Ashland, Kentucky Money Market Rates - October 2026
Brian McKay
Brian McKay
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Ashland, Kentucky money market account rates range from 0.02% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Ashland, Kentucky and the surrounding area money market deposit account rates include Citizens BankCitizens Bank332 15th St, Ashland, KY 41101A+5.0 ★Texas Ratio: 5.44%Real return: +0.70%APY minus 2.8% CPI (February 2026) Citizens Private Client Money Market - Preferred at 3.50% APY, Community Trust BankCommunity Trust Bank1544 Winchester Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 3.53%Real return: +0.69%APY minus 2.8% CPI (February 2026) Preferred Index Money Market at 3.49% APY, Desco Federal Credit UnionDesco Federal Credit Union1211 Carter Ave, Ashland, KY 41101 7514A+5.0 ★Texas Ratio: 2.51%Real return: +0.09%APY minus 2.8% CPI (February 2026) Money Market Accounts at 2.89% APY, Members Choice Credit Union Ashland, KYMembers Choice Credit Union Ashland, KY1315 CANNONSBURG RD, ASHLAND, KY 41102A+5.0 ★Texas Ratio: 5.97%Real return: -1.29%APY minus 2.8% CPI (February 2026) Money Market at 1.51% APY, and Kentucky Farmers BankKentucky Farmers Bank6313 Us Route 60, Ashland, KY 41102A+5.0 ★Texas Ratio: 1.41%Real return: -1.55%APY minus 2.8% CPI (February 2026) Money Market Plus Business at 1.25% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Ashland has 7 local institutions in our database, with money market rates as high as 3.50% 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, so 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: October 14, 2026
Compare the Best Money Market Rates Today in Ashland, Kentucky & the Surrounding Area
Rhode Island rates; requires Citizens Private Client Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Private Client Checking; includes unlimited rebates on ATM fees charged by other banks; rates apply to new accounts and are variable
Rhode Island rates; requires Citizens Quest Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Balance: $250,000.00 and Greater; Tier 6; Rate tied to 13 Week T-Bill minus 0.75% margin
- Oct 14, 20263.49%▲ from 3.47%
- Oct 2, 20263.47%▲ from 3.41%
- Sep 24, 20263.41%▲ from 3.37%
- Sep 18, 20263.37%▲ from 3.19%
Balance: $100,000.00 - $249,999.99; Tier 5; Rate tied to 13 Week T-Bill minus 1.00% margin
- Oct 14, 20263.24%▲ from 3.22%
- Oct 2, 20263.22%▲ from 3.15%
- Sep 24, 20263.15%▲ from 3.11%
- Sep 18, 20263.11%▲ from 2.93%
Balance: $50,000.00 - $99,999.99; Tier 4; Rate tied to 13 Week T-Bill minus 1.25% margin
- Oct 14, 20262.98%▲ from 2.96%
- Oct 2, 20262.96%▲ from 2.90%
- Sep 24, 20262.90%▲ from 2.86%
- Sep 18, 20262.86%▲ from 2.67%
Balance: $1,000,000.00 and over; Monthly Fee: $7.00; Active checking account required to earn rates; Regular Savings rate applies if conditions not met
- Oct 13, 20262.89%▲ from 0.20%
- Sep 18, 20260.20%first recorded
Balance: $25,000.00 - $49,999.99; Tier 3; Rate tied to 13 Week T-Bill minus 1.50% margin
- Oct 14, 20262.72%▲ from 2.70%
- Oct 2, 20262.70%▲ from 2.64%
- Sep 24, 20262.64%▲ from 2.60%
- Sep 18, 20262.60%▲ from 2.42%
Balance: $500,000.00 - $999,999.99; Monthly Fee: $7.00; Active checking account required to earn rates; Regular Savings rate applies if conditions not met
- Oct 13, 20262.58%▲ from 0.20%
- Sep 18, 20260.20%first recorded
Balance: All Amounts
Balance: $10,000.00 - $499,999.99; Monthly Fee: $7.00; Active checking account required to earn rates; Regular Savings rate applies if conditions not met
- Oct 13, 20262.28%▲ from 0.20%
- Sep 18, 20260.20%first recorded
Balance: $2,500.00 - $24,999.99; Tier 2; Rate tied to 13 Week T-Bill minus 2.50% margin
- Oct 14, 20261.70%▲ from 1.68%
- Oct 2, 20261.68%▲ from 1.62%
- Sep 24, 20261.62%▲ from 1.58%
- Sep 18, 20261.58%▲ from 1.40%
Balance: $100,000.01 and over; Compounds Daily; Dividends Paid Monthly
Balance: $50,000.01 to $100,000; Compounds Daily; Dividends Paid Monthly
Balance: $100,000 and above; Compounds Monthly
Balance: $100,000 and above; Service charge of $10.00 monthly if daily balance falls below $25,000; Compounds Monthly
Balance: $500 to $50,000; Compounds Daily; Dividends Paid Monthly
Balance: $25,000 - $99,999.99; Compounds Monthly
Balance: $25,000 - $99,999.99; Service charge of $10.00 monthly if daily balance falls below $25,000; Compounds Monthly
Balance: $.01 to $499.99; Compounds Daily; Dividends Paid Monthly
Balance: $25,000.00 +
- Oct 8, 20260.40%▲ from 0.30%
- Sep 14, 20260.30%first recorded
Compounds Monthly
Balance: $2,500.00- $24,999.99
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Silver Tier (Average Eligible Balance $25,000 to $99,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99
Balance: $1.00 - $9,999.99
Rhode Island rates; requires Citizens Quest Checking account; standard rate; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Balance: $0 - $2,499
Balance: 0 - $25,000
Balance: $500,000+; Dividend Period: Monthly; Effective Date: 10/1/2026
- Oct 5, 20264.07%▲ from 3.74%
- Sep 14, 20263.74%first recorded
Balance: $1,000,000 and over; Tiered
Balance: $1,000,000 or more
Qualifications Required: Qualifications Required; Avg Balance up to $10K; High Yield Checking restrictions apply
Balance: $400,000 and greater
Balance: $250,000 - $499,999.99; Dividend Period: Monthly; Effective Date: 10/1/2026
- Oct 5, 20263.82%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Balance: $500,000.00 and up
Balance: $1,000,000 >
Balance: $300,000.00 - $999,999.99; Tiered
Balance: $100,000 - $249,999.99; Dividend Period: Monthly; Effective Date: 10/1/2026
- Oct 5, 20263.57%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Balance: $100,000.00 - $299,999.99; Tiered
Balance: $500,000 or more
- Sep 24, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Promotional APY valid only for new money not currently on deposit with Blue Grass Federal; minimum average daily balance of $5,000 to avoid $10 monthly service fee; after 5 months minimum average daily balance is $10,000 and variable rate applies; if account closed before 150 days a $50 fee may be assessed; no more than 6 preauthorized, telephone, ACH, check, POS or Internet transactions per month
Qualifications Required; Balance: $25,000 and over; Requires High Yield Checking; 1.00% APY for average daily balances $25,000 and over if High Yield Checking requirements are not met (not extracted)
Balance: $500,000 and over
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $50,000 - $99,999.99; Dividend Period: Monthly; Effective Date: 10/1/2026
- Oct 5, 20263.32%▲ from 2.99%
- Sep 21, 20262.99%first recorded
Balance: $500,000 or more
- Sep 24, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Balance: $1,000,000 +
Balance: $100,000 & UP; Dividends earned daily and posted monthly
Earn 3.25% APY; dividends not earned if balance drops below $25,000; dividends earned daily and posted monthly; 6 withdrawals or transfers per month; rates can change weekly
Balance: $100,000 and up; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $100,000.00 and above
Balance: $500,000 - $999,999
Balance: $250,000 - $999,999
Balance: $350,000.00 - $499,999.99
Balance: $50,000 to $99,999.99; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $250,000 and up
Balance: $50,000.00 - $99,999.99
Balance: $250,000.00 to $399,999.99
Balance: $300,000 & greater
Balance: $150,000.00 - $349,999.99
Balance: $25,000 to $49,999.99; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $1,000 - $49,999.99; Dividend Period: Monthly; Effective Date: 10/1/2026
- Oct 5, 20262.82%▲ from 2.49%
- Sep 21, 20262.49%first recorded
Balance: $250,000 or more
Balance: $250,000 - $499,999
Balance: $50,000-$99,999.99; Dividends earned daily and posted monthly
Balance: $150,000 - $249,999
Balance: $25,000.00 - $49,999.99
Published APY range: 2.70%-3.75%; Published rate range: 2.67%-3.69%. Balance: $25,000.00 - $2,000,000.99; Rates based on zip code; Huntington Relationship Money Market Account; variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99; Initial minimum opening deposit must be New Money; Balances $2,000,001.00 and above currently earn 0.25% APY; Balances below $25,000.00 do not earn interest and may be subject to a $25.00 monthly maintenance fee
Balance: $10,000 to $24,999.99; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $2,500 to $9,999.99; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $500,000.00 and Over
Balance: $250,000 or more
Balance: $250,000 or more
Balance: $100,000 to $249,999.99
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $100,000 and up
Balance: $75,000 - $149,999
Balance: $10,000.00 - $24,999.99
Balance: $100,000 - $299,999
Balance: $300,000.00 - $999,999.99
Balance: $100,000.00 and over
Balance: $100,000 to $249,999.99
Balance: $100,000.00 - $299,999.99
Balance: $1,000,000.00 and over
Balance: $1,000,000.00
Balance: $50,000 - $99,999
Balance: $25,000-$49,999.99; Dividends earned daily and posted monthly
Balance: $10,000.00 - $149,499.99; $10.00 monthly fee if $10,000 balance is not maintained; interest not earned if balance drops below $10,000
- Oct 9, 20262.25%▼ from 3.75%
- Oct 5, 20263.75%▲ from 2.25%
- Sep 25, 20262.25%▼ from 3.75%
- Sep 21, 20263.75%first recorded
Balance: $750,000.00 and over
Balance: $250,000 & higher; With Park Perks**
- Oct 9, 20262.25%▲ from 1.10%
- Sep 14, 20261.10%first recorded
Balance: $50,000 to $99,999.99
Balance: $25,000 - $74,999
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.
Kentucky high-yield MMA rates fell 0.037 points over the past 7 days to 3.142% APY.
Kentucky standard MMA rates fell 0.038 points over the past 7 days to 0.482% APY.
Ashland, Kentucky Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current KY high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current KY high-yield money market average of 3.142% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Ashland, Kentucky.
Money Market Account Earnings in Ashland, Kentucky
Annual interest earnings at current KY average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.142% APY) | Monthly Earnings | Standard MMA (0.482% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $314.22 / year | $26.19 | $48.15 / year | $4.01 |
| $25,000 | $785.55 / year | $65.46 | $120.38 / year | $10.03 |
| $50,000 | $1,571.10 / year | $130.92 | $240.75 / year | $20.06 |
| $100,000 | $3,142.20 / year | $261.85 | $481.50 / year | $40.13 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Ashland, Kentucky money market rate averages as of October 14, 2026. | ||||
About Our Ashland, Kentucky Money Market Rate Database
MonitorBankRates found 7 institutions with branches in Ashland (5 banks, 2 credit unions), plus 33 additional state-chartered and national online institutions available to Ashland 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 to 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: Citizens Bank offers a money market account at 3.50% APY. Use the rate table above to compare all current offers in Ashland, Kentucky.
How to Find the Best Money Market Rates in Ashland, Kentucky
What to compare when shopping for a money market account in Ashland, Kentucky
To find the best money market APYs in Ashland, Kentucky, start with credit unions and online-only banks: Ashland, Kentucky has 23 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current KY high-yield money market average is 3.142% but top local institutions are offering as high as 3.50%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Ashland, Kentucky high-yield money market rates currently average 3.142% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Ashland, Kentucky institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 40 institutions in Ashland, Kentucky report money market rates to our database.
- You’re among Ashland, Kentucky’s 19.2% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Ashland, Kentucky CD rates
- You don’t need check writing and want a lower minimum Ashland, Kentucky savings rates
- You need daily transaction access Ashland, Kentucky checking rates
Ashland, Kentucky Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
19.2% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 7.7% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s KY high-yield money market average of 3.142%, saving 10% of the local median salary ($3,513/year) would earn an additional $110 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Ashland, Kentucky Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Ashland, Kentucky.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current KY Avg APY | 3.142% | View Savings Rates | 0.482%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Ashland, Kentucky averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Ashland, Kentucky Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Ashland, Kentucky rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Ashland, Kentucky
At KY’s top money market rate of 3.50% from Citizens Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Ashland, Kentucky earner is roughly $8,800. At 3.142% APY in a money market account, saving $730/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountKentucky’s high-yield money market average is 3.142% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Ashland, Kentucky earner makes $35,136/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.142% APY.
Retirement PlannerA $25,000 money market balance earning 3.142% APY grows to roughly $46,416 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
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)?
Are Money Market accounts in Ashland, Kentucky safe?
How often do MMA rates change in Ashland, Kentucky?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Ashland, Kentucky?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Ashland, Kentucky for money market accounts?
Best Money Market Rates in Ashland, Kentucky
- Citizens Bank
Citizens Private Client Money Market - Preferred: 3.50% APY - Community Trust Bank
Preferred Index Money Market: 3.49% APY - Desco Federal Credit Union
Money Market Accounts: 2.89% APY - Members Choice Credit Union Ashland, KY
Money Market: 1.51% APY - Kentucky Farmers Bank
Money Market Plus Business: 1.25% APY
Ashland, Kentucky Rates & Resources
