Henderson, 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 Henderson, Kentucky and the surrounding area include Heritage Federal Credit UnionHeritage Federal Credit Union2011 US Highway 60 E, Henderson, KY 42420A+5.0 ★Texas Ratio: 1.83% Prime Performance Savings at 2.25% APY, First Federal Savings Bank Evansville, INFirst Federal Savings Bank Evansville, IN2555 Us 41 N, Henderson, KY 42420A-5.0 ★Texas Ratio: 15.03% Health Savings Account at 1.50% APY, Liberty Federal Credit UnionLiberty Federal Credit Union349 Starlite Dr, Henderson, KY 42420A+5.0 ★Texas Ratio: 2.09% IRA/CESA Share Account at 0.25% APY, Kemba Credit UnionKemba Credit Union5935 Merchants St, Florence, KY 41042 1198A5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY, and 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. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Henderson, Kentucky, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Henderson, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Henderson, Kentucky and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Henderson, Kentucky & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 27, 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
1.75%
$10,000
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 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 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
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Prime Performance Savings
1.25%
$10,000
▼
Rate1.24%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 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
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Health Savings Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Rewards Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifications Required; Qualifying balance up to $100,000.00
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Prime Performance Savings
0.75%
$10,000
▼
Rate0.75%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
Next Generation Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
Next Generation Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
Next Generation Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
0.30%
$10,000
▼
Rate0.30%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 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
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
349 Starlite Dr, Henderson, KY 42420
IRA/CESA Share Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
0.25%
$10,000
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 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
0.20%
$10,000
▼
Rate0.20%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
Next Generation Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Primary Share
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Primary Share < 19
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 27, 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
0.15%
$10,000
▼
Rate0.15%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
General Share
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
General Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Primary Share
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Primary Share < 19
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 27, 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
0.10%
$10,000
▼
Rate0.10%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
Next Generation Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
General Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Primary Share
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Rewards Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
0.05%
$10,000
▼
Rate0.05%
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2011 US Highway 60 E, Henderson, KY 42420
Primary Share < 19
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
349 Starlite Dr, Henderson, KY 42420
Special Shares
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
349 Starlite Dr, Henderson, KY 42420
Regular Shares
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A-5.0 ★Texas Ratio: 15.03%
2555 Us 41 N, Henderson, KY 42420
Next Generation Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
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 27, 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 27, 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 27, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
132 N Washington Ave, Henderson, TN 38340
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
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
2514 Dixie Hwy, Fort Mitchell, KY 41017
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.
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%
407 S Chestnut St, Henderson, NC 27536
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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
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 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
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
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
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
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
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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.
Henderson, KY Savings Rate Trends
Compare local Henderson, KY 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%
▲ 0.409 from last week
Kentucky high-yield savings rates rose 0.409 points this week to 1.960% APY, up from 1.551% last week.
Standard Savings — KY Avg
0.573%
▲ 0.373 from last week
Kentucky standard savings rates rose 0.373 points this week to 0.573% APY, up from 0.200% last week.
As of Mar 27, 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 Henderson, 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 Henderson, 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 Henderson, 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 Henderson, 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 Henderson, 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 Henderson, 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 Henderson, Kentucky?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Henderson, Kentucky offer in-person customer service, which some customers prefer.
How do I open a savings account in Henderson, 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 Henderson, Kentucky
Here are recent savings rates observed in Henderson, Kentucky and the surrounding area:
- Heritage Federal Credit Union
Prime Performance Savings — 2.25% APY - First Federal Savings Bank Evansville, IN
Health Savings Account — 1.50% APY - Liberty Federal Credit Union
IRA/CESA Share Account — 0.25% APY - Kemba Credit Union
Ohio Homebuyer Plus Savings — 6.25% APY - Louisville Gas & Electric Company Credit Union
Accumulation Share — 5.12% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Henderson, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
