Best 18-Month CD Rates in Kentucky, KY

You are viewing rates from banks across Kentucky

Below are eighteen-month Certificates of Deposit (CD) rates from banks in Kentucky . Eighteen Month CDs offer a bit more yield than 1-year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

KY - August 4, 2025

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Prime Alliance Bank	4.20%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.00% → 4.20%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Bank5 Connect	4.15%	$500	-	Learn More Add Review
Available in all states except MA/RI.
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Merrick Bank	4.15%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.15% → 4.05% → 4.20% → 4.15%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Finworth, a division of InsBank	4.15%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 8 months interest. Rate History: 3.75% → 3.85% → 4.30% → 4.20% → 4.15%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Valley Direct, a division of Valley National Bank	4.15%	$500	-	Learn More Add Review
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Charles Schwab Bank, SSB	4.10%	$1,000	-	Learn More
Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
M.Y. Safra Bank	4.05%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.85%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.05%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.85% → 4.40% → 3.95% → 4.16% → 4.05%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Colorado Federal Savings Bank	4.05%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months Interest. Rate History: 4.75% → 4.45% → 4.05% → 3.95% → 4.05%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Rising Bank, a division of Midwest BankCentre	4.05%	$5,000	-	Learn More Add Review
One-time bump CD. Early Withdrawal Penalty is 180 days interest. Rate History: 3.90% → 4.15% → 3.95% → 4.20% → 4.05%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Goldman Sachs Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.90% → 4.10% → 4.00%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Limelight Bank, A division of Capital Community Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%
Savvysaver \| Jun 26, 2020 Rate not current Read More
CFG Bank	4.00%	$500	-	Learn More Add Review
Early Withdrawal penalty is 180 days interest. Rate History: 3.85% → 4.10% → 4.00% → 3.75% → 4.00%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
American Bank & Trust Company, Inc. Louisville Road Branch	4.00%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 5.05% → 4.00%
Bask Bank, a division of Texas Capital Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.20% → 4.00% → 3.90% → 4.00%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
First Internet Bank of Indiana	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days. Rate History: 4.72% → 4.57% → 4.15% → 4.00% → 3.90%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.87%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.85%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.35% → 3.85%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.80%	$2,500	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 3.80% → 4.00% → 3.80%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Earty Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Synchrony Bank	3.80%	$0	-	Learn More Add Review
Rate History: 5.25% → 4.50% → 4.25% → 4.10% → 3.80%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Vio Bank, A Division of MidFirst Bank	3.80%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bread Savings, a division of Bread Financial	3.80%	$1,500	-	Learn More Add Review
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.20% → 3.90% → 4.25% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Canadian Imperial Bank USA	3.76%	$1,000	-	Learn More Add Review
Rate History: 5.17% → 5.26% → 4.90% → 4.47% → 3.76%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Citibank, National Association	3.75%	$0	-	Learn More
Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Ally Bank	3.70%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.90% → 3.80% → 3.70%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One 360	3.70%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Gateway First Bank	3.70%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Capital One, National Association	3.70%	$0	-	Learn More
Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
TIAA Bank / Everbank	3.60%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 4.00% → 3.75% → 3.70% → 3.60%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Salem Five Direct	3.50% 2.95%	$10,000 $500	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 12 months of interest Rate History: 0.55% → 4.50% → 4.75% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
LendingClub	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.75% → 4.40% → 3.75% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Wells Fargo Bank, National Association	3.50%	$5,000	-	Learn More
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
MainStreet Bank	3.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 9 months interest. Rate History: 3.25% → 3.00% → 3.25%
IncredibleBank	3.03%	$1,000	-	Learn More Add Review
• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings. Rate History: 0.25% → 0.15% → 3.82% → 3.03%
nonsense \| May 21, 2021 avoid this Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.00% → 4.50% → 4.25% → 3.25% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Dollar Savings Direct, a division of Emigrant Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.00% → 2.75%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
Memory Bank, a division of Republic Bank & Trust Company	2.65%	$1,000	-	Learn More Add Review
Frank \| Apr 8, 2019 Their online interface is circa 2004. They limit the number of accounts you can set up for ACH. And they sit on ACH transfers.... for days. Not sure if the good rates are worth it. Read More
Chesapeake Bank	2.36%	$1,000	-	Learn More Add Review
Rate History: 0.85% → 1.25% → 2.60% → 2.36%
ruler009 \| May 26, 2017 Before009 Read More
JPMorgan Chase Bank, National Association Highland Baxter Branch	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More
Rate History: 4.65% → 4.20% → 4.05% → 2.80% → 1.80%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
Hingham Savings	1.75%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.65%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 2.80% → 1.65%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Meade County Bank River Ridge Shopping Center Branch	1.25%	$10,000	-	Learn More Add Review
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	1.10%	$10,000	-	Learn More Add Review
United Community Bank of West Kentucky, Inc. Clay Branch	1.00%	$10,000	-	Learn More
Norval Baird \| Apr 15, 2020 There is room for improvement in any business. And UCB Is at top of list for lack of need for improvement . They have always been at their best in terms of overall management, firm loan management, fr... Read More Reviews (1)
First State Bank Rough River Branch	1.00%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Kentucky Danville Br Branch	1.00%	$10,000	-	Learn More
CD Dreamer \| Aug 17, 2015 I can only dream about CD rates returning to these levels like the 1970's. Read More Reviews (6)
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Bank of Clarkson Main Street Leitchfield Branch	0.90%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.90%	$10,000	-	Learn More Add Review
The Cecilian Bank Downtown Branch	0.85%	$1,000	-	Learn More
Machjen \| Oct 10, 2023 Horrible. Turned me into collections for a paid off loan that was never late then tried to blame me for paying it online...i actually verified at the drive threw that it was paid in full...also held a lar... Read More Reviews (1)
Magnolia Bank Hodgenville Branch	0.85%	$500	-	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
The Sacramento Deposit Bank Caneyville Branch	0.85%	$100,000	-	Learn More Add Review
River City Bank, Inc. Greenwood Road Branch	0.85%	$10,000	-	Learn More
BBN \| Aug 28, 2021 The posted rates for River City Bank are not accurate. I have inquired at the bank more than once. Read More Reviews (2)
West Point Bank West Point Branch	0.80%	$10,000	-	Learn More Add Review
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	0.80%	$10,000	-	Learn More Add Review
Heritage Bank, Inc. North Branch	0.75%	$500	-	Learn More Add Review
Bank of Edmonson County Boec Branch Office Branch	0.75%	$100,000	-	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	0.70%	$10,000	-	Learn More Add Review
First United Bank and Trust Company First United Bank And Trust Company Branch	0.70%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Buffalo Bank Of Buffalo Branch	0.70%	$10,000	-	Learn More Add Review
Security Bank and Trust Company Fulton Bank Branch	0.65%	$10,000	-	Learn More Add Review
Franklin Bank & Trust Company South Branch	0.65%	$100,000	-	Learn More Add Review
Forcht Bank, National Association Grant - Crittenden Branch	0.65%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank Florence Branch	0.65%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Clinton Bank Clinton Bank Branch	0.63%	$10,000	-	Learn More Add Review
Taylor County Bank Taylor County Bank Branch	0.60%	$500	-	Learn More Add Review
Bank of Edmonson County Boec Branch Office Branch	0.60%	$10,000	-	Learn More Add Review
The Sacramento Deposit Bank Caneyville Branch	0.60%	$10,000	-	Learn More Add Review
Field & Main Bank Field & Main Bank Branch	0.60%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.60%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	0.60%	$100,000	-	Learn More Add Review
Home Savings Bank, FSB Home Savings Bank, Fsb Branch	0.60%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company Main Street Branch	0.60%	$10,000	-	Learn More Add Review
United Citizens Bank of Southern Kentucky United Citizens Bank Of Southern Ken Branch	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Manchester The First National Bank Of Manchester Branch	0.60%	$100,000	-	Learn More Add Review
The Murray Bank 700 B North 12th Street Branch	0.55%	$1,000	-	Learn More Add Review
The Farmers Bank Wilmore Branch	0.55%	$500	-	Learn More Add Review
First Kentucky Bank, Inc. Cunningham Branch	0.55%	$100,000	-	Learn More Add Review
Franklin Bank & Trust Company South Branch	0.55%	$10,000	-	Learn More Add Review
Hyden Citizens Bank Wooton Branch	0.55%	$10,000	-	Learn More Add Review
Peoples Exchange Bank Highways 52-11 Branch	0.50%	$10,000	-	Learn More Add Review
The Huntington National Bank Plantation Pointe Branch	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Independence Bank of Kentucky Highway 54 Branch	0.50%	$10,000	-	Learn More
Pearl Girl GA \| Mar 30, 2023 Independence Bank 1776 Owensboro has been our partner for more than 20 years. We moved have lived in several states for work and we always got great service. One of the most outstanding feats of service o... Read More Reviews (1)
South Central Bank, Inc. Dixie Hwy Branch	0.50%	$10,000	-	Learn More Add Review
Commonwealth Community Bank, Inc. Centertown Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	0.50%	$100,000	-	Learn More Add Review
Bedford Loan & Deposit Bank Pendleton Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Bank of Kentucky, Inc. Winchester Branch	0.50%	$10,000	-	Learn More Add Review
First & Farmers National Bank, Inc. Nancy Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Columbia Jamestown Street Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Jamestown Russell Springs Branch	0.50%	$10,000	-	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
Jackson County Bank Sandgap Branch	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Manchester The First National Bank Of Manchester Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	0.45%	$500	-	Learn More Add Review
First & Peoples Bank and Trust Company Ashland Plaza Branch	0.45%	$100,000	-	Learn More Add Review
United Cumberland Bank Pine Knot Branch	0.45%	$10,000	-	Learn More Add Review
Springfield State Bank Willisburg Branch	0.41%	$500	-	Learn More Add Review
Lewisburg Banking Company Russellville Branch	0.40%	$1,000	-	Learn More
kateast \| Jun 7, 2018 Friendly people; good place to do business. Read More Reviews (1)
First Financial Bank, National Association	0.40%	$10,000	-	Learn More Add Review
Bank of Cadiz and Trust Company Bank Of Cadiz And Trust Company Branch	0.40%	$10,000	-	Learn More Add Review
United Southern Bank Clifty Branch	0.40%	$10,000	-	Learn More Add Review
Auburn Banking Company Auburn Banking Company Branch	0.40%	$10,000	-	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	0.40%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.40%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	0.40%	$10,000	-	Learn More Add Review
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	0.40%	$1,000	-	Learn More Add Review
Peoples Bank of Kentucky, Inc. Hillsboro Branch	0.40%	$10,000	-	Learn More Add Review
The First National Bank of Brooksville Drive-Thru Branch	0.40%	$10,000	-	Learn More Add Review
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	0.40%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company Ashland Plaza Branch	0.40%	$10,000	-	Learn More Add Review
The Commercial Bank of Grayson Olive Hill Branch	0.40%	$10,000	-	Learn More Add Review
Kentucky Farmers Bank Corporation Suburban Branch	0.40%	$10,000	-	Learn More Add Review
Cumberland Valley National Bank & Trust Company Wal-Mart Superstore Branch	0.40%	$10,000	-	Learn More Add Review
Citizens Bank Brodhead Branch	0.40%	$10,000	-	Learn More Add Review
Peoples Exchange Bank Highways 52-11 Branch	0.40%	$10,000	-	Learn More Add Review
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	0.37%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company Hwy 22 Branch	0.35%	$10,000	-	Learn More
JEKuhn \| May 20, 2017 I received a check from them, misplaced it and now have found. Two years old. What now? Read More Reviews (1)
FirstBank	0.35%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc. Riverfront Plaza Branch	0.35%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Community Center Branch	0.35%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Whitaker Bank Franklin Square Branch	0.35%	$10,000	-	Learn More
z h \| Nov 18, 2020 I had a charge that wasn't authorized, and they told me there is nothing they can do about it because in the past it was authorized. Are you serious? So if someone takes your card and goes to Walmart.com a... Read More Reviews (2)
FIRST STATE BANK OF THE SOUTHEAST, INC Harlan Road Branch	0.35%	$10,000	-	Learn More Add Review
Hometown Bank of Corbin, Inc. Master Street Branch	0.35%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.35%	$1,000	-	Learn More Add Review
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.35%	$100,000	-	Learn More Add Review
First Community Bank of the Heartland, Inc. Kevil Banking Center Branch	0.31%	$500	-	Learn More Add Review
Commercial Bank Commercial Bank Branch	0.30%	$500	-	Learn More Add Review
The Farmers National Bank of Lebanon Campbellsville Highway Branch	0.30%	$500	-	Learn More Add Review
The Monticello Banking Company Village Center Branch	0.30%	$500	-	Learn More
Marty Clark \| May 31, 2024 This bank tells you one thing and does another, my experience with them was awful, my account stayed gomed up you could deposit money on Friday and it might not be there showing till Tuesday or later,I'v... Read More Reviews (1)
Veritex Community Bank	0.30%	$10,000	-	Learn More Add Review
The Peoples Bank Elk Creek Branch	0.30%	$10,000	-	Learn More Add Review
OneLocal Bank	0.30%	$500	-	Learn More Add Review
Rate History: 0.30% → 1.26% → 0.30%
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.25%	$10,000	-	Learn More Add Review
Bank of Maysville Aa Highway Branch	0.25%	$10,000	-	Learn More Add Review
PBK BANK, INC. Hustonville Branch	0.25%	$10,000	-	Learn More Add Review
Home Federal Bank Corporation Village Center Branch	0.25%	$10,000	-	Learn More Add Review
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	0.24%	$5,000	-	Learn More Add Review
First Harrison Bank John Harper Highway Branch	0.20%	$2,500	-	Learn More
vernon Wayne Coats \| Sep 26, 2015 Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More Reviews (1)
FNB Bank, Inc. Wingo Branch	0.20%	$1,000	-	Learn More Add Review
Wilson & Muir Bank & Trust Company Bloomfield Branch	0.20%	$10,000	-	Learn More Add Review
Security Bank and Trust Co. U.S. 68 Branch	0.20%	$10,000	-	Learn More Add Review
Traditional Bank, Inc. Jeffersonville Branch	0.20%	$10,000	-	Learn More Add Review
The Peoples Bank Mount Washington Drive In Branch	0.20%	$10,000	-	Learn More Add Review
The Farmers National Bank of Danville Harrodsburg Branch	0.20%	$10,000	-	Learn More Add Review
Bank of Lexington, Inc. Tates Creek Branch	0.20%	$10,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
Farmers Bank and Trust Company Salem Office Branch	0.15%	$500	-	Learn More Add Review
Old National Bank Chamberlain Pointe Branch	0.15%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
The Citizens National Bank of Somerset Plaza Branch	0.15%	$1,000	-	Learn More
preachjon@gmail.com \| Mar 26, 2021 So my bank citizens national bank of Somerset ky. They have previously in the past deposited the wrong person's tax account into my account and taking it back out without my whereabouts which made my accou... Read More Reviews (1)
The Citizens National Bank of Lebanon The Citizens National Bank Of Lebano Branch	0.10%	$10,000	-	Learn More Add Review
Sebree Deposit Bank Sebree Deposit Bank Branch	0.10%	$500	-	Learn More Add Review
First Kentucky Bank, Inc. Cunningham Branch	0.10%	$10,000	-	Learn More Add Review
Banterra Bank Paducah West-3300 Branch	0.10%	$10,000	-	Learn More Add Review
First Southern National Bank First Southern National Bank Branch	0.10%	$10,000	-	Learn More Add Review
First Financial Bank Burlington Branch	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$10,000	-	Learn More
Rate History: 4.75% → 0.01% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association Madisonville Main Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Regions Bank Lacenter Branch	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
PNC Bank, National Association Newport Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
OneWest Bank, a division of First-Citizens Bank and Trust	0.02%	$500	-	Learn More Add Review
Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
American Bank & Trust Company, Inc. Louisville Road Branch	3411 Louisville Road	Bowling Green	KY
JPMorgan Chase Bank, National Association Highland Baxter Branch	970 Baxter Avenue	Louisville	KY
Meade County Bank River Ridge Shopping Center Branch	By-Pass Road	Brandenburg	KY
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	433 Madison Ave	Covington	KY
United Community Bank of West Kentucky, Inc. Clay Branch	54 Hearin St	Clay	KY
First State Bank Rough River Branch	9666 South Highway 259	Mcdaniels	KY
First Federal Savings Bank of Kentucky Danville Br Branch	340 W Main St	Danville	KY
Bank of Clarkson Main Street Leitchfield Branch	417 South Main Street	Leitchfield	KY
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	Main & Lovern Streets	Hazard	KY
The Cecilian Bank Downtown Branch	222 South Main Street	Hardinsburg	KY
Magnolia Bank, Incorporated Hodgenville Branch	794 Old Elizabethtown Road	Hodgenville	KY
The Sacramento Deposit Bank Caneyville Branch	102 N Main St	Caneyville	KY
River City Bank, Inc. Greenwood Road Branch	6308 Greenwood Road	Louisville	KY
West Point Bank West Point Branch	601 Main Street	West Point	KY
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	3827 Shelbyville Road	Louisville	KY
Heritage Bank, Inc. North Branch	U.S. Highway 27	Butler	KY
Bank of Edmonson County Boec Branch Office Branch	6780 Louisville Rd	Bowling Green	KY
The Citizens Bank The Citizens Bank Branch	1522 Union City Highway	Hickman	KY
First United Bank and Trust Company First United Bank And Trust Company Branch	162 North Main Street	Madisonville	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
Bank of Buffalo Bank Of Buffalo Branch	2441 Greensburg Road	Buffalo	KY
Security Bank and Trust Company Fulton Bank Branch	One Bankers Plaza	Fulton	KY
Franklin Bank & Trust Company South Branch	903 South Main Street	Franklin	KY
Forcht Bank, National Association Grant - Crittenden Branch	I-75 And Violet Road	Crittenden	KY
Guardian Savings Bank Florence Branch	7550 Mall Road	Florence	KY
Clinton Bank Clinton Bank Branch	220 East Clay Street	Clinton	KY
Taylor County Bank Taylor County Bank Branch	Broadway And Lebanon Avenues	Campbellsville	KY
Bank of Edmonson County Boec Branch Office Branch	6780 Louisville Rd	Bowling Green	KY
The Sacramento Deposit Bank Caneyville Branch	102 N Main St	Caneyville	KY
Field & Main Bank Field & Main Bank Branch	Walnut And Pike Streets	Cynthiana	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	940 Bloomfield Road	Bardstown	KY
Home Savings Bank, FSB Home Savings Bank, Fsb Branch	202 Elm Street	Ludlow	KY
Citizens Bank & Trust Company Main Street Branch	408 East Main Street	Campbellsville	KY
United Citizens Bank of Southern Kentucky United Citizens Bank Of Southern Ken Branch	700 Jamestown Street	Columbia	KY
The First National Bank of Manchester The First National Bank Of Manchester Branch	2770 State Highway 421 South	Garrard	KY
The Murray Bank 700 B North 12th Street Branch	700 B North 12th Street	Murray	KY
The Farmers Bank Wilmore Branch	213 East Main Street	Wilmore	KY
First Kentucky Bank, Inc. Cunningham Branch	8141 Ushwy 62	Cunningham	KY
Franklin Bank & Trust Company South Branch	903 South Main Street	Franklin	KY
Hyden Citizens Bank Wooton Branch	5244 Kentucky Highway 80	Wooton	KY
Peoples Exchange Bank Highways 52-11 Branch	Highways 52 And 11	Beattyville	KY
The Huntington National Bank Plantation Pointe Branch	8723 Us Hwy 42	Florence	KY
Independence Bank of Kentucky Highway 54 Branch	3228 Highway 54	Owensboro	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
Commonwealth Community Bank, Inc. Centertown Branch	Main Street And Highway 69	Centertown	KY
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	41 Ferry Street	Milton	KY
Bedford Loan & Deposit Bank Pendleton Branch	973 Pendleton Road	Pendleton	KY
Citizens Bank of Kentucky, Inc. Winchester Branch	695 Bullion Boulevard	Winchester	KY
First & Farmers National Bank, Inc. Nancy Branch	9260 Highway 80	Nancy	KY
Bank of Columbia Jamestown Street Branch	807 Jamestown Street	Columbia	KY
Bank of Jamestown Russell Springs Branch	43 Highway 910	Russell Springs	KY
Jackson County Bank Sandgap Branch	82 Highway 2004	Mc Kee	KY
The First National Bank of Manchester The First National Bank Of Manchester Branch	2770 State Highway 421 South	Garrard	KY
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	41 Ferry Street	Milton	KY
First & Peoples Bank and Trust Company Ashland Plaza Branch	Ashland Plaza Shopping Center	Russell	KY
United Cumberland Bank Pine Knot Branch	3995 South Highway 27	Pine Knot	KY
Springfield State Bank Willisburg Branch	2559 Main Street	Willisburg	KY
Lewisburg Banking Company Russellville Branch	780 Hopkinsville Road	Russellville	KY
Bank of Cadiz and Trust Company Bank Of Cadiz And Trust Company Branch	Main And Scott Streets	Cadiz	KY
United Southern Bank Clifty Branch	Highway 181	Clifty	KY
Auburn Banking Company Auburn Banking Company Branch	Main And Lincoln Streets	Auburn	KY
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	U.S. Highway 70 & State Highway 403	Morgantown	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	940 Bloomfield Road	Bardstown	KY
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	604 Highland Avenue	Carrollton	KY
Peoples Bank of Kentucky, Inc. Hillsboro Branch	Route 111	Hillsboro	KY
The First National Bank of Brooksville Drive-Thru Branch	107 East Miami Street	Brooksville	KY
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	26 Second Street	Vanceburg	KY
First & Peoples Bank and Trust Company Ashland Plaza Branch	Ashland Plaza Shopping Center	Russell	KY
The Commercial Bank of Grayson Olive Hill Branch	Tom T. Hall Boulevard	Olive Hill	KY
Kentucky Farmers Bank Corporation Suburban Branch	U.S. Highway 60	Boyd County	KY
Cumberland Valley National Bank & Trust Company Wal-Mart Superstore Branch	1851 Kentucky 192	London	KY
Citizens Bank Brodhead Branch	53 South Main Street	Brodhead	KY
Peoples Exchange Bank Highways 52-11 Branch	Highways 52 And 11	Beattyville	KY
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	215 Mountain Parkway Spur	Campton	KY
Republic Bank & Trust Company Hwy 22 Branch	9600 Brownsboro Rd	Louisville	KY
WesBanco Bank, Inc. Riverfront Plaza Branch	471 West Main Street	Louisville	KY
Armed Forces Bank, National Association Community Center Branch	131 Gold Vault Road	Fort Knox	KY
Whitaker Bank Franklin Square Branch	U.S. Highway 127	Frankfort	KY
First State Bank of the Southeast, Inc Harlan Road Branch	U.S. Highway 119	Pineville	KY
Hometown Bank of Corbin, Inc. Master Street Branch	501 Master Street	Corbin	KY
Farmers State Bank Farmers State Bank Branch	Main Street	Booneville	KY
The First National Bank of Williamson The First National Bank Of Williamso Branch	109 Prater Place, Suite 100	Pikeville	KY
First Community Bank of the Heartland, Inc. Kevil Banking Center Branch	952 Kentucky Avenue	Kevil	KY
Commercial Bank Commercial Bank Branch	550 Main Street	West Liberty	KY
The Farmers National Bank of Lebanon Campbellsville Highway Branch	2160 Campbellsville Road	Lebanon	KY
The Monticello Banking Company Village Center Branch	181 Finance Street	Harlan	KY
The Peoples Bank Elk Creek Branch	5511 Taylorsville Road	Fisherville	KY
The First National Bank of Williamson The First National Bank Of Williamso Branch	109 Prater Place, Suite 100	Pikeville	KY
Bank of Maysville Aa Highway Branch	253 Wal-Mart Way	Maysville	KY
PBK BANK, INC. Hustonville Branch	Bradfordsville Road	Hustonville	KY
Hearthside Bank Corporation Village Center Branch	185 Finance Street	Harlan	KY
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	555 Jefferson Street	Paducah	KY
First Harrison Bank John Harper Highway Branch	550 John Harper Highway	Shepherdsville	KY
FNB Bank, Inc. Wingo Branch	9606 Highway 45 S.	Wingo	KY
Wilson & Muir Bank & Trust Company Bloomfield Branch	105 Taylorsville Road	Bloomfield	KY
Security Bank and Trust Co. U.S. 68 Branch	1426 U.S. 68 South	Maysville	KY
Traditional Bank, Inc. Jeffersonville Branch	7880 Main Street	Jeffersonville	KY
Peoples Bank, Mt. Washington Mount Washington Drive In Branch	415 Oakbrooke Drive	Mount Washington	KY
The Farmers National Bank of Danville Harrodsburg Branch	776 South College Street	Harrodsburg	KY
Bank of Lexington, Inc. Tates Creek Branch	866 Malabu Drive	Lexington	KY
Farmers Bank and Trust Company Salem Office Branch	216 West Main Street	Salem	KY
Old National Bank Chamberlain Pointe Branch	9708 Brownsboro Road	Louisville	KY
The Citizens National Bank of Somerset Plaza Branch	293 North Highway 27	Somerset	KY
Citizens Bank and Trust of Lebanon, Inc. The Citizens National Bank Of Lebano Branch	149 West Main Street	Lebanon	KY
Sonata Bank Sebree Deposit Bank Branch	147 West Main Street	Sebree	KY
First Kentucky Bank, Inc. Cunningham Branch	8141 Ushwy 62	Cunningham	KY
Banterra Bank Paducah West-3300 Branch	5200 Hinkleville Road	Paducah	KY
First Southern National Bank First Southern National Bank Branch	Main And Church Streets	Bremen	KY
First Financial Bank Burlington Branch	Limaburg Road And Jones Circle	Burlington	KY
U.S. Bank National Association Madisonville Main Branch	One South Main Street	Madisonville	KY
Regions Bank Lacenter Branch	312 Broadway	La Center	KY
PNC Bank, National Association Newport Branch	One Carothers Road	Newport	KY
Regions Bank Lacenter Branch	312 Broadway	La Center	KY
Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch	2939 Terminal Drive	Hebron	KY

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 18 month period.
FDIC insurance.
Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for 18 months. Removing it early results in significant penalties.
Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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Kentucky CD Rates – 18-Month

Branches Info around zip 10116

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

SAVINGS & CD CALCULATOR

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