Georgetown, Kentucky Money Market Rates for October 2026
Brian McKay
Brian McKay
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Georgetown, Kentucky money market account rates range from 0.04% to 4.07% APY, verified by MonitorBankRates as of October 31, 2026. Current Georgetown, Kentucky and the surrounding area money market deposit account rates include Central Bank & Trust CompanyCentral Bank & Trust Company100 W Main St, Georgetown, KY 40324A+5.0 ★Texas Ratio: 1.26%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 31, 2026 Personal Money Market Plus at 3.50% APY, Community Trust BankCommunity Trust Bank112 Osbourne Way, Georgetown, KY 40324A+5.0 ★Texas Ratio: 3.53%Real return: -0.22%APY minus 3.7% CPIRate verified Oct 31, 2026 Preferred Index Money Market at 3.48% APY, Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY108 Lawson Dr, Georgetown, KY 40324A+5.0 ★Texas Ratio: 5.31%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 29, 2026 Business Money Market at 3.25% APY, Republic Bank & Trust CompanyRepublic Bank & Trust Company430 Connector Rd, Georgetown, KY 40324A+5.0 ★Texas Ratio: 2.91%Real return: -2.20%APY minus 3.7% CPIRate verified Oct 26, 2026 Commercial Money Market Max at 1.50% APY, and PNC BankPNC Bank10 Spring St, Georgetown, TX 78626A+5.0 ★Texas Ratio: 4.24%Real return: -3.62%APY minus 3.7% CPIRate verified Oct 31, 2026 Premiere Money Market Account - Platinum Tier at 0.08% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Georgetown has 5 local institutions in our database, with money market rates as high as 3.50% APY from Central Bank & Trust Company at 100 W Main St, Georgetown, KY 40324. 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 Georgetown, Kentucky and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Georgetown, Kentucky & the Surrounding Area
Balance: $500,000 or >
- Sep 24, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Balance: $250,000.00 and Greater; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20263.48%▼ from 3.49%
- Oct 14, 20263.49%▲ from 3.47%
- Oct 2, 20263.47%▲ from 3.41%
- Sep 24, 20263.41%▲ from 3.37%
Balance: $500,000 or >
- Sep 24, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Balance: $100,000 and up; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $100,000.00 - $249,999.99; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20263.23%▼ from 3.24%
- Oct 14, 20263.24%▲ from 3.22%
- Oct 2, 20263.22%▲ from 3.15%
- Sep 24, 20263.15%▲ from 3.11%
Balance: $50,000 to $99,999.99; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $50,000.00 - $99,999.99; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20262.97%▼ from 2.98%
- Oct 14, 20262.98%▲ from 2.96%
- Oct 2, 20262.96%▲ from 2.90%
- Sep 24, 20262.90%▲ from 2.86%
Balance: $25,000 to $49,999.99; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $250,000 or >
Balance: $25,000.00 - $49,999.99; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20262.71%▼ from 2.72%
- Oct 14, 20262.72%▲ from 2.70%
- Oct 2, 20262.70%▲ from 2.64%
- Sep 24, 20262.64%▲ from 2.60%
Balance: $10,000 to $24,999.99; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $2,500 to $9,999.99; Dividend rates are variable and subject to change after account opening without notice; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $250,000 or >
Balance: $100,000 to $249,999.99
Balance: $100,000 and up; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY
Balance: $100,000 to $249,999.99
Balance: $50,000 to $99,999.99; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY
Balance: $25,000 to $49,999.99; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY
Balance: $10,000 to $24,999.99; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY
Balance: $2,500 to $9,999.99; Dividends paid and compounded monthly based on average daily balance; Minimum balance of $2,500 required to earn the stated APY
Balance: $50,000 to $99,999.99
Balance: $2,500.00 - $24,999.99; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20261.69%▼ from 1.70%
- Oct 14, 20261.70%▲ from 1.68%
- Oct 2, 20261.68%▲ from 1.62%
- Sep 24, 20261.62%▲ from 1.58%
Balance: $50,000 to $99,999.99
Balance: $10,000 to $49,999.99
Balance: < $500,000
Balance: $1,000,000 +; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $10,000 to $49,999.99
Balance: < $10,000
Balance: < $500,000
Balance: < $10,000
Balance: $100,000 - $999,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $50,000 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $500,000 and over; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $100,000 - $499,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $0 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $0 - $49,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $100,000.00 - $249,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $100,000.00 - $249,999.99; Select Tier: Gold Tier ($100,000 to $499,999.99)
Balance: $1.00 - $9,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $1.00 - $9,999.99; Select Tier: Gold Tier ($100,000 to $499,999.99)
Balance: $100,000.00 - $249,999.99; Select Tier: Silver Tier ($25,000 to $99,999.99)
Balance: $1.00 - $9,999.99; Select Tier: Silver Tier ($25,000 to $99,999.99)
Balance: $25,000.00 - $249,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee.
Balance: $1.00 - $9,999.99
Balance: $0.00 - $2,499.99; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20261.68%▼ from 1.69%
- Oct 14, 20261.69%▲ from 1.67%
- Oct 2, 20261.67%▲ from 1.61%
- Sep 24, 20261.61%▲ from 1.57%
Balance: $500,000+; Dividend Period: Monthly
- Oct 5, 20264.07%▲ from 3.74%
- Sep 14, 20263.74%first recorded
Balance: $1,000,000 >; Tiered
Balance: $500,000 & Above
- Oct 31, 20264.00%▲ from 3.70%
- Sep 15, 20263.70%first recorded
Balance: $1,000,000 or more
Avg Balance up to $10K; High Yield Checking restrictions apply
Balance: $400,000 and greater
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; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
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; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Balance: $250,000 - $499,999.99
- Oct 31, 20263.85%▲ from 3.70%
- Sep 15, 20263.70%first recorded
Balance: $250,000 - $499,999.99; Dividend Period: Monthly
- Oct 5, 20263.82%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Balance: $500,000.00 and up; Tier APY as of 03/13/2023; $10.00 monthly fee if $10,000 balance not maintained
Balance: $1,000,000 >
Balance: $300,000.00 - $999,999.99; Tiered
Balance: $250,000 - Above
Balance: $100,000 - $249,999.99; Dividend Period: Monthly
- Oct 5, 20263.57%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Balance: $100,000.00 - $299,999.99; Tiered
Preferred rates; Must have a Citizens Private Client Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Private Client Checking; Rhode Island rates
Preferred rates; Must have a Citizens Quest Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Quest Checking; Rhode Island rates
- Oct 31, 20263.50%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Promotional APY locked for first 5 months, then variable rate per Select Money Market tiers; minimum average daily balance $5,000 to avoid $10 monthly fee, $10,000 after promo period; valid only for new money not on deposit with Blue Grass Federal; $50 fee if closed before 150 days
Qualifications Required; Balance: $25,000+; dividends calculated daily, compounded quarterly
Balance: $500,000+
Balance: $250,000.00 or more; Tier 1
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: $50,000 - $99,999.99; Dividend Period: Monthly
- Oct 5, 20263.32%▲ from 2.99%
- Sep 21, 20262.99%first recorded
Balance: $500,000 and over
Balance: $1,000,000 +
Balance: $100,000 & UP; Dividends are earned daily and posted monthly.
Balance: $25,000 minimum; dividends not earned if balance drops below $25,000; Dividends earned daily and posted monthly; Rates can change weekly
Balance: $100,000.00 and above
Balance: $250,000 - $999,999
Balance: $350,000.00 - $499,999.99; Tier APY as of 03/13/2023; $10.00 monthly fee if $10,000 balance not maintained
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: $1,000,000.00 and over; Monthly fee: $7.00; Active checking account required to earn rates; If conditions not met, earns Regular Savings rate
Balance: $150,000.00 - $349,999.99; Tier APY as of 03/13/2023; $10.00 monthly fee if $10,000 balance not maintained
Balance: $1,000 - $49,999.99; Dividend Period: Monthly
- Oct 5, 20262.82%▲ from 2.49%
- Sep 21, 20262.49%first recorded
Balance: $250,000 to $499,999
Balance: $50,000-$99,999.99; Dividends are earned daily and posted monthly.
Balance: $150,000 - $249,999
Balance: $25,000.00 - $49,999.99
Balance: $500,000.00 - $999,999.99; Monthly fee: $7.00; Active checking account required to earn rates; If conditions not met, earns Regular Savings rate
Balance: $250,000 or more
Balance: $100,000 - $249,999
Balance: $75,000 - $149,999
Balance: $10,000.00 - $24,999.99
Balance: $100,000 - $299,999
Balance: $100,000 to $249,999
Balance: $10,000.00 - $499,999.99; Monthly fee: $7.00; Active checking account required to earn rates; If conditions not met, earns Regular Savings rate
Balance: $100,000.00 and over; Average Daily Balance tier
Balance: $25,000-$49,999.99; Dividends are earned daily and posted monthly.
Balance: $10,000.00 - $149,499.99; Tier APY as of 03/13/2023; $10.00 monthly fee if $10,000 balance not maintained
- 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; Park Perks exclusive rate with waived monthly maintenance fee; requires active Park Perks enrollment (Thryve Checking, debit card, Savings Jar with a minimum of one round up within the current statement cycle); Rates as of 10.01.2025
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.
Georgetown, KY Money Market Rate Trends
Compare local Georgetown, 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 rose 0.002 points over the past 7 days to 3.170% APY.
Kentucky standard MMA rates rose 0.002 points over the past 7 days to 0.531% APY.
Georgetown, 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 3.170% 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 Georgetown, Kentucky.
Money Market Account Earnings in Georgetown, 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 (3.170% APY) | Monthly Earnings | Standard MMA (0.531% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $316.98 / year | $26.42 | $53.07 / year | $4.42 |
| $25,000 | $792.45 / year | $66.04 | $132.67 / year | $11.06 |
| $50,000 | $1,584.90 / year | $132.08 | $265.35 / year | $22.11 |
| $100,000 | $3,169.80 / year | $264.15 | $530.70 / year | $44.23 |
| 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: Georgetown, Kentucky money market rate averages as of October 31, 2026. | ||||
About Our Georgetown, Kentucky Money Market Rate Database
MonitorBankRates found 5 institutions with branches in Georgetown (4 banks, 1 credit union), plus 34 additional state-chartered and national online institutions available to Georgetown 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: Central Bank & Trust Company offers a money market account at 3.50% APY. Use the rate table above to compare all current offers in Georgetown, Kentucky.
How to Find the Best Money Market Rates in Georgetown, Kentucky
What to compare when shopping for a money market account in Georgetown, Kentucky
To find the best money market APYs in Georgetown, Kentucky, start with credit unions and online-only banks: Georgetown, Kentucky has 22 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 3.170% 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. Georgetown, Kentucky high-yield money market rates currently average 3.170% 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 Georgetown, Kentucky institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 39 institutions in Georgetown, Kentucky report money market rates to our database.
- 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 Georgetown, Kentucky CD rates
- You don’t need check writing and want a lower minimum Georgetown, Kentucky savings rates
- You need daily transaction access Georgetown, Kentucky checking rates
Georgetown, Kentucky Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
10.9% of residents are 65 or older, below the national average of 17.3%. At today’s KY high-yield money market average of 3.170%, saving 10% of the local median salary ($4,604/year) would earn an additional $146 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Georgetown, Kentucky Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Georgetown, Kentucky.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current KY Avg APY | 3.170% | View Savings Rates | 0.531%(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 Georgetown, Kentucky averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Georgetown, 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 Georgetown, 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 Georgetown, Kentucky
At KY’s top money market rate of 3.50% from Central Bank & Trust Company, 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 Georgetown, Kentucky earner is roughly $11,500. At 3.170% APY in a money market account, saving $960/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 3.170% 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 Georgetown, Kentucky earner makes $46,042/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.170% APY.
Retirement PlannerA $25,000 money market balance earning 3.170% APY grows to roughly $46,665 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 Georgetown, 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 Georgetown, 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 Georgetown, 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 Georgetown, Kentucky
What are money market account rates in Georgetown, Kentucky today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Georgetown, Kentucky safe?
How often do MMA rates change in Georgetown, Kentucky?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Georgetown, 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 Georgetown, Kentucky for money market accounts?
Best Money Market Rates in Georgetown, Kentucky
- Central Bank & Trust Company
Personal Money Market Plus: 3.50% APY - Community Trust Bank
Preferred Index Money Market: 3.48% APY - Commonwealth Credit Union Frankfort, KY
Business Money Market: 3.25% APY - Republic Bank & Trust Company
Commercial Money Market Max: 1.50% APY - PNC Bank
Premiere Money Market Account - Platinum Tier: 0.08% APY
Georgetown, Kentucky Rates & Resources
