Kentucky (KY) Savings Rates - March 2026
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Editorial Disclosure
The savings 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.
The best savings rates for Kentucky include Kemba Credit UnionKemba Credit Union5935 Merchants St, Florence, KY 41042 1198A5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit Union820 W Broadway, Louisville, KY 40202A+5.0 ★Texas Ratio: 1.44% Accumulation Share at 5.12% APY, Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY417 High St, Frankfort, KY 40601A+5.0 ★Texas Ratio: 2.66% Round UP Savings at 5.00% APY, University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit Union2557 Sir Barton Way, Lexington, KY 40509A5.0 ★Texas Ratio: 7.63% Share Savings Account at 4.00% APY, and FirstBank (TN)FirstBank (TN)1595 Veterans Memorial Hwy, Scottsville, KY 42164A5.0 ★Texas Ratio: 6.39% FirstUp Savings at 3.82% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Kentucky compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Kentucky and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Kentucky
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Ohio Homebuyer Plus Savings
6.25%
$0
▼
Rate6.08%
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
Ohio Homebuyer Plus Savings
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY 40202
Accumulation Share
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Round UP Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY 41042 1198
Ohio Homebuyer Plus Savings
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
High Yield Savings Account Tier 1
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $25,000.00
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
High Yield Savings Account
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $25,000.00
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1595 Veterans Memorial Hwy, Scottsville, KY 42164
FirstUp Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
3.59%
$0
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY 42240 4989
High Yield Savings
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1429 Breckenridge St, Owensboro, KY 42303
Youth Savings
3.50%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $2,500.00
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
3.34%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
West Point Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
600 W Lincoln Trail Blvd, Radcliff, KY 40160
High Yield Savings
3.30%
$25,000
▼
Rate0.00%
Min Deposit$25,000
Min Balance—
UpdatedMar 22, 2026
Details
Hardin, LaRue, Meade, Breckinridge, Grayson, Hart, Nelson, Bullitt, and Jefferson.
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
121 S 4th St, Danville, KY 40422
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
3.09%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
433 Madison Ave, Covington, KY 41011
HIGH YIELD SAVINGS
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Greater Kentucky Credit Union Inc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1001 RED MILE RD, LEXINGTON, KY 40504 2650
High-Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pair with a Rewards Checking account to earn up to 3.00% APY , with full access to your funds.
Greater Kentucky Credit Union Inc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1001 RED MILE RD, LEXINGTON, KY 40504 2650
High Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $100,000.00
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY 42240 4989
High Yield Savings
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 20, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
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 23, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
15 Second St, Vanceburg, KY 41179
SAVINGSELITE
2.53%
$25,000
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 26, 2026
Details
Balances $25,000.00 or more
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
15 Second St, Vanceburg, KY 41179
Savings Elite
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY 42240 4989
High Yield Savings
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 23, 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 23, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY 40509
Share Savings Account
2.34%
$0
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY 42240 4989
High Yield Savings
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Prime Performance Savings
2.25%
$10,000
▼
Rate2.23%
Min Deposit$10,000
Min Balance—
UpdatedMar 20, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Premium Savings Tier 5
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 23, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY 40202
IRA Share Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Youth Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $5,000.00
Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
201 N Main St, Morgantown, KY 42261
Health Savings Account
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
201 N Main St, Morgantown, KY 42261
Club Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
300 Clinic Dr, Hopkinsville, KY 42240 4989
High Yield Savings
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Business Share Savings Account Regular Share (S2)
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
E-Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
Health Savings Account
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
216 W Main St, Frankfort, KY 40601
Christmas Savings
1.50%
$10
▼
Rate1.50%
Min Deposit$10
Min Balance—
UpdatedMar 23, 2026
Details
Limited Transactions. Minimum Deposit to Open waived with direct deposit. Minimum deposit of $250 at maturity (October 15th). Withdraw/Close Fee Prior to Maturity: $10. Interest compounded daily and credited at maturity.
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
E-Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
Health Savings Account
1.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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.
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.
Kentucky Savings Rate Trends
Compare local Kentucky savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — KY Avg
1.960%
▲ 0.478 from last week
Kentucky high-yield savings rates rose 0.478 points this week to 1.960% APY, up from 1.482% last week.
Standard Savings — KY Avg
0.573%
▲ 0.226 from last week
Kentucky standard savings rates rose 0.226 points this week to 0.573% APY, up from 0.346% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for 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 savings 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 Kentucky. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in KY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Kentucky
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Kentucky, help your money grow faster through a higher APY.
Are savings accounts in 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 savings rates change in Kentucky?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Kentucky may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Kentucky?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Kentucky offer in-person customer service, which some customers prefer.
How do I open a savings account in Kentucky?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Kentucky
Here are recent savings rates observed in Kentucky:
- Kemba Credit Union
Ohio Homebuyer Plus Savings — 6.25% APY - Louisville Gas & Electric Company Credit Union
Accumulation Share — 5.12% APY - Commonwealth Credit Union Frankfort, KY
Round UP Savings — 5.00% APY - University of Kentucky Federal Credit Union
Share Savings Account — 4.00% APY - FirstBank (TN)
FirstUp Savings — 3.82% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026
Cities in Kentucky
