Louisville, Kentucky (KY) Savings Rates - March 2026
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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 Louisville, Kentucky and the surrounding area include 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, KY3704 Frankfort Ave, Louisville, KY 40207A+5.0 ★Texas Ratio: 2.66% Round UP Savings at 5.00% APY, PNC BankPNC Bank101 S 5th St, Louisville, KY 40202A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Advanz Federal Credit UnionAdvanz Federal Credit Union9600 Ormsby Station Rd, Louisville, KY 40223 4008A+5.0 ★Texas Ratio: 1.61% Youth Savings at 2.02% APY, and Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900A+5.0 ★Texas Ratio: 1.06% Regular Shares at 2.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Louisville, 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 Louisville, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Louisville, Kentucky and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Louisville, Kentucky & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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%
3704 Frankfort Ave, Louisville, KY 40207
Round UP Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 S 5th St, Louisville, KY 40202
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Regular Shares
2.00%
$0
▼
Rate0.00%
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
Share Savings
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Regular Shares
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Regular Shares
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
7215 Riverport Plaza Dr, Louisville, KY 40258
Share Savings Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
7215 Riverport Plaza Dr, Louisville, KY 40258
Share Savings Account
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4630 Taylorsville Rd, Louisville, KY 40220
Savings Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Monticello Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
9900 Ormsby Station Rd, Louisville, KY 40223
REWARDSavings
0.60%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 27, 2026
Details
Qualifications Required: Make 10 debit card purchases of $5 or more;Receive monthly [eStatements](https://www.mbcbank.com/online-banking/activate-estatements);Have one direct deposit or automatic payment; Qualifying balance up to $15,000.00
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4630 Taylorsville Rd, Louisville, KY 40220
Health Savings Accounts
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
7215 Riverport Plaza Dr, Louisville, KY 40258
Share Savings Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
IRA Shares & Education Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Regular Shares
0.50%
$0
▼
Rate0.00%
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
Youth Share Savings Account (for members under age 18)
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY 40202
Youth Share Savings Account (for members under age 18)
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY 40223 2002
Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY 40223 3804
IRA Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 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
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1200 Forest Bridge Rd, Louisville, KY 40223 5170
IRA/CESA Share Account
0.25%
$0
▼
Rate0.25%
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
Youth Share Savings Account (for members under age 18)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Regular Share / Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Kemba Louisville Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
4017 Poplar Level Rd, Louisville, KY 40213 1523
Share Draft / Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Youth Share Account
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $10,000.00
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
7215 Riverport Plaza Dr, Louisville, KY 40258
Share Savings Account
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Summer Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
Regular Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
7215 Riverport Plaza Dr, Louisville, KY 40258
Share Savings Account
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Regular Shares
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
IRA Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
Eclipse Investment Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
9265 SMYRNA PKWY, LOUISVILLE, KY 40229
Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY 40223 4008
Regular Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
$100.00 To Earn Dividend
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
601 W Market St, Louisville, KY 40202
Advantage Savings
0.10%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
An interest-bearing savings account with unlimited deposits.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
13903 Promenade Green Way, Louisville, KY 40245
Classic Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Forcht Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
8492 Dixie Hwy, Louisville, KY 40258
Forcht Friend Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
Maximum Advantage Savings Balance
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3400 Dutchmans Ln, Louisville, KY 40205
Minor Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3400 Dutchmans Ln, Louisville, KY 40205
Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Forcht Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
8492 Dixie Hwy, Louisville, KY 40258
Forcht Friend Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $9,999.99
Forcht Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
8492 Dixie Hwy, Louisville, KY 40258
Simple Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
WMB Wilson & Muir B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
130 Saint Matthews Ave, Louisville, KY 40207
Health Savings Balance
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
601 W Market St, Louisville, KY 40202
Easy Savings
0.05%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
A variable rate, interest-bearing savings account with a low minimum balance required.
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 S 5th St, Louisville, KY 40202
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 S 5th St, Louisville, KY 40202
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
201 N Main St, Morgantown, KY 42261
Kasasa Cash* Health Savings Account (HSA)
4.25%
$50
▼
Rate4.17%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
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
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
515 S Mccaslin Boulevard, Louisville, CO 80027
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.
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%
515 S Mccaslin Boulevard, Louisville, CO 80027
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.
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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.
Louisville, KY Savings Rate Trends
Compare local Louisville, 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
1.997%
▲ 0.733 from last week
Kentucky high-yield savings rates rose 0.733 points this week to 1.997% APY, up from 1.264% last week.
Standard Savings — KY Avg
0.605%
▲ 0.405 from last week
Kentucky standard savings rates rose 0.405 points this week to 0.605% APY, up from 0.200% last week.
As of Mar 29, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, Kentucky?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Louisville, Kentucky offer in-person customer service, which some customers prefer.
How do I open a savings account in Louisville, 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 Louisville, Kentucky
Here are recent savings rates observed in Louisville, Kentucky and the surrounding area:
- Louisville Gas & Electric Company Credit Union
Accumulation Share — 5.12% APY - Commonwealth Credit Union Frankfort, KY
Round UP Savings — 5.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Advanz Federal Credit Union
Youth Savings — 2.02% APY - Louisville Federal Credit Union
Regular Shares — 2.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Louisville, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
