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Kentucky Savings Rate Trends

Blackey, Kentucky (KY) Savings Rates - April 2026

The best savings rates for Blackey, Kentucky and the surrounding area include Kemba Credit UnionKemba Credit UnionA5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit UnionA+5.0 ★Texas Ratio: 1.44% Accumulation Share at 5.12% APY, Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KYA+5.0 ★Texas Ratio: 2.66% Round UP Savings at 5.00% APY, Morgantown B&TMorgantown B&TA+5.0 ★Texas Ratio: 1.40% Kasasa Cash* Health Savings Account (HSA) at 4.25% APY, and University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit UnionA5.0 ★Texas Ratio: 7.63% Share Savings Account at 4.00% APY.

Blackey is a smaller community with no bank or credit union branches currently in our database. 45 institutions serving the Kentucky area are available to Blackey residents, with savings rates as high as 6.25% APY from Kemba Credit Union. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Blackey, Kentucky and the surrounding area. Last Updated and Verified: April 4, 2026

Compare the Best Savings Rates in Blackey, Kentucky & Surrounding Communities

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%
Ohio Homebuyer Plus Savings
6.25%
$0
Rate6.08%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Ohio Homebuyer Plus Savings
5.25%
$0
Rate5.13%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
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%
Round UP Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $1,000.00

Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Kasasa Cash* Health Savings Account (HSA)
4.25%
$50
Rate4.17%
Min Deposit$50
Min Balance
UpdatedApr 3, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Ohio Homebuyer Plus Savings
4.25%
$0
Rate4.17%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Share Savings Account
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
High Yield Savings Account
4.00%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 29, 2026
Details

Qualifying balance up to $25,000.00

FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
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%
Share Savings Account
3.59%
$0
Rate3.53%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
High-Yield Savings
3.55%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 27, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Youth Savings
3.50%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $2,500.00

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Share Savings Account
3.34%
$0
Rate3.29%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

West Point Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
High Yield Savings
3.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Share Savings Account
3.09%
$0
Rate3.05%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
3.00%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Greater Kentucky Credit Union Inc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
High-Yield Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 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%
High Yield Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balance up to $100,000.00

Citizens Federal S&L Assoc
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
HIGH YIELD SAVINGS
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
High-Yield Savings
2.98%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 27, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Money Market Savings Account
2.90%
$300,000
Rate2.86%
Min Deposit$300,000
Min Balance
UpdatedApr 2, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Share Savings Account
2.84%
$0
Rate2.80%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Savings Elite
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
SAVINGSELITE
2.53%
$25,000
Rate2.50%
Min Deposit$25,000
Min Balance
UpdatedMar 26, 2026
Details

Balances $25,000.00 or more

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
2.50%
$0
Rate2.48%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Money Market Savings Account
2.40%
$100,000
Rate2.37%
Min Deposit$100,000
Min Balance
UpdatedApr 2, 2026
Details

University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Share Savings Account
2.34%
$0
Rate2.32%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Money Market Savings
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Premium Savings Tier 5
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Prime Performance Savings
2.25%
$10,000
Rate2.23%
Min Deposit$10,000
Min Balance
UpdatedMar 27, 2026
Details

Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Money Market Savings Account
2.10%
$25,000
Rate2.08%
Min Deposit$25,000
Min Balance
UpdatedApr 2, 2026
Details

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Youth Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $5,000.00

Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
IRA Share Account
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Health Savings Account
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Club Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
E-Savings
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Business Share Savings Account Regular Share (S2)
2.00%
$0
Rate1.99%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Health Savings Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Premium Savings Tier 4
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First FSB of Kentucky
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
Christmas Savings
1.50%
$10
Rate1.50%
Min Deposit$10
Min Balance
UpdatedApr 3, 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.

First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
Health Savings Account
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
E-Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

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.

Blackey, KY Savings Rate Trends

Compare local Blackey, KY savings rate quotes against the statewide average

Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Kentucky Savings Trends →
High-Yield Savings — KY Avg
1.999%
▼ 0.087 vs 7 days ago

Kentucky high-yield savings rates fell 0.087 points over the past 7 days to 1.999% APY, down from 2.086%.

Standard Savings — KY Avg
0.177%
▼ 0.428 vs 7 days ago

Kentucky standard savings rates fell 0.428 points over the past 7 days to 0.177% APY, down from 0.605%.

As of Apr 5, 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 Blackey, 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 Blackey, 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 Blackey, 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 Blackey, 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 Blackey, 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 Blackey, 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 Blackey, Kentucky?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Blackey, Kentucky offer in-person customer service, which some customers prefer.

How do I open a savings account in Blackey, 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 Blackey, Kentucky

Here are recent savings rates observed in Blackey, Kentucky and the surrounding area:
  • 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
  • Morgantown B&T
    Kasasa Cash* Health Savings Account (HSA) — 4.25% APY
  • University of Kentucky Federal Credit Union
    Share Savings Account — 4.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Blackey, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026