Murray, 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 Murray, Kentucky and the surrounding area include Murray BankMurray Bank405 S 12th St, Murray, KY 42071A+5.0 ★Texas Ratio: 0.35% E-Savings at 2.00% APY, Signet Federal Credit UnionSignet Federal Credit Union1560 Lowes Dr, Murray, KY 42071A+5.0 ★Texas Ratio: 3.03% Health Savings at 1.25% APY, Lake Chem Community Federal Credit UnionLake Chem Community Federal Credit Union1105 Octane Dr, Murray, KY 42071A+5.0 ★Texas Ratio: 5.23% Premium Share Savings Account at 0.70% APY, Community Financial Services Bank (CFSB)Community Financial Services Bank (CFSB)1721 N 12th St, Murray, KY 42071A5.0 ★Texas Ratio: 12.27% Community Savings at 0.25% APY, and Kemba Credit UnionKemba Credit Union5935 Merchants St, Florence, KY 41042 1198A5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY.
To see how these savings rates in Murray, 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 Murray, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Murray, Kentucky and the surrounding area. Last Updated and Verified: March 20, 2026
Murray, KY Savings Rate Trends
Compare local Murray, 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
2.144%
Kentucky high-yield savings rates currently average 2.144% APY based on data from institutions in our monitoring network.
Standard Savings — KY Avg
0.446%
▼ 0.004 from last week
Kentucky standard savings rates fell 0.004 points this week to 0.446% APY, down from 0.450% last week.
As of Mar 20, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Murray, Kentucky & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 15, 2026
Details
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 15, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Health Savings
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Regular & Special Savings
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Regular & Special Savings
1.10%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Regular & Special Savings
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
E-Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Premium Share Savings Account
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Share Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Premium Share Savings Account
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Regular & Special Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Share Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
E-Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Premium Share Savings Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Christmas Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Share Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Premium Share Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Regular & Special Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Vacation Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Share Savings Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1560 Lowes Dr, Murray, KY 42071
Vacation Savings Account
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Interest rates and dividends are determined by the average daily balance method and credited to your account quarterly.
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Premium Share Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
1721 N 12th St, Murray, KY 42071
Community Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Share Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Premium Share Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Murray Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
405 S 12th St, Murray, KY 42071
Statement Savings
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details
minimum of $50 to open
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
1721 N 12th St, Murray, KY 42071
Community Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Lake Chem Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1105 Octane Dr, Murray, KY 42071
Share Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
1721 N 12th St, Murray, KY 42071
Community Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
1721 N 12th St, Murray, KY 42071
Community Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Community Financial Services Bank (CFSB)
Institution Rating:
A5.0 ★Texas Ratio: 12.27%
1721 N 12th St, Murray, KY 42071
Community Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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 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 17, 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 18, 2026
Details
Round up savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice.
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 15, 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 15, 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 15, 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 18, 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
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 16, 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 15, 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 15, 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 18, 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.
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 18, 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 18, 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
Club Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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 20, 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 16, 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%
2555 Us 41 N, Henderson, KY 42420
Health Savings Account
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Murray, 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 Murray, 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 Murray, 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 Murray, 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 Murray, 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 Murray, 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 Murray, Kentucky?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Murray, Kentucky offer in-person customer service, which some customers prefer.
How do I open a savings account in Murray, 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 Murray, Kentucky
Here are recent savings rates observed in Murray, Kentucky and the surrounding area:
- Murray Bank
E-Savings — 2.00% APY - Signet Federal Credit Union
Health Savings — 1.25% APY - Lake Chem Community Federal Credit Union
Premium Share Savings Account — 0.70% APY - Community Financial Services Bank (CFSB)
Community Savings — 0.25% APY - Kemba Credit Union
Ohio Homebuyer Plus Savings — 6.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Murray, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
