Best Money Market Rates in Kentucky (KY) - May 2026
Content reviewed by
Brian McKay
i
Editorial 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 Kentucky money market deposit account rates include Beacon Community Credit UnionBeacon Community Credit Union7910 National Tpke, Louisville, KY 40214A+5.0 ★Texas Ratio: 1.73% Money Market Accounts at 4.00% APY, The Huntington National BankThe Huntington National Bank2514 Dixie Hwy, Fort Mitchell, KY 41017A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.82% APY, Citizens BankCitizens Bank332 15th St, Ashland, KY 41101A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.531 Lovers Ln, Bowling Green, KY 42103A+5.0 ★Texas Ratio: 1.55% Money Market (Personal) at 3.70% APY, and WesBanco BankWesBanco Bank128 S Main St, Lawrenceburg, KY 40342A+5.0 ★Texas Ratio: 1.63% Money Market Special at 3.50% APY. Money market rates as of May 4, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Kentucky side-by-side. Kentucky money market rates currently reach as high as 4.00% APY from Beacon Community Credit Union at 7910 National Tpke, Louisville, KY 40214. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Kentucky and surrounding area. Last Updated and Verified: May 4, 2026
Compare the Best Money Market Rates Today in Kentucky
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Beacon Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
Money Market Accounts
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
High Yield Checking restrictions apply
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
As High As
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
High Yield Money Market*
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Qualifications Required: High Yield Checking account required; Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers; Dividend Calculated Daily; Frequency of Compounding Quarterly
WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
128 S Main St, Lawrenceburg, KY 40342
Money Market Special
3.50%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $25,000.00; New money only - offer only valid for funds not currently on deposit with WesBanco Bank. New funds deposited to a WesBanco deposit account within 30 days of opening the money market may qualify as new money. Must have an active WesBanco checking account.
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
100 Main St, Calhoun, KY 42327
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
131 Gold Vault Rd, Fort Knox, KY 40121
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
Money Market Account
2.63%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.35%
$0
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
Money Market Account
2.33%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
Money Market
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
APY* up to 2.27%
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Money Market Checking
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.20%
$0
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
Money Market Accounts
2.13%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
Money Market Account
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
1.85%
$0
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
Thrive Money Market
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY 41076 1440
IRA Money Market
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Up to $99.99
Metro Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
1306 VERSAILLES RD STE 140, Lexington, KY 40504 1795
Money Market
1.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
As high as
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Money Market Checking
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Money Market
1.61%
$0
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
For balances over $100,000.01
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY 42104 3383
Money Market Account
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.50%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
Money Market Accounts
1.49%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Money Market
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.40%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY 42104 3383
Money Market Account
1.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.30%
$0
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
For balances between $50,000.01 and $100,000.00
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY 41101 7514
Money Market Account
1.26%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Money Market Checking
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
Money Market Accounts
1.24%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Money Market
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.20%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY 42104 3383
Money Market Account
1.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Farmers Bank Nicholasville, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
200 N Main St, Nicholasville, KY 40356
Premium Money Market Account Daily Balance >=
1.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$10,000
Farmers Bank Nicholasville, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
200 N Main St, Nicholasville, KY 40356
Premium Money Market Account
1.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Money Market
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.10%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY 41102
Money Market
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
For balances between $500.00 and $50,000.00
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY 42104 3383
Money Market Account
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
Money Market Accounts
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Money Market Plus
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$250,000+; Dividend Calculated Daily; Frequency of Compounding Quarterly
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business High Yield Money Market and up)
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$250,000; Subject to Change Daily
Farmers Bank Nicholasville, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
200 N Main St, Nicholasville, KY 40356
Premium Money Market Account Daily Balance <
1.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details
$10,000
Farmers Bank Nicholasville, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
200 N Main St, Nicholasville, KY 40356
Premium Money Market Account
1.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $10,000.00
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Farmers Bank Nicholasville, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
200 N Main St, Nicholasville, KY 40356
Money Market Investment Account
0.90%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Money Market Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY 42104 3383
Money Market Account
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Money Market Plus -249,999
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$50,000; Dividend Calculated Daily; Frequency of Compounding Quarterly
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business High Yield Money Market
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
$100,000-$249,999.99; Subject to Change Daily
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
Money Market Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
Money Market Account
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Bank of Hindman
Institution Rating:
B-4.4 ★ Texas Ratio: 22.36%
1362 Hindman Byp, Hindman, KY 41822
Money Market Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
Super Money Market Savings
0.30%
$25,000
▼
Rate0.30%
Min Deposit$25,000
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $25,000.00
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
Money Market Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Bank of Hindman
Institution Rating:
B-4.4 ★ Texas Ratio: 22.36%
1362 Hindman Byp, Hindman, KY 41822
Money Market Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Peoples Bank Taylorsville, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
23 W Main St, Taylorsville, KY 40071
Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
Business Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
Money Market Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
Premier Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
Money Market Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
Money Market Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
Hi Fi Account (Tiered Money Market)
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Citizens Private Client® Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
Premier Money Market
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
118 S Main St, Leitchfield, KY 42754
Money Market Advantage Balance
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
200 S Carol Malone Blvd, Grayson, KY 41143
Money Market Savings
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $24,999.99
Town & Country B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
148 S Main St, New Haven, KY 40051
Money Market Account
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
Hi Fi Account (Tiered Money Market)
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
41 Lincoln Sq, Hodgenville, KY 42748
Business Money Market and Money Market Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Kentucky and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Kentucky Money Market Rate Trends
Compare local Kentucky money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — KY Avg
3.524%
▼ 0.019 vs 7 days ago
Kentucky high-yield MMA rates fell 0.019 points over the past 7 days to 3.524% APY.
Standard MMA — KY Avg
0.690%
▼ 0.163 vs 7 days ago
Kentucky standard MMA rates fell 0.163 points over the past 7 days to 0.690% APY.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Kentucky directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Kentucky. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in KY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Kentucky
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Kentucky.
Are Money Market accounts in Kentucky safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Kentucky up to $250,000 per depositor, per institution.
How often do MMA rates change in Kentucky?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Kentucky rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Kentucky?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Kentucky require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Kentucky
Here are some of the highest money market account APYs currently available in Kentucky:
- Beacon Community Credit Union
Money Market Accounts — 4.00% APY - The Huntington National Bank
High-Yield Money Market — 3.82% APY - Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - American Bank & Trust Co, Inc.
Money Market (Personal) — 3.70% APY - WesBanco Bank
Money Market Special — 3.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 4, 2026
Cities in Kentucky
Rate Assistant
MonitorBankRates.com · Live Data
Try asking