Nicholasville, 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 Nicholasville, Kentucky and the surrounding area include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY1091 N Main St, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 2.66% Round UP Savings at 5.00% APY, University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit Union201 Bryant Dr, Nicholasville, KY 40356A5.0 ★Texas Ratio: 7.63% Share Savings Account at 4.00% APY, PNC BankPNC Bank850 N Main St, Nicholasville, KY 40356A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Central Bank & Trust CompanyCentral Bank & Trust Company301 N Main St, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 1.91% Savings Accounts at 0.75% APY, and Monticello Banking CompanyMonticello Banking Company104 Springdale Dr, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 1.68% REWARDSavings at 0.60% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Nicholasville, 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 Nicholasville, Kentucky (KY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Nicholasville, Kentucky and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Nicholasville, Kentucky & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
1091 N Main St, Nicholasville, KY 40356
Round UP Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
High Yield Savings Account Tier 1
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $25,000.00
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
High Yield Savings Account
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $25,000.00
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
3.59%
$0
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
3.34%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
850 N Main St, Nicholasville, KY 40356
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%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
3.09%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
2.34%
$0
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
High Yield Savings Account Tier 5
1.50%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
High Yield Savings Account Tier 4
1.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
High Yield Savings Account Tier 3
0.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
301 N Main St, Nicholasville, KY 40356
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%
104 Springdale Dr, Nicholasville, KY 40356
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%
301 N Main St, Nicholasville, KY 40356
Health Savings Accounts
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
High Yield Savings Account Tier 2
0.50%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1039 N Main St, Nicholasville, KY 40356 2312
Flexible Traditional, Roth & Coverdell Ed. Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Variable interest rate, may change monthly
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1039 N Main St, Nicholasville, KY 40356 2312
Regular Shares
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
($5.00 minimum balance)
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1039 N Main St, Nicholasville, KY 40356 2312
Health Savings Account (HSA)
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Share Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
1091 N Main St, Nicholasville, KY 40356
Minor Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
1091 N Main St, Nicholasville, KY 40356
Regular Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
1091 N Main St, Nicholasville, KY 40356
Vacation Club/Christmas Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Club Savings
0.10%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
IRA Savings
0.10%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Senior Share
0.10%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
201 Bryant Dr, Nicholasville, KY 40356
Prime Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
850 N Main St, Nicholasville, KY 40356
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%
850 N Main St, Nicholasville, KY 40356
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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
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%
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.
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
SAVINGSELITE
2.53%
$25,000
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 26, 2026
Details
Balances $25,000.00 or more
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
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 28, 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 28, 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.
Nicholasville, KY Savings Rate Trends
Compare local Nicholasville, 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%
▲ 0.198 from last week
Kentucky high-yield savings rates rose 0.198 points this week to 1.997% APY, up from 1.799% last week.
Standard Savings — KY Avg
0.573%
▲ 0.298 from last week
Kentucky standard savings rates rose 0.298 points this week to 0.573% APY, up from 0.275% last week.
As of Mar 28, 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 Nicholasville, 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 Nicholasville, 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 Nicholasville, 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 Nicholasville, 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 Nicholasville, 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 Nicholasville, 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 Nicholasville, Kentucky?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Nicholasville, Kentucky offer in-person customer service, which some customers prefer.
How do I open a savings account in Nicholasville, 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 Nicholasville, Kentucky
Here are recent savings rates observed in Nicholasville, Kentucky and the surrounding area:
- Commonwealth Credit Union Frankfort, KY
Round UP Savings — 5.00% APY - University of Kentucky Federal Credit Union
Share Savings Account — 4.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Central Bank & Trust Company
Savings Accounts — 0.75% APY - Monticello Banking Company
REWARDSavings — 0.60% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Nicholasville, Kentucky. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
