Sulphur, Kentucky Money Market Rates - October 2026
Brian McKay
Brian McKay
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Sulphur, Kentucky money market account rates from banks and credit unions serving Kentucky range from 0.50% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Sulphur, Kentucky and the surrounding area money market deposit account rates include Elkton Bank & Trust CompanyElkton Bank & Trust CompanyA+5.0 ★Texas Ratio: 0.40%Real return: +2.20%APY minus 2.8% CPI (February 2026) Business Money Market Plus at 5.00% APY, 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, 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, Beacon Community Credit UnionBeacon Community Credit UnionA+5.0 ★Texas Ratio: 1.39%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Accounts at 4.00% APY, and 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. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Sulphur is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Kentucky area are available to Sulphur residents, with money market rates as high as 5.00% APY from Elkton Bank & Trust Company. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Sulphur, Kentucky and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Sulphur, Kentucky & the Surrounding Area
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 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: $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
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: $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: $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: $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: $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 - $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
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; Regular Savings rate applies if conditions not met
- Oct 13, 20262.58%▲ from 0.20%
- Sep 18, 20260.20%first recorded
Balance: $2,500 to $9,999.99; Minimum balance of $2,500 required to earn the stated APY; Fees could reduce earnings
Balance: $250,000 or more
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: 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: $100,000.00 and over
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
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: $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
- Oct 9, 20262.15%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: 0 - $200,000
Balance: $25,000 - $49,999
Balance: $1,000,000 +; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $500,000.00 - $999,999.99
Balance: $500,000.00 - $999,999.99
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
Daily Balance >= $10,000 (Minimum daily balance to obtain APY is based on tiered rate structure)
- Oct 8, 20261.15%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
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
Daily Balance <$10,000
Minimum daily balance to obtain APY $2,500
Balance: $100,000 - $999,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $150,000 - $249,999
Balance: $75,000 - $149,999
Balance: $50,000 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
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.
Sulphur, KY Money Market Rate Trends
Compare local Sulphur, 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.
Sulphur, 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 Sulphur, Kentucky.
Money Market Account Earnings in Sulphur, 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: Sulphur, Kentucky money market rate averages as of October 14, 2026. | ||||
Available in Sulphur, Kentucky Area
About Our Sulphur, Kentucky Money Market Rate Database
MonitorBankRates tracks money market rate offers from 30 banks and credit unions available to Sulphur, Kentucky residents via statewide and national offers. No branch locations physically in Sulphur are currently in our database, but all listed offers are open to Sulphur 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: Elkton Bank & Trust Company offers a money market account at 5.00% APY. Use the rate table above to compare all current offers in Sulphur, Kentucky.
How to Find the Best Money Market Rates in Sulphur, Kentucky
What to compare when shopping for a money market account in Sulphur, Kentucky
To find the best money market APYs in Sulphur, Kentucky, start with credit unions and online-only banks: Sulphur, Kentucky has 24 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 5.00%, 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. Sulphur, 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 Sulphur, Kentucky institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 30 institutions in Sulphur, 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 Sulphur, Kentucky CD rates
- You don’t need check writing and want a lower minimum Sulphur, Kentucky savings rates
- You need daily transaction access Sulphur, 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 3.142%, saving 10% of the local median salary ($4,063/year) would earn an additional $128 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Sulphur, Kentucky Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Sulphur, 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 Sulphur, 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.
Sulphur, 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 Sulphur, 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 Sulphur, Kentucky
At KY’s top money market rate of 5.00% from Elkton Bank & Trust Company, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Sulphur, Kentucky earner is roughly $10,200. At 3.142% 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 3.142% 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 Sulphur, Kentucky earner makes $40,635/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 Sulphur, 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 Sulphur, 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 Sulphur, 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 Sulphur, Kentucky
What is a Money Market Account (MMA)?
Are Money Market accounts in Sulphur, Kentucky safe?
How often do MMA rates change in Sulphur, Kentucky?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Sulphur, 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 Sulphur, Kentucky for money market accounts?
Best Money Market Rates in Sulphur, Kentucky
- Elkton Bank & Trust Company
Business Money Market Plus: 5.00% APY - University of Kentucky Federal Credit Union
Business Money Market Account: 4.07% APY - Liberty Federal Credit Union
Money Market Share Account: 4.00% APY - Beacon Community Credit Union
Money Market Accounts: 4.00% APY - Service One Credit Union
Premium Money Market: 4.00% APY
Sulphur, Kentucky Rates & Resources
