0
3.70%
▲ 1.16% above Kentucky avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.16% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 1-Year Certificate
$0
3.70%
▲ 1.16% above Kentucky avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.16% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
HSA 1-Year Certificate
$0
3.70%
▲ 1.16% above Kentucky avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.16% above avgNationally 2.83%
Details
Health Savings Account (HSA) Certificates
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Certificates 12 Months
$0
3.65%
▲ 1.11% above Kentucky avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.11% above avgNationally 2.83%
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 12-Months
$0
3.65%
▲ 1.11% above Kentucky avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.11% above avgNationally 2.83%
Details
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.60%
▲ 1.06% above Kentucky avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.06% above avgNationally 2.83%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Monthly
$500
3.56%
▲ 1.02% above Kentucky avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.02% above avgNationally 2.83%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Quarterly
$500
3.55%
▲ 1.01% above Kentucky avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.01% above avgNationally 2.83%
Details
Commonwealth Community Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 MONTH SPECIAL
$5,000
3.55%
▲ 1.01% above Kentucky avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 1.01% above avgNationally 2.83%
Details
LIMITED TIME ONLY
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD Semi-Annually
$500
3.53%
▲ 0.99% above Kentucky avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.99% above avgNationally 2.83%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month CD
$500
3.50%
▲ 0.96% above Kentucky avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.96% above avgNationally 2.83%
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
12 Months
$0
3.50%
▲ 0.96% above Kentucky avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.96% above avgNationally 2.83%
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
12 Month Share Certificate
$0
3.49%
▲ 0.95% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.95% above avgNationally 2.83%
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Central Advantage (1 year - individuals only)
$0
3.35%
▲ 0.81% above Kentucky avg
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.81% above avgNationally 2.83%
Details
Current CD Specials
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12 Month
$1,000
3.25%
▲ 0.71% above Kentucky avg
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.71% above avgNationally 2.83%
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12 Month Fixed
$0
3.25%
▲ 0.71% above Kentucky avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.71% above avgNationally 2.83%
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year HSA
$0
3.25%
▲ 0.71% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.71% above avgNationally 2.83%
Details
IRA share certificates have a minimum balance of $1,000.00
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Youth
$0
3.25%
▲ 0.71% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.71% above avgNationally 2.83%
Details
Age: 17 and under
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Youth Education
$0
3.25%
▲ 0.71% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.71% above avgNationally 2.83%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
12 Month
$500
3.25%
▲ 0.71% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.71% above avgNationally 2.83%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
12 Month
$0
3.19%
▲ 0.65% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.65% above avgNationally 2.83%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificate 12 Month
$0
3.19%
▲ 0.65% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.65% above avgNationally 2.83%
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 month Certificate
$0
3.15%
▲ 0.61% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.54%▲ 0.61% above avgNationally 2.83%
Details
Mccarr 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month Certificate of Deposit
$500
4.20%
▲ 1.40% above Kentucky avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.40% above avgNationally 2.67%
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month IRA Certificate of Deposit
$500
4.20%
▲ 1.40% above Kentucky avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.40% above avgNationally 2.67%
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month IRA Variable Certificate of Deposit
$500
4.20%
▲ 1.40% above Kentucky avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.40% above avgNationally 2.67%
Details
Variable Rate
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
CD 18 MONTH
$500
4.05%
▲ 1.25% above Kentucky avg
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.25% above avgNationally 2.67%
Details
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
CESA 18 MONTHS
$100
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.94%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
18-Month Certificate
$0
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 18-Month Certificate
$0
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
HSA 18-Month Certificate
$0
4.00%
▲ 1.20% above Kentucky avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.20% above avgNationally 2.67%
Details
Health Savings Account (HSA) Certificates
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
18 Month IRA (Variable Rate)
$0
3.94%
▲ 1.14% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.14% above avgNationally 2.67%
Details
Variable Rate
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 months
$500
3.90%
▲ 1.10% above Kentucky avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 1.10% above avgNationally 2.67%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 18 mo.
$1,000
3.75%
▲ 0.95% above Kentucky avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.95% above avgNationally 2.67%
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 18-Months
$0
3.75%
▲ 0.95% above Kentucky avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.95% above avgNationally 2.67%
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Certificates 18 Months
$0
3.65%
▲ 0.85% above Kentucky avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.85% above avgNationally 2.67%
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
18 Month CD
$500
3.50%
▲ 0.70% above Kentucky avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 19, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.67%
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts - 18 Month
$0
3.50%
▲ 0.70% above Kentucky avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.70% above avgNationally 2.67%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Certificate of Deposit
$0
3.40%
▲ 0.60% above Kentucky avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.60% above avgNationally 2.67%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Individual Retirement Account (IRA)
$0
3.40%
▲ 0.60% above Kentucky avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.60% above avgNationally 2.67%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Monthly
$500
3.30%
▲ 0.50% above Kentucky avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.50% above avgNationally 2.67%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Quarterly
$500
3.29%
▲ 0.49% above Kentucky avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.49% above avgNationally 2.67%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month CD Semi-Annually
$500
3.28%
▲ 0.48% above Kentucky avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.48% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$1,000
3.25%
▲ 0.45% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 18 Month
$1,000
3.25%
▲ 0.45% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Months
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Jumbo Certificate 18 Months
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates 18 Months
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates Jumbo Certificate 18 Months
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates 18 Months
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates Jumbo Certificate 18 Months
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Month
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
18 Month
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
18 month Certificate
$0
3.25%
▲ 0.45% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.45% above avgNationally 2.67%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 Month
$0
3.24%
▲ 0.44% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.44% above avgNationally 2.67%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA 18 Month
$0
3.24%
▲ 0.44% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.44% above avgNationally 2.67%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA Certificate 18 Month
$0
3.24%
▲ 0.44% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.44% above avgNationally 2.67%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificate 18 Month
$0
3.24%
▲ 0.44% above Kentucky avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.44% above avgNationally 2.67%
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
18 Month Share Certificate
$0
3.24%
▲ 0.44% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.44% above avgNationally 2.67%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
18 month IRA Certificate
$0
3.00%
▲ 0.20% above Kentucky avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.20% above avgNationally 2.67%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
Traditional 18-Month Term
$500
3.00%
▲ 0.20% above Kentucky avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.20% above avgNationally 2.67%
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18 Month Fixed
$0
2.90%
▲ 0.10% above Kentucky avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.10% above avgNationally 2.67%
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18 Month
$0
2.89%
▲ 0.09% above Kentucky avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.09% above avgNationally 2.67%
Details
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
2.85%
▲ 0.05% above Kentucky avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▲ 0.05% above avgNationally 2.67%
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
18 Month
$500
2.80%
At Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%At the averageNationally 2.67%
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 Month CD
$0
2.68%
▼ 0.12% below Kentucky avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▼ 0.12% below avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month IRA
$1,000
2.65%
▼ 0.15% below Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▼ 0.15% below avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼ 0.15% below Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▼ 0.15% below avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Month
$500
2.60%
▼ 0.20% below Kentucky avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▼ 0.20% below avgNationally 2.67%
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
18 Month Fixed
$0
2.21%
▼ 0.59% below Kentucky avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▼ 0.59% below avgNationally 2.67%
Details
Cumberland Security Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
18 Month Variable
$0
2.21%
▼ 0.59% below Kentucky avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▼ 0.59% below avgNationally 2.67%
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates & IRAs 18 Month
$0
2.10%
▼ 0.70% below Kentucky avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.80%▼ 0.70% below avgNationally 2.67%
Details
Mccarr 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
24 Month Certificate
$0
4.07%
▲ 1.25% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.25% above avgNationally 2.71%
Details
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
24 Month IRA Certificate
$1,000
4.07%
▲ 1.25% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.25% above avgNationally 2.71%
Details
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
CESA 2 YEAR
$100
4.05%
▲ 1.23% above Kentucky avg
▼
Rate3.99%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.23% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
2-Year Certificate
$0
4.00%
▲ 1.18% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.18% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
2-Year Jumbo Certificate
$0
4.00%
▲ 1.18% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.18% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 2-Year Certificate
$0
4.00%
▲ 1.18% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.18% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 2-Year Jumbo Certificate
$0
4.00%
▲ 1.18% above Kentucky avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.18% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
HSA 2-Year Certificate
$0
4.00%
▲ 1.18% above Kentucky avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.18% above avgNationally 2.71%
Details
Health Savings Account (HSA) Certificates
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
IRA Jumbo Certificate 2-Year
$0
4.00%
▲ 1.18% above Kentucky avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.18% above avgNationally 2.71%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Certificate of Deposit
$0
3.85%
▲ 1.03% above Kentucky avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.03% above avgNationally 2.71%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Individual Retirement Account (IRA)
$0
3.85%
▲ 1.03% above Kentucky avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.03% above avgNationally 2.71%
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$0
3.78%
▲ 0.96% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.96% above avgNationally 2.71%
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD - IRA
$0
3.78%
▲ 0.96% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.96% above avgNationally 2.71%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 24 mo.
$100
3.75%
▲ 0.93% above Kentucky avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.71%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month
$0
3.75%
▲ 0.93% above Kentucky avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.71%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$1,000
3.75%
▲ 0.93% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.71%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month IRA
$1,000
3.75%
▲ 0.93% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.71%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 24 Month
$1,000
3.75%
▲ 0.93% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.71%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 24-Month
$1,000
3.75%
▲ 0.93% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.71%
Details
All rates are Annual Percentage Yields.
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Certificates 24 Months
$0
3.70%
▲ 0.88% above Kentucky avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.88% above avgNationally 2.71%
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 months
$500
3.65%
▲ 0.83% above Kentucky avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.83% above avgNationally 2.71%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 24 mo.
$1,000
3.50%
▲ 0.68% above Kentucky avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.68% above avgNationally 2.71%
Details
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2 Year Youth Certificate
$0
3.40%
▲ 0.58% above Kentucky avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.58% above avgNationally 2.71%
Details
Youth Certificate
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2 Year CD
$0
3.38%
▲ 0.56% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.56% above avgNationally 2.71%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
24 Month
$500
3.35%
▲ 0.53% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.53% above avgNationally 2.71%
Details
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 24-Months
$0
3.35%
▲ 0.53% above Kentucky avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.53% above avgNationally 2.71%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
24 Month
$0
3.34%
▲ 0.52% above Kentucky avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.52% above avgNationally 2.71%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA 24 Month
$0
3.34%
▲ 0.52% above Kentucky avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.52% above avgNationally 2.71%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA Certificate 24 Month
$0
3.34%
▲ 0.52% above Kentucky avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.52% above avgNationally 2.71%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificate 24 Month
$0
3.34%
▲ 0.52% above Kentucky avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.52% above avgNationally 2.71%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2 Year Fixed
$1,000
3.30%
▲ 0.48% above Kentucky avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.48% above avgNationally 2.71%
Details
Commonwealth Community Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 MONTH SPECIAL
$1,000
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.71%
Details
LIMITED TIME ONLY
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2 Year Certificate
$1,000
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.71%
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
24 Month Certificate
$0
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.71%
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts - 24 Month
$0
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.71%
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month Certificate of Deposit
$500
3.25%
▲ 0.43% above Kentucky avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.71%
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month IRA Certificate of Deposit
$500
3.25%
▲ 0.43% above Kentucky avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.71%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2 Year
$1,000
3.25%
▲ 0.43% above Kentucky avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.71%
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Year
$0
3.25%
▲ 0.43% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.71%
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
24 month Certificate
$0
3.25%
▲ 0.43% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.71%
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 Month Share Certificate
$0
3.24%
▲ 0.42% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.42% above avgNationally 2.71%
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
24 Month
$0
3.05%
▲ 0.23% above Kentucky avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.23% above avgNationally 2.71%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Monthly
$500
3.04%
▲ 0.22% above Kentucky avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.22% above avgNationally 2.71%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Quarterly
$500
3.03%
▲ 0.21% above Kentucky avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.21% above avgNationally 2.71%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD Semi-Annually
$500
3.02%
▲ 0.20% above Kentucky avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.20% above avgNationally 2.71%
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Certificates of Deposit (CDs) 24 months
$1,000
3.00%
▲ 0.18% above Kentucky avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.71%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month CD
$500
3.00%
▲ 0.18% above Kentucky avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.71%
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
IRA Share Certificates 24 Month
$0
3.00%
▲ 0.18% above Kentucky avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.71%
Details
IRA
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
24 month IRA Certificate
$0
3.00%
▲ 0.18% above Kentucky avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.71%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
Traditional 24-Month Term
$500
3.00%
▲ 0.18% above Kentucky avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.71%
Details
Mccarr 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
CESA 3 YEAR
$100
4.04%
▲ 1.22% above Kentucky avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 1.22% above avgNationally 2.66%
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.78%
▲ 0.96% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.96% above avgNationally 2.66%
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD - IRA
$0
3.78%
▲ 0.96% above Kentucky avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.96% above avgNationally 2.66%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 36 mo.
$100
3.75%
▲ 0.93% above Kentucky avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.66%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month
$0
3.75%
▲ 0.93% above Kentucky avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.66%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$1,000
3.75%
▲ 0.93% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.66%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36-Month IRA
$1,000
3.75%
▲ 0.93% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.66%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 36 Month
$1,000
3.75%
▲ 0.93% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.66%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 36-Month
$1,000
3.75%
▲ 0.93% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.93% above avgNationally 2.66%
Details
All rates are Annual Percentage Yields.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
36 months
$500
3.70%
▲ 0.88% above Kentucky avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.88% above avgNationally 2.66%
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Certificates 36 Months
$0
3.70%
▲ 0.88% above Kentucky avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.88% above avgNationally 2.66%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 36 mo.
$1,000
3.50%
▲ 0.68% above Kentucky avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.68% above avgNationally 2.66%
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month Certificate of Deposit
$500
3.50%
▲ 0.68% above Kentucky avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.68% above avgNationally 2.66%
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month IRA Certificate of Deposit
$500
3.50%
▲ 0.68% above Kentucky avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.68% above avgNationally 2.66%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
36 Month
$500
3.35%
▲ 0.53% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.53% above avgNationally 2.66%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Share Certificate 36 Month Jumbo
$0
3.35%
▲ 0.53% above Kentucky avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.53% above avgNationally 2.66%
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 36-Months
$0
3.35%
▲ 0.53% above Kentucky avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.53% above avgNationally 2.66%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Certificate of Deposit
$0
3.30%
▲ 0.48% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.48% above avgNationally 2.66%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Individual Retirement Account (IRA)
$0
3.30%
▲ 0.48% above Kentucky avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.48% above avgNationally 2.66%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
3 Year Fixed
$1,000
3.30%
▲ 0.48% above Kentucky avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.48% above avgNationally 2.66%
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
36 Month Certificate
$0
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.66%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
36 Month
$0
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.66%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA 36 Month
$0
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.66%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA Certificate 36 Month
$0
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.66%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificate 36 Month
$0
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.66%
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts - 36 Month
$0
3.29%
▲ 0.47% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.47% above avgNationally 2.66%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
3 Year
$1,000
3.25%
▲ 0.43% above Kentucky avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.66%
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Year
$0
3.25%
▲ 0.43% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.43% above avgNationally 2.66%
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 Month Share Certificate
$0
3.24%
▲ 0.42% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.42% above avgNationally 2.66%
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
36 Month
$0
3.20%
▲ 0.38% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.38% above avgNationally 2.66%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
3-Year Certificate
$0
3.15%
▲ 0.33% above Kentucky avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.33% above avgNationally 2.66%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 3-Year Certificate
$0
3.15%
▲ 0.33% above Kentucky avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.33% above avgNationally 2.66%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
HSA 3-Year Certificate
$0
3.15%
▲ 0.33% above Kentucky avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.33% above avgNationally 2.66%
Details
Health Savings Account (HSA) Certificates
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Monthly
$500
3.14%
▲ 0.32% above Kentucky avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.32% above avgNationally 2.66%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Quarterly
$500
3.14%
▲ 0.32% above Kentucky avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.32% above avgNationally 2.66%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD Semi-Annually
$500
3.12%
▲ 0.30% above Kentucky avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.30% above avgNationally 2.66%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month CD
$500
3.10%
▲ 0.28% above Kentucky avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.28% above avgNationally 2.66%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Share Certificate 36 Month
$0
3.10%
▲ 0.28% above Kentucky avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.28% above avgNationally 2.66%
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 month Certificate
$0
3.10%
▲ 0.28% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.28% above avgNationally 2.66%
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Year Certificate
$1,000
3.03%
▲ 0.21% above Kentucky avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.21% above avgNationally 2.66%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
36 month IRA Certificate
$0
3.00%
▲ 0.18% above Kentucky avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.66%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
Traditional 36-Month Term
$500
3.00%
▲ 0.18% above Kentucky avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.66%
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Year
$500
3.00%
▲ 0.18% above Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.18% above avgNationally 2.66%
Details
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Year
$0
2.94%
▲ 0.12% above Kentucky avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.12% above avgNationally 2.66%
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36 Month CD
$0
2.93%
▲ 0.11% above Kentucky avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▲ 0.11% above avgNationally 2.66%
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Year Term
$0
2.80%
▼ 0.02% below Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▼ 0.02% below avgNationally 2.66%
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Years
$0
2.80%
▼ 0.02% below Kentucky avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▼ 0.02% below avgNationally 2.66%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
3-Year Bump Certificate
$0
2.80%
▼ 0.02% below Kentucky avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▼ 0.02% below avgNationally 2.66%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
3-Year IRA/HSA Bump Certificate
$0
2.80%
▼ 0.02% below Kentucky avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▼ 0.02% below avgNationally 2.66%
Details
ARH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36-Months
$0
2.79%
▼ 0.03% below Kentucky avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.82%▼ 0.03% below avgNationally 2.66%
Details
Mccarr 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
CESA 4 YEAR
$100
4.09%
▲ 1.23% above Kentucky avg
▼
Rate4.09%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 1.23% above avgNationally 2.65%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 48 mo.
$100
3.75%
▲ 0.89% above Kentucky avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.89% above avgNationally 2.65%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month
$0
3.75%
▲ 0.89% above Kentucky avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.89% above avgNationally 2.65%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$1,000
3.75%
▲ 0.89% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.89% above avgNationally 2.65%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month IRA
$1,000
3.75%
▲ 0.89% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.89% above avgNationally 2.65%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 48 Month
$1,000
3.75%
▲ 0.89% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.89% above avgNationally 2.65%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 48-Month
$1,000
3.75%
▲ 0.89% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.89% above avgNationally 2.65%
Details
All rates are Annual Percentage Yields.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 months
$500
3.75%
▲ 0.89% above Kentucky avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.89% above avgNationally 2.65%
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Certificates 48 Months
$0
3.75%
▲ 0.89% above Kentucky avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.89% above avgNationally 2.65%
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
3.68%
▲ 0.82% above Kentucky avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.82% above avgNationally 2.65%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4 Year Fixed
$1,000
3.55%
▲ 0.69% above Kentucky avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.69% above avgNationally 2.65%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 48 mo.
$1,000
3.50%
▲ 0.64% above Kentucky avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.64% above avgNationally 2.65%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4 Year
$1,000
3.50%
▲ 0.64% above Kentucky avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.64% above avgNationally 2.65%
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts - 48 Month
$0
3.50%
▲ 0.64% above Kentucky avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.64% above avgNationally 2.65%
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
48 Month Certificate
$0
3.39%
▲ 0.53% above Kentucky avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.53% above avgNationally 2.65%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
48 Month
$500
3.35%
▲ 0.49% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.49% above avgNationally 2.65%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Share Certificate 48 Month Jumbo
$0
3.35%
▲ 0.49% above Kentucky avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.49% above avgNationally 2.65%
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 48-Months
$0
3.35%
▲ 0.49% above Kentucky avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.49% above avgNationally 2.65%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Certificate of Deposit
$0
3.30%
▲ 0.44% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.44% above avgNationally 2.65%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Individual Retirement Account (IRA)
$0
3.30%
▲ 0.44% above Kentucky avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.44% above avgNationally 2.65%
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48 Month
$0
3.30%
▲ 0.44% above Kentucky avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.44% above avgNationally 2.65%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Monthly
$500
3.25%
▲ 0.39% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.39% above avgNationally 2.65%
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4 Year
$0
3.25%
▲ 0.39% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.39% above avgNationally 2.65%
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
4 Year
$500
3.25%
▲ 0.39% above Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.39% above avgNationally 2.65%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Quarterly
$500
3.24%
▲ 0.38% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.38% above avgNationally 2.65%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD Semi-Annually
$500
3.23%
▲ 0.37% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.37% above avgNationally 2.65%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month CD
$500
3.20%
▲ 0.34% above Kentucky avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.34% above avgNationally 2.65%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
48 Month
$0
3.13%
▲ 0.27% above Kentucky avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.27% above avgNationally 2.65%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA 48 Month
$0
3.13%
▲ 0.27% above Kentucky avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.27% above avgNationally 2.65%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA Certificate 48 Month
$0
3.13%
▲ 0.27% above Kentucky avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.27% above avgNationally 2.65%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificate 48 Month
$0
3.13%
▲ 0.27% above Kentucky avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.27% above avgNationally 2.65%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Share Certificate 48 Month
$0
3.10%
▲ 0.24% above Kentucky avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.24% above avgNationally 2.65%
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
48 month Certificate
$0
3.00%
▲ 0.14% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.14% above avgNationally 2.65%
Details
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
2.95%
▲ 0.09% above Kentucky avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▲ 0.09% above avgNationally 2.65%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4 Year
$500
2.85%
▼ 0.01% below Kentucky avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.01% below avgNationally 2.65%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
48 month IRA Certificate
$0
2.80%
▼ 0.06% below Kentucky avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.06% below avgNationally 2.65%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
Traditional 48 Month Term
$500
2.80%
▼ 0.06% below Kentucky avg
▼
Rate2.76%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.06% below avgNationally 2.65%
Details
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4 Year
$0
2.78%
▼ 0.08% below Kentucky avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.08% below avgNationally 2.65%
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
4 Year Certificate
$1,000
2.50%
▼ 0.36% below Kentucky avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.36% below avgNationally 2.65%
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates & IRAs 4 Year
$0
2.50%
▼ 0.36% below Kentucky avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.36% below avgNationally 2.65%
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
4 Years
$0
2.50%
▼ 0.36% below Kentucky avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.36% below avgNationally 2.65%
Details
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
4 YEAR CD
$500
2.25%
▼ 0.61% below Kentucky avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.61% below avgNationally 2.65%
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4 Years
$0
2.20%
▼ 0.66% below Kentucky avg
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.66% below avgNationally 2.65%
Details
Certificate of Deposit
Chemco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
48-Month Certiciate
$0
2.12%
▼ 0.74% below Kentucky avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.74% below avgNationally 2.65%
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
4 Year Fixed Rate Jumbo IRA
$100,000
2.00%
▼ 0.86% below Kentucky avg
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.86% below avgNationally 2.65%
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
4 Year Jumbo Certificate
$100,000
2.00%
▼ 0.86% below Kentucky avg
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 0.86% below avgNationally 2.65%
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
48 Month CD
$0
1.71%
▼ 1.15% below Kentucky avg
▼
Rate1.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 1.15% below avgNationally 2.65%
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
4 Year CD
$500
1.00%
▼ 1.86% below Kentucky avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 19, 2026
Kentucky Average2.86%▼ 1.86% below avgNationally 2.65%
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
48 Month
$1,000
1.00%
▼ 1.86% below Kentucky avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 1.86% below avgNationally 2.65%
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
4 Year Certificate
$500
1.00%
▼ 1.86% below Kentucky avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.86%▼ 1.86% below avgNationally 2.65%
Details
Mccarr 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PBT Bancorp
Institution Rating:
B+4.7 ★Texas Ratio: 18.44%
CESA 5 YEAR
$100
4.18%
▲ 1.27% above Kentucky avg
▼
Rate4.18%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 1.27% above avgNationally 2.76%
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60 months
$500
3.80%
▲ 0.89% above Kentucky avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.89% above avgNationally 2.76%
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
Certificates 60 Months
$0
3.80%
▲ 0.89% above Kentucky avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.89% above avgNationally 2.76%
Details
Cecilian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Fixed 60 mo.
$1,000
3.75%
▲ 0.84% above Kentucky avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.76%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month
$0
3.75%
▲ 0.84% above Kentucky avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.76%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
3.75%
▲ 0.84% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.76%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month IRA
$1,000
3.75%
▲ 0.84% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.76%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 60 Month
$1,000
3.75%
▲ 0.84% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.76%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 60-Month
$1,000
3.75%
▲ 0.84% above Kentucky avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.84% above avgNationally 2.76%
Details
All rates are Annual Percentage Yields.
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$0
3.68%
▲ 0.77% above Kentucky avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.77% above avgNationally 2.76%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
5 Year Fixed
$1,000
3.55%
▲ 0.64% above Kentucky avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.64% above avgNationally 2.76%
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
5 Year
$1,000
3.50%
▲ 0.59% above Kentucky avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.59% above avgNationally 2.76%
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year IRA (Traditional/Roth)
$0
3.50%
▲ 0.59% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.59% above avgNationally 2.76%
Details
IRA share certificates have a minimum balance of $1,000.00
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Share/IRA Certificates 60-Months
$0
3.50%
▲ 0.59% above Kentucky avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.59% above avgNationally 2.76%
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts - 60 Month
$0
3.50%
▲ 0.59% above Kentucky avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.59% above avgNationally 2.76%
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
60 Month Certificate
$0
3.49%
▲ 0.58% above Kentucky avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.58% above avgNationally 2.76%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
60 Month
$500
3.45%
▲ 0.54% above Kentucky avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.54% above avgNationally 2.76%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Share Certificate 60 Month Jumbo
$0
3.45%
▲ 0.54% above Kentucky avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.54% above avgNationally 2.76%
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60 Month
$0
3.41%
▲ 0.50% above Kentucky avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.50% above avgNationally 2.76%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Monthly
$500
3.35%
▲ 0.44% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.44% above avgNationally 2.76%
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5 Year
$500
3.35%
▲ 0.44% above Kentucky avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.44% above avgNationally 2.76%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Quarterly
$500
3.34%
▲ 0.43% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.43% above avgNationally 2.76%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD Semi-Annually
$500
3.33%
▲ 0.42% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.42% above avgNationally 2.76%
Details
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month CD
$500
3.30%
▲ 0.39% above Kentucky avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.39% above avgNationally 2.76%
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.26%
Share Certificate 60 Month
$0
3.20%
▲ 0.29% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.29% above avgNationally 2.76%
Details
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
60 Month
$0
3.18%
▲ 0.27% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.27% above avgNationally 2.76%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA 60 Month
$0
3.18%
▲ 0.27% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.27% above avgNationally 2.76%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
IRA Certificate 60 Month
$0
3.18%
▲ 0.27% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.27% above avgNationally 2.76%
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificate 60 Month
$0
3.18%
▲ 0.27% above Kentucky avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.27% above avgNationally 2.76%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate of Deposit
$0
3.10%
▲ 0.19% above Kentucky avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.19% above avgNationally 2.76%
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Individual Retirement Account (IRA)
$0
3.10%
▲ 0.19% above Kentucky avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.19% above avgNationally 2.76%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
5-Year Certificate
$0
3.05%
▲ 0.14% above Kentucky avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.14% above avgNationally 2.76%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
Business 5-Year Certificate
$0
3.05%
▲ 0.14% above Kentucky avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.14% above avgNationally 2.76%
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
60 month Certificate
$0
3.00%
▲ 0.09% above Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.09% above avgNationally 2.76%
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
5 Year
$500
2.95%
▲ 0.04% above Kentucky avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▲ 0.04% above avgNationally 2.76%
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5 Year Term
$0
2.90%
▼ 0.01% below Kentucky avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.01% below avgNationally 2.76%
Details
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5 Years
$0
2.90%
▼ 0.01% below Kentucky avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.01% below avgNationally 2.76%
Details
Metro Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
5 Year
$0
2.89%
▼ 0.02% below Kentucky avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.02% below avgNationally 2.76%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
5-Year Bump Certificate
$0
2.70%
▼ 0.21% below Kentucky avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.21% below avgNationally 2.76%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
5-Year IRA Bump Certificate
$0
2.70%
▼ 0.21% below Kentucky avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.21% below avgNationally 2.76%
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
5 Years
$0
2.60%
▼ 0.31% below Kentucky avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.31% below avgNationally 2.76%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
60 month IRA Certificate
$0
2.60%
▼ 0.31% below Kentucky avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.31% below avgNationally 2.76%
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
Traditional 60-Month Term
$500
2.60%
▼ 0.31% below Kentucky avg
▼
Rate2.57%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.31% below avgNationally 2.76%
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5 Year Certificate
$1,000
2.50%
▼ 0.41% below Kentucky avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.41% below avgNationally 2.76%
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates & IRAs 5 Year
$0
2.50%
▼ 0.41% below Kentucky avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.41% below avgNationally 2.76%
Details
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - 60 Month CD
$0
2.45%
▼ 0.46% below Kentucky avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.46% below avgNationally 2.76%
Details
IRA
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
5 Years
$0
2.25%
▼ 0.66% below Kentucky avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.66% below avgNationally 2.76%
Details
Certificate of Deposit
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Fixed Rate - 60 Months
$0
2.25%
▼ 0.66% below Kentucky avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.66% below avgNationally 2.76%
Details
Individual Retirement Accounts
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
60 Month Fixed
$0
2.00%
▼ 0.91% below Kentucky avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.91% below avgNationally 2.76%
Details
FNB of Grayson
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
5 Year Jumbo Certificate
$100,000
2.00%
▼ 0.91% below Kentucky avg
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Kentucky Average2.91%▼ 0.91% below avgNationally 2.76%
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.
Mccarr, KY CD Rate Trends
Compare local Mccarr, 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
2.536%
▼ 0.255 vs 7 days ago
Kentucky 12-month CD rates fell 0.255 points over the past 7 days to 2.536% APY.
6-Month CD — KY Avg
2.775%
▲ 0.123 vs 7 days ago
Kentucky 6-month CD rates rose 0.123 points over the past 7 days to 2.775% APY.
As of Aug 30, 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 August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KY 12-Month Avg APY
2.536%
6-Month Forecast
2.536%
Range: 2.34% – 2.69%
12-Month Forecast
2.286%
Range: 2.09% – 2.44%
Powered by
MonitorBankRates
What Your Savings Earn at KY CD Rates Today
Annual interest earnings at today’s Kentucky average APYs. State average used where available; national average as fallback.
| CD Term | KY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.581% | $79.04 | $158.07 | $395.18 | $790.35 |
| 6-Month CD | 2.775% | $138.75 | $277.49 | $693.73 | $1,387.45 |
| 12-Month CD | 2.536% | $126.80 | $253.60 | $634.00 | $1,268.00 |
| 18-Month CD | 2.799% | $139.96 | $279.92 | $699.80 | $1,399.60 |
| 24-Month CD | 2.823% | $141.17 | $282.33 | $705.83 | $1,411.65 |
| 36-Month CD | 2.816% | $140.81 | $281.62 | $704.05 | $1,408.10 |
| 48-Month CD | 2.861% | $143.05 | $286.10 | $715.25 | $1,430.50 |
| 60-Month CD | 2.910% | $145.49 | $290.98 | $727.45 | $1,454.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Mccarr, Kentucky Savers
$25,000 split equally across 5 terms using today’s Kentucky average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | KY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.581% | $79.04 |
| 2 | 6-Month CD | $5,000 | 2.775% | $138.75 |
| 3 | 12-Month CD | $5,000 | 2.536% | $126.80 |
| 4 | 24-Month CD | $5,000 | 2.823% | $141.17 |
| 5 | 36-Month CD | $5,000 | 2.816% | $140.81 |
| Total ($25,000 invested) | $25,000 | 2.506% blended | $626.57/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.
482
CD Rates
Tracked in Mccarr, Kentucky
Tracked in Mccarr, Kentucky
30 Banks
27 Credit Unions
About Our Mccarr, Kentucky CD Rate Database
MonitorBankRates tracks 482 CD rates from 30 banks and 27 credit unions with locations in Mccarr, Kentucky, plus national online institutions available to Kentucky residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Commonwealth Credit Union Frankfort, KY offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Mccarr, Kentucky.
How to Find the Best CD Rates in Mccarr, Kentucky
What to compare when shopping for a CD in Mccarr, Kentucky
To find the best APYs in Mccarr, Kentucky, start with credit unions and online-only banks — Mccarr, Kentucky has 27 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 Mccarr, 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 Mccarr, Kentucky — 57 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Mccarr, Kentucky savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Mccarr, 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
$103/yr
At KY 12-mo avg 2.536% 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 2.536%, saving 10% of the local median salary ($4,063/year) and putting it in a CD would earn an additional $103 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 Mccarr, 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 Mccarr, 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 Mccarr, 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 Mccarr, Kentucky as everywhere in the U.S.
Choosing a CD Term in Mccarr, 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 Mccarr, Kentucky savers easier access to their funds. For example, General Electric Credit Union is offering its 6-month intro at 4.99% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, PBT Bancorp is offering its CESA 5 YEAR at 4.18% 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 Mccarr, 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 Mccarr, 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 Mccarr, 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 Mccarr, 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 Mccarr, Kentucky
Most CDs carry a fixed rate that is locked for the entire term, protecting a Mccarr, 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 Mccarr, Kentucky
Are CD rates in Mccarr, Kentucky FDIC insured?
Yes, most established banks in Mccarr, 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 Mccarr, 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 Mccarr, 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 Mccarr, 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 Mccarr, Kentucky?
Here are recent top rates found for this area:
- Commonwealth Credit Union Frankfort, KY: 5.00% APY (Grow with Me 12-Month Certificate)
- General Electric Credit Union: 4.99% APY (6-month intro)
- PBT Bancorp: 4.25% APY (1 YEAR CD)
- Bank of Lexington: 4.25% APY (12-Month CD)
- Lincoln Bank of Hodgenville: 4.20% APY (18 Month Certificate of Deposit)
- Eclipse Bank: 4.20% APY (12-month CD)
- American Bank & Trust Co, Inc.: 4.10% APY (12 Month Certificate of Deposit)
- Meade County Bank: 4.10% APY (6-Month CD)
- Peoples Bank Lebanon, KY: 4.07% APY (3 Month CD)
- C-Plant Federal Credit Union: 4.07% APY (24 Month Certificate)
Rates reflect recent verified offers available in Mccarr, Kentucky. Last Updated: August 28, 2026
Mccarr, 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 Mccarr, Kentucky rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Mccarr, Kentucky
Mccarr, 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.
Mccarr, Kentucky CD LadderKY CD rates currently range from 1.581% (3-month) to 2.816% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mccarr, 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 2.536% 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 Mccarr, 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 Mccarr, 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 Mccarr, 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: August 28, 2026
Mccarr, Kentucky Rates & Resources
Mccarr, Kentucky Mortgage Rates
Mccarr, Kentucky Home Equity Loan Rates
Mccarr, Kentucky Savings Rates
Mccarr, Kentucky Money Market Rates
Mccarr, Kentucky Checking Rates
Mccarr, Kentucky Auto Loan Rates
Mccarr, Kentucky Personal Loan Rates
Mccarr, Kentucky Homeowners Insurance
Mccarr, Kentucky Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking