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Best Banks & Checking Accounts in Ashland, Kentucky - May 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 4, 2026

The best checking rates for Ashland, Kentucky include Members Choice Credit Union Ashland, KYMembers Choice Credit Union Ashland, KY1315 CANNONSBURG RD, ASHLAND, KY 41102A5.0 ★Texas Ratio: 7.39% MyChoice Advantage (Checking) at 5.00% APY, Desco Federal Credit UnionDesco Federal Credit Union1211 Carter Ave, Ashland, KY 41101 7514A+5.0 ★Texas Ratio: 2.81% Advantage Plus Checking Account at 0.85% APY, Ashland Credit UnionAshland Credit Union1300 CENTRAL AVE, ASHLAND, KY 41101 7550A5.0 ★Texas Ratio: 8.70% Checking at 0.50% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionB4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY, and American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.A+5.0 ★Texas Ratio: 1.55% American Incentive Checking at 4.00% APY. Checking account rates as of May 4, 2026 according to verified data from MonitorBankRates.

Ashland has 3 local institutions in our database, with checking rates as high as 5.00% APY from Members Choice Credit Union Ashland, KY at 1315 CANNONSBURG RD, ASHLAND, KY, 41102. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Ashland, Kentucky. Checking Account Rates Last Updated and Verified: May 4, 2026

Compare Checking Account Rates Today in Ashland, Kentucky & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD
ASHLAND, KY 41102
MyChoice Advantage (Checking)
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$100,000+; Dividends Compounded Daily; Dividends Paid Monthly

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking Account
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$50,000 to $99,999; Dividends Compounded Daily; Dividends Paid Monthly

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking Account
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$10,000 to $49,999; Dividends Compounded Daily; Dividends Paid Monthly

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking Account
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$500 to $9,999; Dividends Compounded Daily; Dividends Paid Monthly

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
1300 CENTRAL AVE
ASHLAND, KY 41101 7550
Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$0 to $499; Dividends Compounded Daily; Dividends Paid Monthly

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD
ASHLAND, KY 41102
MyChoice Advantage (Checking)
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Plus Checking Account
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave
Ashland, KY 41101 7514
Advantage Checking Account
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
American Incentive Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
High Yield Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$0 - $15,000; Dividend Calculated Daily; Frequency of Compounding Daily

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Opulent Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $250,000

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Presidential Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Presidential Checking
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Presidential Checking
1.80%
$0
View
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Presidential Checking
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Presidential Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Free Personal Checking
0.10%
$5
View
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Town & Country B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Worry Free Checking*
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Daily Balances of: up to $9,999.99

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Student Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Student Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Business Interest Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Business Checking
0.35%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Business Checking
0.28%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Business Checking
0.21%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Lincoln's Elite Checking Business
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Business Checking
0.14%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Business Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Lincoln's Elite Checking Business
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Advantage Business Checking and up)
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$5,000; Subject to Change Monthly

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Premier Business Checking and up)
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$5,000; Subject to Change Monthly

Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Business Checking
0.07%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Premier Business Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$0-$4,999; Subject to Change Monthly

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Advantage Business Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$1,500-$4,999; Subject to Change Monthly

Ashland, KY Checking Rate Trends

Compare local Ashland, KY checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Kentucky Checking Trends →
High-Yield Checking — KY Avg
1.760%
▼ 0.212 vs 7 days ago

Kentucky high-yield checking rates fell 0.212 points over the past 7 days to 1.760% APY.

Free Checking — KY Avg
1.232%
▼ 0.373 vs 7 days ago

Kentucky free checking rates fell 0.373 points over the past 7 days to 1.232% APY.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Ashland, Kentucky directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Ashland, Kentucky. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in KY.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Ashland, Kentucky earn interest?

Most traditional local checking accounts in Ashland, Kentucky earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Ashland, Kentucky FDIC insured?

Yes. Legitimate banks with branches in Ashland, Kentucky are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Ashland, Kentucky

Based on our current data, some of the highest checking account APYs available to residents of Ashland, Kentucky include:
  • Members Choice Credit Union Ashland, KY
    MyChoice Advantage (Checking) — 5.00% APY
  • Desco Federal Credit Union
    Advantage Plus Checking Account — 0.85% APY
  • Ashland Credit Union
    Checking — 0.50% APY
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
  • American Bank & Trust Co, Inc.
    American Incentive Checking — 4.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ashland, Kentucky. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 4, 2026

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