Best Money Market Rates in Ashland, Kentucky (KY) - May 2026
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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 Ashland, Kentucky and the surrounding area money market deposit account rates include Citizens BankCitizens Bank332 15th St, Ashland, KY 41101A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Desco Federal Credit UnionDesco Federal Credit Union1211 Carter Ave, Ashland, KY 41101 7514A+5.0 ★Texas Ratio: 2.81% Money Market Account at 2.63% APY, FNB of GraysonFNB of Grayson12496 Us Route 60, Ashland, KY 41102A+5.0 ★Texas Ratio: 3.44% Super Money Market Savings at 0.30% APY, Beacon Community Credit UnionBeacon Community Credit UnionA+5.0 ★Texas Ratio: 1.73% Money Market Accounts at 4.00% APY, and Service One Credit UnionService One Credit UnionA5.0 ★Texas Ratio: 12.56% Premium Money Market at 4.00% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.
Ashland has 3 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 332 15th St, Ashland, KY 41101. Use the table below to compare all available offers, including options from institutions serving the broader Kentucky area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Ashland, Kentucky and surrounding area. Last Updated and Verified: May 15, 2026
Compare the Best Money Market Rates Today in Ashland, Kentucky & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
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
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—
UpdatedMay 7, 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—
UpdatedMay 7, 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—
UpdatedMay 7, 2026
Details
FNB of Grayson
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
12496 Us Route 60, Ashland, KY 41102
Super Money Market Savings
0.30%
$25,000
▼
Rate0.30%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
$25,000.00 +
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
FNB of Grayson
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
12496 Us Route 60, Ashland, KY 41102
Money Market Savings
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
$2,500.00- $24,999.99
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Citizens Quest® Money Market
0.03%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Premium Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Beacon Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Money Market Accounts
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Avg Balance up to $10K
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Premium Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
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%
Money Market (Personal)
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Money Market Special
3.50%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
With a minimum of $25k new money
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Business High Yield Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $250,000.00
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
Premier Money Market Special
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Business Money Market Accounts
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Money Market Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
As High As
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
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%
Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Premium Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
Premium Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Business Money Market Accounts
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Money Market Savings Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Business Money Market Accounts
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Money Market Account
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Business High Yield Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $249,999.99
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Business Money Market Accounts
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Business Money Market Accounts
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Consumer Money Market Accounts
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Money Market Savings Account
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Money Market (Business)
2.35%
$0
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Money Market
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rates are subject to change at any time and are not guaranteed.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Consumer Money Market Accounts
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Money Market Checking
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Money Market
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Money Market Accounts with Park Perks
2.25%
$250,000
▼
Rate2.23%
Min Deposit$250,000
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Money Market (Business)
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
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%
Money Market (Business)
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Business Money Market Accounts
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Money Market Accounts
2.13%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Consumer Money Market Accounts
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Money Market Savings Account
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
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%
Money Market (Business)
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Business Money Market Accounts
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Business High Yield Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $99,999.99
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Money Market Accounts
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
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%
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%
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%
Money Market (Business)
1.85%
$0
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bank of Hindman
Institution Rating:
B-4.4 ★ Texas Ratio: 22.36%
Money Market Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Sacramento Deposit Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Money Market Account
0.25%
$25,000
▼
Rate0.25%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
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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 Ashland, 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.
Ashland, KY Money Market Rate Trends
Compare local Ashland, KY 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%
Unchanged vs 7 days ago
Kentucky high-yield MMA rates currently average 3.524% APY.
Standard MMA — KY Avg
0.626%
Unchanged vs 7 days ago
Kentucky standard MMA rates currently average 0.626% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ashland, Kentucky money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Ashland, 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 Ashland, 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 Ashland, 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 Ashland, 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 Ashland, 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 Ashland, 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 Ashland, 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 Ashland, Kentucky
Here are some of the highest money market account APYs currently available in Ashland, Kentucky and the surrounding area:
- Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Desco Federal Credit Union
Money Market Account — 2.63% APY - FNB of Grayson
Super Money Market Savings — 0.30% APY - Beacon Community Credit Union
Money Market Accounts — 4.00% APY - Service One Credit Union
Premium Money Market — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ashland, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 15, 2026
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