Best Money Market Rates in Pendleton, Kentucky (KY) - March 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 Pendleton, Kentucky and the surrounding area money market rates include Morgantown B&TMorgantown B&T201 N Main St, Morgantown, KY 42261A+5.0 ★Texas Ratio: 1.40% Money Market Account at 4.25% APY, Service One Credit UnionService One Credit Union1609 Campbell Ln, Bowling Green, KY 42104A5.0 ★Texas Ratio: 12.56% Premium Money Market Account at 4.00% APY, Beacon Community Credit UnionBeacon Community Credit Union7910 National Tpke, Louisville, KY 40214A+5.0 ★Texas Ratio: 1.73% Money Market Accounts at 4.00% APY, American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.531 Lovers Ln, Bowling Green, KY 42103A+5.0 ★Texas Ratio: 1.55% Money Market (Personal) at 3.70% APY, and The Huntington National BankThe Huntington National Bank2514 Dixie Hwy, Fort Mitchell, KY 41017A+5.0 ★Texas Ratio: 4.60% Relationship Money Market Account at 3.66% APY.
To see how these money market rates in Pendleton, Kentucky and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Pendleton, Kentucky (KY) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Pendleton, Kentucky and surrounding area. Last Updated and Verified: March 21, 2026
Pendleton, KY Money Market Rate Trends
Compare local Pendleton, KY MMA rate quotes against the statewide average
Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — KY Avg
1.758%
Kentucky high-yield MMA rates currently average 1.758% APY based on data from institutions in our monitoring network.
Standard MMA — KY Avg
1.504%
▲ 0.594 from last week
Kentucky standard MMA rates rose 0.594 points this week to 1.504% APY, up from 0.911% last week.
As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Money Market Rates Today in Pendleton, Kentucky & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Morgantown B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
201 N Main St, Morgantown, KY 42261
Money Market Account
4.25%
$50
▼
Rate4.17%
Min Deposit$50
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $10,000.00
Beacon Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
Money Market Accounts
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $10,000.00
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
3.70%
$300,000
▼
Rate3.64%
Min Deposit$300,000
Min Balance—
UpdatedMar 17, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
Relationship Money Market Account
3.66%
$0
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Private Client Account****
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
Relationship Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Huntington Platinum Perks Checking***
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
3.55%
$100,000
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedMar 17, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
Relationship Money Market Account
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Huntington Perks Checking**
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
Premier Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Dividends are earned daily and posted monthly.
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Dividends are earned daily and posted monthly.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business High Yield Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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 and over
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
Relationship Money Market Account
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Non-Relationship Rate
Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St, Lexington, KY 40507
Personal Money Market Plus
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY 41048
Money Market Plus Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 20, 2026
Details
Minimum of $25,000 not currently deposited at Huntington.
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
131 Gold Vault Rd, Fort Knox, KY 40121
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
APY for 6 months
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY 42240 4989
Premium Money Market (New Money Only)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Citizens Private Client® Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Get up to 3.00% APY with preferred rates or up to 0.15% APY with standard rates
Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St, Lexington, KY 40507
Nonpersonal Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Dividends are earned daily and posted monthly.
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Service One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
1595 Veterans Memorial Hwy, Scottsville, KY 42164
Consumer Fed Funds Money Market
2.95%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Money Market Savings Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY 40517 2065
Business High Yield Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
332 15th St, Ashland, KY 41101
Citizens Quest® Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Get up to 2.75% Annual Percentage Yield (APY) with preferred rates or up to 0.03% APY with standard rates.
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Business Money Market Accounts
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
1818 Florence Pike, Burlington, KY 41005
Money Market Accounts
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Consumer Money Market Accounts
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Dividends are earned daily and posted monthly.
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY 40511 1829
Money Market Tier 1
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Money Market Savings Account
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.35%
$0
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Money Market Checking
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Consumer Money Market Accounts
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY 40228
Money Market Accounts with Park Perks
2.25%
$250,000
▼
Rate2.23%
Min Deposit$250,000
Min Balance—
UpdatedMar 17, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Money Market
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY 40511 1829
Money Market Tier 2
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Magnolia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
651 W Dixie Ave, Elizabethtown, KY 42701
Business Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Magnolia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
651 W Dixie Ave, Elizabethtown, KY 42701
Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.20%
$50,000
▼
Rate2.18%
Min Deposit$50,000
Min Balance—
UpdatedMar 17, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
4885 Houston Rd, Florence, KY 41042 4894
Business Money Market Accounts
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
Money Market Accounts
2.13%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY 40601 8295
Money Market Savings Account
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Consumer Money Market Accounts
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.10%
$25,000
▼
Rate2.08%
Min Deposit$25,000
Min Balance—
UpdatedMar 17, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
820 W Broadway, Louisville, KY 40202
Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
1818 Florence Pike, Burlington, KY 41005
Money Market Accounts
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
91 Day Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Dividends are earned daily and posted monthly.
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
424 Park Pl, Lexington, KY 40511 1829
Money Market Tier 3
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
2.00%
$15,000
▼
Rate1.98%
Min Deposit$15,000
Min Balance—
UpdatedMar 17, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St, Lexington, KY 40507
Central Money Market Personal
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Personal)
1.90%
$2,500
▼
Rate1.88%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
American Bank & Trust Co, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
531 Lovers Ln, Bowling Green, KY 42103
Money Market (Business)
1.85%
$0
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
1818 Florence Pike, Burlington, KY 41005
Money Market Accounts
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Forcht Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
203 S Main St, Williamstown, KY 41097
Platinum Business Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cecilian Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
1021 S Main St, Hartford, KY 42347
TGIF Money Market
1.76%
$2,500
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 21, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
131 Gold Vault Rd, Fort Knox, KY 40121
Premier Money Market IRA
1.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St, Lexington, KY 40507
Central Money Market Nonpersonal
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St, Lexington, KY 40507
Central Money Market Personal
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Forcht Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
203 S Main St, Williamstown, KY 41097
Forcht Reserve Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cecilian Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
1021 S Main St, Hartford, KY 42347
TGIF Money Market
1.51%
$2,500
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 21, 2026
Details
Forcht Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
203 S Main St, Williamstown, KY 41097
Platinum Business Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.50%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
1595 Veterans Memorial Hwy, Scottsville, KY 42164
Consumer Fed Funds Money Market
1.47%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St, Lexington, KY 40507
Central Money Market Nonpersonal
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.40%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
300 W Vine St, Lexington, KY 40507
Central Money Market Personal
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Money Market
1.30%
$0
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Forcht Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
203 S Main St, Williamstown, KY 41097
Forcht Reserve Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Forcht Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
203 S Main St, Williamstown, KY 41097
Platinum Business Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cecilian Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
1021 S Main St, Hartford, KY 42347
TGIF Money Market
1.26%
$2,500
▼
Rate1.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 21, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
131 Gold Vault Rd, Fort Knox, KY 40121
Premier Money Market IRA
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Magnolia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
651 W Dixie Ave, Elizabethtown, KY 42701
Money Market
1.25%
$0
▼
Rate1.23%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Magnolia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
651 W Dixie Ave, Elizabethtown, KY 42701
Business Money Market
1.25%
$0
▼
Rate1.23%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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 Pendleton, 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.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Pendleton, 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 Pendleton, 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 Pendleton, Kentucky
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings 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 Pendleton, 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 Pendleton, 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.
Best Money Market Rates in Pendleton, Kentucky
Here are some of the highest money market account APYs currently available in Pendleton, Kentucky and the surrounding area:
- Morgantown B&T
Money Market Account — 4.25% APY - Service One Credit Union
Premium Money Market Account — 4.00% APY - Beacon Community Credit Union
Money Market Accounts — 4.00% APY - American Bank & Trust Co, Inc.
Money Market (Personal) — 3.70% APY - The Huntington National Bank
Relationship Money Market Account — 3.66% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Pendleton, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026
