Fisherville, Kentucky Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Fisherville, Kentucky and the surrounding area include Peoples Bank Taylorsville, KYPeoples Bank Taylorsville, KY5511 Taylorsville Rd, Fisherville, KY 40023A5.0 ★Texas Ratio: 8.67%Real return: -2.75%APY minus 2.8% CPI (February 2026) Christmas Club Savings at 0.05% APY, Cinfed Federal Credit UnionCinfed Federal Credit UnionA+5.0 ★Texas Ratio: 1.55%Real return: +7.20%APY minus 2.8% CPI (February 2026) Kasasa Saver Savings at 10.00% APY, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit UnionA+5.0 ★Texas Ratio: 2.88%Real return: +2.32%APY minus 2.8% CPI (February 2026) Accumulation Share at 5.12% APY, Cove Federal Credit UnionCove Federal Credit UnionA5.0 ★Texas Ratio: 6.66%Real return: +1.20%APY minus 2.8% CPI (February 2026) High Yield Savings Account at 4.00% APY, and University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit UnionA5.0 ★Texas Ratio: 6.36%Real return: +1.20%APY minus 2.8% CPI (February 2026) High Yield Savings Account ($0 to $25,000) at 4.00% APY.
Fisherville has 2 local institutions in our database, with savings rates as high as 0.05% APY from Peoples Bank Taylorsville, KY at 5511 Taylorsville Rd, Fisherville, KY 40023. Use the table below to compare all available offers, including options from institutions serving the broader Kentucky area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Fisherville, Kentucky and the surrounding area. Last Updated and Verified: September 14, 2026
Compare the Best Savings Rates in Fisherville, Kentucky & Surrounding Communities
Earn up to 4.00% APY* on balances up to $25,000!
Blended-rate account. Resulting APY for this tier: 4.00%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply.
Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%.
Max Balance: $2,500.00
Earn 3.40% APY when you combine Companion Savings with a qualifying FirstBank CD.
With Huntington Perks Checking**
Non-Relationship Rate
Pair with a Rewards Checking account to earn up to 3.00% APY, with full access to your funds. Simple qualifications, no penalties, and competitive returns that help you save greater, faster.
Balances $25,000.00 or more
Rates based on zip code. Variable rate. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Offer is limited to one per household. Not valid with any other offer. New Money required.
Balance: $25,000.01 to $50,000; Blended-rate account. Resulting APY for this tier: 2.25% to 3.99%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply.
These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings. The dividend rates compounded daily and paid monthly.
APYs shown are as of the last dividend declaration date 2.22.2024.
Balance: 0 - $200,000
A Jump Start Savings account is for ages 0 to 17 only. The child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a Young Adult Savings account when the member reaches age 18. A Jump Start Savings account 2.00% APY is for the first $5,000. A balance of $5,000.01 and more earns the regular share savings rate of 0.05% APY. Dividends calculated daily, compounded/posted quarterly. Subject to Change Quarterly
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.
Fisherville, KY Savings Rate Trends
Compare local Fisherville, 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.
Kentucky high-yield savings rates fell 0.121 points over the past 7 days to 1.858% APY, down from 1.980%.
Kentucky standard savings rates fell 0.013 points over the past 7 days to 0.801% APY, down from 0.814%.
Fisherville, Kentucky Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current KY high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings 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 savings average of 1.858% 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 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
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 Fisherville, Kentucky.
Savings Account Earnings in Fisherville, Kentucky
Annual interest earnings at current KY average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.858% APY) | Monthly Earnings | Standard Savings (0.801% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $92.92 / year | $7.74 | $40.04 / year | $3.34 |
| $10,000 | $185.84 / year | $15.49 | $80.08 / year | $6.67 |
| $25,000 | $464.60 / year | $38.72 | $200.20 / year | $16.68 |
| $50,000 | $929.20 / year | $77.43 | $400.40 / year | $33.37 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Fisherville, Kentucky savings rate averages as of September 16, 2026. | ||||
About Our Fisherville, Kentucky Savings Rate Database
MonitorBankRates found 1 institution with branches in Fisherville, plus 22 additional state-chartered and national online institutions available to Fisherville residents. 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 (1–5), 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: Peoples Bank Taylorsville, KY offers a savings account at 0.05% APY. Use the rate table above to compare all current offers in Fisherville, Kentucky.
How to Find the Best Savings Rates in Fisherville, Kentucky
What to compare when shopping for a savings account in Fisherville, Kentucky
To find the best savings APYs in Fisherville, Kentucky, start with credit unions and online-only banks: Fisherville, Kentucky has 15 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current KY high-yield savings average is 1.858% Use the table above to find the best available offer.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Fisherville, Kentucky high-yield savings rates currently average 1.858% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Fisherville, Kentucky institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 23 institutions in Fisherville, Kentucky report savings 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 → Fisherville, Kentucky CD rates
- You want check-writing flexibility → Fisherville, Kentucky money market rates
- You need daily transaction access → Fisherville, 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 savings average of 1.858%, saving 10% of the local median salary ($4,063/year) would earn an additional $76 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Fisherville, Kentucky Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Fisherville, Kentucky.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current KY Avg APY | 1.858% | 0.801% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Fisherville, Kentucky averages tracked in our database as of September 16, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Fisherville, Kentucky
At KY’s top rate of 0.05% from Peoples Bank Taylorsville, KY, a $10,000 deposit earns $5 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Fisherville, Kentucky earner is roughly $10,200. At 1.858% APY, saving $850/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsKentucky’s high-yield savings average is 1.858% APY, variable and always accessible. 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 Fisherville, Kentucky earner makes $40,635/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.858% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.858% APY grows to roughly $36,131 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 Fisherville, Kentucky savings 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 Savings Rate Data: We aggregate savings account rates for Fisherville, 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 Fisherville, 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 Fisherville, Kentucky
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Fisherville, Kentucky safe?
How often do savings rates change in Fisherville, Kentucky?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Fisherville, Kentucky?
How do I open a savings account in Fisherville, Kentucky?
Best Savings Rates in Fisherville, Kentucky
- Peoples Bank Taylorsville, KY
Christmas Club Savings: 0.05% APY - Cinfed Federal Credit Union
Kasasa Saver Savings: 10.00% APY - Louisville Gas & Electric Company Credit Union
Accumulation Share: 5.12% APY - Cove Federal Credit Union
High Yield Savings Account: 4.00% APY - University of Kentucky Federal Credit Union
High Yield Savings Account ($0 to $25,000): 4.00% APY
Fisherville, Kentucky Rates & Resources
