Kentucky

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Shepherdsville, Kentucky CD Rates – 2-Year

You are viewing rates from banks across Shepherdsville





Below are two-year Certificates of Deposit (CD) rates from banks in Shepherdsville, Kentucky. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Shepherdsville, KY - August 2, 2025

2 Year CD National Average : 0.66% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.15%

| 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

Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00%

| 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

Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

| Nov 18, 2023

bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More

Rate History: 3.50% → 3.50% → 3.75% → 3.50%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00%

| Nov 12, 2018

Helpful w/$ Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

Rate History: 1.00% → 1.55% → 2.25% → 3.50% → 2.25%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| 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

0.95%

$10,000

17.76

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0.90%

$10,000

16.35

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| Sep 20, 2019

100 day cd 2.85% Read More

0.85%

$10,000

21.91

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0.85%

$10,000

13.41

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| Aug 28, 2021

The posted rates for River City Bank are not accurate. I have inquired at the bank more than once. Read More

0.76%

$10,000

12.13

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0.75%

$10,000

21.91

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0.70%

$10,000

21.91

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0.65%

$100,000

16.54

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0.55%

$10,000

21.91

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0.50%

$10,000

16.54

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0.50%

$10,000

24.19

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0.50%

$500

13.38

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0.45%

$10,000

21.91

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

| 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

0.40%

$10,000

21.94

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0.35%

$10,000

18.80

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| Mar 11, 2023

Best Bank in Lexington. FDIC insured but not ruled by the Fed. Read More

| 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

| Sep 26, 2015

Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More

| Mar 28, 2022

Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More

| 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

0.20%

$10,000

19.90

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0.20%

$10,000

8.86

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| 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

| 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

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 Shepherdsville, KY - August 2, 2025


Branch Street City State
Fifth Third Bank, National Association
Valley Station Branch
10437 Dixie Highway Louisville KY
Woodforest National Bank
Elizabethtown Branch
100 Walmart Drive Elizabethtown KY
JPMorgan Chase Bank, National Association
Radcliff Branch
500 West Lincoln Trail Radcliff KY
The Cecilian Bank
Vine Grove Branch
536 Highland Avenue Vine Grove KY
Eclipse Bank, Inc.
Eclipse Bank, Inc. Branch
3827 Shelbyville Road Louisville KY
Meade County Bank
Muldraugh Branch
104 North Dixie Muldraugh KY
Magnolia Bank, Incorporated
Elizabethtown Branch
651 West Dixie Avenue Elizabethtown KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown KY
West Point Bank
West Point Branch
601 Main Street West Point KY
River City Bank, Inc.
Greenwood Road Branch
6308 Greenwood Road Louisville KY
Forcht Bank, National Association
Louisville - Main Branch
8492 Dixie Highway Louisville KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown KY
The Lincoln National Bank of Hodgenville
Lincoln Way Branch
500 Lincoln Way Bardstown KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown KY
The Lincoln National Bank of Hodgenville
Lincoln Way Branch
500 Lincoln Way Bardstown KY
Town & Country Bank and Trust Company
New Haven Branch
148 South Main Street New Haven KY
Stock Yards Bank & Trust Company
5300 Dixie Highway Branch
5300 Dixie Highway Louisville KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown KY
Armed Forces Bank, National Association
Fort Knox Px Branch
127 Gold Vault Road Fort Knox KY
WesBanco Bank, Inc.
Flaherty Branch
4055 Flaherty Road Vine Grove KY
The Peoples Bank
Elk Creek Branch
5511 Taylorsville Road Fisherville KY
Central Bank & Trust Co.
Waterfront Plaza Branch
321 W Main Street Louisville KY
First Harrison Bank
Lebanon Junction Branch
140 South Poplar Street Lebanon Junction KY
Old National Bank
Preston Pointe Banking Branch
333 E Main St, Ste 100 Louisville KY
Wilson & Muir Bank & Trust Company
Vine Grove Branch
123 W Main Street Vine Grove KY
Peoples Bank, Mt. Washington
The Peoples Bank Branch
201 North Bardstown Road Mount Washington KY
U.S. Bank National Association
Valley Station Meijer Branch
9905 Dixie Highway Louisville KY
PNC Bank, National Association
Radcliff Branch
100 North Dixie Highway Radcliff KY
Fifth Third Bank, National Association
Valley Station Branch
10437 Dixie Highway Louisville KY


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

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

  • A higher rate than 12 month CDs in return for leaving the money in the bank longer.
  • A fixed rate during the 24 month period.
  • A generally higher rate for the same term than what can be found in a branch-based bank.
  • FDIC insurance.
  • Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

  • Rates are generally lower than on the top online savings and CD accounts.
  • Money is tied up for two years. Removing it early results in significant penalties.
  • Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

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.

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