Lick Creek, Kentucky Money Market Rates - October 2026
Brian McKay
Brian McKay
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Lick Creek, Kentucky money market account rates from banks and credit unions serving Kentucky range from 1.50% to 4.07% APY, verified by MonitorBankRates as of October 20, 2026. Current Lick Creek, Kentucky and the surrounding area money market deposit account rates include University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit UnionA5.0 ★Texas Ratio: 6.97%Real return: +1.27%APY minus 2.8% CPI (February 2026) Business Money Market Account at 4.07% APY, American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.A5.0 ★Texas Ratio: 10.95%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market (Personal) at 4.00% APY, Liberty Federal Credit UnionLiberty Federal Credit UnionA+5.0 ★Texas Ratio: 2.97%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Share Account at 4.00% APY, Service One Credit UnionService One Credit UnionA5.0 ★Texas Ratio: 10.24%Real return: +1.20%APY minus 2.8% CPI (February 2026) Premium Money Market at 4.00% APY, and Heritage Federal Credit UnionHeritage Federal Credit UnionA+5.0 ★Texas Ratio: 1.78%Real return: +0.95%APY minus 2.8% CPI (February 2026) Business Money Market at 3.75% APY. Money market rates as of October 20, 2026 according to verified data from MonitorBankRates.
Lick Creek is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Kentucky area are available to Lick Creek residents, with money market rates as high as 4.07% APY from University of Kentucky Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Lick Creek, Kentucky and surrounding area. Last Updated and Verified: October 20, 2026
Compare the Best Money Market Rates Today in Lick Creek, Kentucky & the Surrounding Area
Balance: $500,000 and over; Dividend Period: Monthly
- Oct 5, 20264.07%▲ from 3.74%
- Sep 14, 20263.74%first recorded
Balance: $1,000,000 >; Tiered
Balance: $1,000,000 or more
Balance: $400,000 and greater; APY**: Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.
Balance: $250,000 - $499,999.99; Dividend Period: Monthly
- Oct 5, 20263.82%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Top tier as high as 3.75% APY on larger balances; Balance: $500,000.00 and up; tier table in footnote is dated 03/13/2023 and may be stale; $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 - $499,999.99
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
Balance: $25,000 - $49,999; Preferred Rates require $25,000 not currently on deposit with Citizens; Rates accurate as of 10/19/2026
Balance: $500,000 or >
- Sep 24, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
BGF MMA Promo; promotional APY for new money not currently on deposit with Blue Grass Federal; minimum average daily balance of $5,000 to avoid $10 monthly service fee; minimum average daily balance $10,000 after 5 month promotional period; variable rate thereafter; promotional APY as of 11/07/2025
Requires High Yield Checking; 1.00% APY for average daily balances $25,000 and over if High Yield Checking requirements are not met; Dividends calculated daily, compounded quarterly
Balance: $500,000 and over; Dividends calculated daily, compounded quarterly
Balance: $250,000.00 and Greater; Tier 6; Rate indexed to 13-Week T-Bill less margin (margin 0.75%)
- 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: $25,000 to $49,999.99; New clients only; requires $25,000 deposit within 30 days of opening and daily balance of at least $25,000 to maintain rate (ZIP 55402)
Balance: $25,000.00 to $2,000,000.99; Requires an open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington
Balance: $25,000.00 to $2,000,000.99; Requires an open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington
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 or >
- Sep 24, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Balance: $1,000,000 +
Balance: $100,000 & UP; Dividends are earned daily and posted monthly.
Headline rate: Earn 3.25% APY on the Premier Money Market; Premier Money Market requires a $25,000 minimum balance; if balance drops below $25,000, dividends will not be earned; 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: $100,000.00 - $249,999.99; Tier 5; Rate indexed to 13-Week T-Bill less margin (margin 1.00%)
- 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: $100,000 - $249,999.99
Featured on homepage: 3.05% APY for 6 months
Balance: $500,000 - $999,999
Balance: $250,000 - $999,999
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; APY**: Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.
Balance: $50,000.00 - $99,999.99; Tier 4; Rate indexed to 13-Week T-Bill less margin (margin 1.25%)
- 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: $300,000 & greater
Balance: $1,000,000.00 and over; Monthly Fee: $7.00; Active checking account required to earn rates below
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
- Oct 5, 20262.82%▲ from 2.49%
- Sep 21, 20262.49%first recorded
Balance: $250,000 or >
Balance: $250,000 - $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: $25,000.00 - $49,999.99; Tier 3; Rate indexed to 13-Week T-Bill less margin (margin 1.50%)
- 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: $25,000.00 - $2,000,000.99; Huntington Relationship Money Market Account; APY range 2.70%-3.75% and rate range 2.67%-3.69% based on zip code; variable rate; minimum $25,000 new money to open
Balance: $10,000 to $24,999.99; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $500,000.00 - $999,999.99; Monthly Fee: $7.00; Active checking account required to earn rates below
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 >
Balance: $100,000 to $249,999.99
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Tier 1; Balance: $25,000.00 and over; Dividends calculated on average daily balance, paid quarterly
Balance: $100,000 and up; Minimum balance of $2,500 required to earn the stated APY
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: $10,000.00 - $499,999.99; Monthly Fee: $7.00; Active checking account required to earn rates below
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: $50,000 - $99,999
Balance: $25,000-$49,999.99; Dividends are earned daily and posted monthly.
Tier 2; Balance: $10,000.00 - $24,999.99; Dividends calculated on average daily balance, paid quarterly
Balance: $750,000.00 and over
Balance: $250,000 & higher; Park Perks rate; exclusive rate and waived monthly maintenance fee with active Park Perks enrollment (requires Thryve Checking, debit card, and Savings Jar enrollment with a round up in the current statement cycle)
Balance: $50,000 to $99,999.99; Minimum balance of $2,500 required to earn the stated APY
Balance: $25,000 - $74,999
Balance: $2,500.00 - $9,999.99
Balance: $1,000,000.00 and up
- Oct 9, 20262.25%▲ from 2.15%
- Sep 14, 20262.15%first recorded
Balance: $50,000.00 - $99,999.99; Tiered
Balance: $10,000 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $1,000,000 and over; Savings & IRA
Balance: $500,000.00 - $999,999.99
- Oct 9, 20262.15%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $1,000,000.00 - and above; Tier Rate: 2.13%
- Oct 9, 20262.15%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $150,000 and over
Balance: $25,000.00 - $49,999.99; Tiered
Balance: $25,000 to $49,999.99; Minimum balance of $2,500 required to earn the stated APY
Balance: $25,000.00 - $49,999.99
Balance: $250,000.00 - $499,999.99
Balance: $15,000.00 - $24,999.99; Tiered
Balance: $25,000 - $49,999
Balance: $15,000.00 - $24,999.99
Balance: $2,500.00 - $14,999.99; Tiered
Balance: $2,500.00 - $14,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000 & Up; Account Category: Personal
- Oct 14, 20261.76%▲ from 1.75%
- Oct 7, 20261.75%▼ from 1.76%
- Sep 8, 20261.76%first recorded
Balance: $50,000 to $99,999.99
Balance: $2,500.00 - $24,999.99; Tier 2; Rate indexed to 13-Week T-Bill less margin (margin 2.50%)
- 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: $50,000-$99,999.99; Account Category: Personal
- Oct 14, 20261.51%▼ from 1.76%
- Oct 7, 20261.76%▲ from 1.51%
- Sep 8, 20261.51%first recorded
Balance: $50,000 to $99,999.99
Balance: $10,000 to $49,999.99
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.
Lick Creek, KY Money Market Rate Trends
Compare local Lick Creek, 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 0.030 points over the past 7 days to 3.172% APY.
Kentucky standard MMA rates rose 0.031 points over the past 7 days to 0.512% APY.
Lick Creek, 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 3.172% 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 Lick Creek, Kentucky.
Money Market Account Earnings in Lick Creek, 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 (3.172% APY) | Monthly Earnings | Standard MMA (0.512% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $317.17 / year | $26.43 | $51.24 / year | $4.27 |
| $25,000 | $792.93 / year | $66.08 | $128.10 / year | $10.67 |
| $50,000 | $1,585.85 / year | $132.15 | $256.20 / year | $21.35 |
| $100,000 | $3,171.70 / year | $264.31 | $512.40 / year | $42.70 |
| 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: Lick Creek, Kentucky money market rate averages as of October 20, 2026. | ||||
Available in Lick Creek, Kentucky Area
About Our Lick Creek, Kentucky Money Market Rate Database
MonitorBankRates tracks money market rate offers from 40 banks and credit unions available to Lick Creek, Kentucky residents via statewide and national offers. No branch locations physically in Lick Creek are currently in our database, but all listed offers are open to Lick Creek depositors. 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: University of Kentucky Federal Credit Union offers a money market account at 4.07% APY. Use the rate table above to compare all current offers in Lick Creek, Kentucky.
How to Find the Best Money Market Rates in Lick Creek, Kentucky
What to compare when shopping for a money market account in Lick Creek, Kentucky
To find the best money market APYs in Lick Creek, Kentucky, start with credit unions and online-only banks: Lick Creek, Kentucky has 25 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 3.172% but top local institutions are offering as high as 4.07%, 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. Lick Creek, Kentucky high-yield money market rates currently average 3.172% 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 Lick Creek, Kentucky institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 40 institutions in Lick Creek, 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 Lick Creek, Kentucky CD rates
- You don’t need check writing and want a lower minimum Lick Creek, Kentucky savings rates
- You need daily transaction access Lick Creek, Kentucky checking rates
Kentucky Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
17.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s KY high-yield money market average of 3.172%, saving 10% of the local median salary ($4,063/year) would earn an additional $129 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Lick Creek, Kentucky Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Lick Creek, Kentucky.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current KY Avg APY | 3.172% | View Savings Rates | 0.512%(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 Lick Creek, Kentucky averages tracked in our database as of October 20, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Lick Creek, 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 Lick Creek, 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 Lick Creek, Kentucky
At KY’s top money market rate of 4.07% from University of Kentucky Federal Credit Union, a $10,000 deposit earns $407 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Lick Creek, Kentucky earner is roughly $10,200. At 3.172% APY in a money market account, saving $850/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 3.172% 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 Lick Creek, Kentucky earner makes $40,635/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.172% APY.
Retirement PlannerA $25,000 money market balance earning 3.172% APY grows to roughly $46,682 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 Lick Creek, 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 Lick Creek, 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 Lick Creek, 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 Lick Creek, Kentucky
What is a Money Market Account (MMA)?
Are Money Market accounts in Lick Creek, Kentucky safe?
How often do MMA rates change in Lick Creek, Kentucky?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Lick Creek, 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 Lick Creek, Kentucky for money market accounts?
Best Money Market Rates in Lick Creek, Kentucky
- University of Kentucky Federal Credit Union
Business Money Market Account: 4.07% APY - American Bank & Trust Co, Inc.
Money Market (Personal): 4.00% APY - Liberty Federal Credit Union
Money Market Share Account: 4.00% APY - Service One Credit Union
Premium Money Market: 4.00% APY - Heritage Federal Credit Union
Business Money Market: 3.75% APY
Lick Creek, Kentucky Rates & Resources
