Best 4-Year CD Rates in Kentucky, KY

You are viewing rates from banks across Kentucky

Below are four-year CD Rates from banks in Kentucky . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

KY - August 16, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.05% → 4.00% → 3.90% → 4.15% → 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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
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)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
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)
American Bank & Trust Company, Inc. Louisville Road Branch	3.75%	$1,000	-	Learn More Add Review
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$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
Memory Bank, a division of Republic Bank & Trust Company	3.65%	$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
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
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	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
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
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
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
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 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
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
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)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
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)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| 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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| 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
Citizens Ashland Ky Lpo Branch	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
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)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Highland Baxter Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 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	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Taylor County Bank Taylor County Bank Branch	1.35%	$500	-	Learn More Add Review
Citizens Bank & Trust Company Main Street Branch	1.35%	$10,000	-	Learn More Add Review
First State Bank Rough River Branch	1.31%	$10,000	-	Learn More Add Review
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Forcht Bank, National Association Grant - Crittenden Branch	1.26%	$10,000	-	Learn More Add Review
Bank of Clarkson Main Street Leitchfield Branch	1.26%	$10,000	-	Learn More Add Review
West Point Bank West Point Branch	1.26%	$10,000	-	Learn More Add Review
Bank of Jamestown Russell Springs Branch	1.26%	$10,000	-	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
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
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	1.25%	$10,000	-	Learn More Add Review
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	1.25%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Kentucky Danville Br Branch	1.25%	$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)
The First National Bank of Russell Springs Downtown Branch	1.25%	$10,000	-	Learn More Add Review
River City Bank, Inc. Greenwood Road Branch	1.21%	$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)
Bank of Hindman Bank Of Hindman Branch	1.21%	$10,000	-	Learn More Add Review
The Sacramento Deposit Bank Caneyville Branch	1.20%	$100,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	1.16%	$10,000	-	Learn More Add Review
Bank of Edmonson County Boec Branch Office Branch	1.15%	$100,000	-	Learn More Add Review
The Cecilian Bank Downtown Branch	1.15%	$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)
Meade County Bank River Ridge Shopping Center Branch	1.15%	$10,000	-	Learn More Add Review
United Citizens Bank of Southern Kentucky United Citizens Bank Of Southern Ken Branch	1.15%	$10,000	-	Learn More Add Review
The First National Bank of Manchester The First National Bank Of Manchester Branch	1.10%	$100,000	-	Learn More Add Review
Springfield State Bank Willisburg Branch	1.01%	$500	-	Learn More Add Review
The Farmers National Bank of Lebanon Campbellsville Highway Branch	1.00%	$500	-	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)
South Central Bank, Inc. Dixie Hwy Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Edmonson County Boec Branch Office Branch	1.00%	$10,000	-	Learn More Add Review
Home Savings Bank, FSB Home Savings Bank, Fsb Branch	1.00%	$10,000	-	Learn More Add Review
Peoples Bank Peoples Bank Branch	1.00%	$500	-	Learn More Add Review
The First National Bank of Manchester The First National Bank Of Manchester Branch	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Clinton Bank Clinton Bank Branch	0.98%	$10,000	-	Learn More Add Review
Heritage Bank, Inc. North Branch	0.95%	$500	-	Learn More Add Review
Magnolia Bank Hodgenville Branch	0.95%	$500	-	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
The Sacramento Deposit Bank Caneyville Branch	0.95%	$10,000	-	Learn More Add Review
Franklin Bank & Trust Company South Branch	0.95%	$100,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	0.95%	$100,000	-	Learn More Add Review
Bank of Buffalo Bank Of Buffalo Branch	0.95%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.90%	$5,000	-	Learn More Add Review
Lewisburg Banking Company Russellville Branch	0.90%	$1,000	-	Learn More
kateast \| Jun 7, 2018 Friendly people; good place to do business. Read More Reviews (1)
Franklin Bank & Trust Company South Branch	0.90%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.90%	$10,000	-	Learn More Add Review
Town & Country Bank and Trust Company West John Rowan Boulevard Branch	0.90%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank Florence Branch	0.90%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Citizens Bank of Kentucky, Inc. Winchester Branch	0.90%	$10,000	-	Learn More Add Review
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	0.90%	$10,000	-	Learn More Add Review
Field & Main Bank Field & Main Bank Branch	0.85%	$10,000	-	Learn More Add Review
Commonwealth Community Bank, Inc. Centertown Branch	0.85%	$10,000	-	Learn More Add Review
Kentucky Farmers Bank Corporation Suburban Branch	0.85%	$10,000	-	Learn More Add Review
First & Farmers National Bank, Inc. Nancy Branch	0.85%	$10,000	-	Learn More Add Review
First Kentucky Bank, Inc. Cunningham Branch	0.80%	$100,000	-	Learn More Add Review
Auburn Banking Company Auburn Banking Company Branch	0.80%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	0.80%	$10,000	-	Learn More Add Review
Whitaker Bank Franklin Square Branch	0.80%	$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)
The Commercial Bank of Grayson Olive Hill Branch	0.80%	$10,000	-	Learn More Add Review
Citizens Bank Brodhead Branch	0.80%	$10,000	-	Learn More Add Review
Citizens Guaranty Bank Four Mile Branch	0.80%	$10,000	-	Learn More Add Review
Jackson County Bank Sandgap Branch	0.80%	$10,000	-	Learn More Add Review
Commercial Bank Commercial Bank Branch	0.77%	$500	-	Learn More Add Review
United Cumberland Bank Pine Knot Branch	0.76%	$10,000	-	Learn More Add Review
The Murray Bank 700 B North 12th Street Branch	0.75%	$1,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.75%	$500	-	Learn More Add Review
Independence Bank of Kentucky Highway 54 Branch	0.75%	$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	0.75%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company Ashland Plaza Branch	0.75%	$100,000	-	Learn More Add Review
The First National Bank of Grayson Sandy Hook Branch	0.75%	$100,000	-	Learn More Add Review
Bank of Columbia Jamestown Street Branch	0.75%	$10,000	-	Learn More Add Review
Hometown Bank of Corbin, Inc. Master Street Branch	0.75%	$10,000	-	Learn More Add Review
Hyden Citizens Bank Wooton Branch	0.75%	$10,000	-	Learn More Add Review
Peoples Bank & Trust Company of Hazard Airport Gardens Branch	0.75%	$10,000	-	Learn More
Jc \| Aug 5, 2021 This bank is terrible never allow them to keep your money Read More Reviews (1)
The Farmers Bank Wilmore Branch	0.70%	$500	-	Learn More Add Review
Bank of Cadiz and Trust Company Bank Of Cadiz And Trust Company 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
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	0.70%	$100,000	-	Learn More Add Review
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	0.70%	$1,000	-	Learn More Add Review
Bedford Loan & Deposit Bank Pendleton Branch	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Brooksville Drive-Thru Branch	0.70%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company Ashland Plaza Branch	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Grayson Sandy Hook Branch	0.70%	$10,000	-	Learn More Add Review
Peoples Exchange Bank Highways 52-11 Branch	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.70%	$100,000	-	Learn More Add Review
First Harrison Bank John Harper Highway Branch	0.65%	$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)
FirstBank	0.65%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc. Riverfront Plaza Branch	0.65%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company Springhurst Br Branch	0.65%	$500	-	Learn More Add Review
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	0.65%	$500	-	Learn More Add Review
PBK BANK, INC. Hustonville Branch	0.65%	$10,000	-	Learn More Add Review
Cumberland Valley National Bank & Trust Company Wal-Mart Superstore Branch	0.64%	$10,000	-	Learn More Add Review
First Financial Bank, National Association	0.60%	$10,000	-	Learn More Add Review
United Southern Bank Clifty Branch	0.60%	$10,000	-	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	0.60%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Community Center Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.60%	$10,000	-	Learn More Add Review
Fredonia Valley Bank Fredonia Valley Bank Branch	0.55%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.55%	$10,000	-	Learn More Add Review
Central Bank & Trust Company Hurstbourne Plaza Branch	0.55%	$10,000	-	Learn More
Pbar \| Mar 11, 2023 Best Bank in Lexington. FDIC insured but not ruled by the Fed. Read More Reviews (2)
Bank of the Bluegrass and Trust Company Southland Branch	0.55%	$500	-	Learn More Add Review
First Community Bank of the Heartland, Inc. Kevil Banking Center Branch	0.52%	$500	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$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
Planters Bank, Inc. Sebree Facility Branch	0.50%	$10,000	-	Learn More Add Review
The Peoples Bank Elk Creek 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)
Bank of Maysville Aa Highway Branch	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers National Bank of Danville Harrodsburg Branch	0.50%	$10,000	-	Learn More Add Review
The Casey County Bank, Inc. Drive-In Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Lexington, Inc. Tates Creek Branch	0.50%	$10,000	-	Learn More Add Review
The Monticello Banking Company Village Center Branch	0.45%	$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)
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	0.45%	$5,000	-	Learn More Add Review
First Southern National Bank First Southern National Bank Branch	0.45%	$10,000	-	Learn More Add Review
FNB Bank, Inc. Wingo Branch	0.40%	$1,000	-	Learn More Add Review
Veritex Community Bank	0.40%	$10,000	-	Learn More Add Review
Old National Bank Chamberlain Pointe Branch	0.35%	$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)
Traditional Bank, Inc. Jeffersonville Branch	0.35%	$10,000	-	Learn More Add Review
The Citizens National Bank of Lebanon The Citizens National Bank Of Lebano Branch	0.35%	$10,000	-	Learn More Add Review
Sebree Deposit Bank Sebree Deposit Bank Branch	0.30%	$500	-	Learn More Add Review
First Financial Bank Burlington Branch	0.30%	$10,000	-	Learn More Add Review
The Peoples Bank Mount Washington Drive In Branch	0.30%	$10,000	-	Learn More Add Review
Farmers Bank and Trust Company Salem Office Branch	0.29%	$500	-	Learn More Add Review
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
First Kentucky Bank, Inc. Cunningham Branch	0.25%	$10,000	-	Learn More Add Review
Wilson & Muir Bank & Trust Company Bloomfield Branch	0.25%	$10,000	-	Learn More Add Review
Cumberland Security Bank, Inc. Somerset Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| 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
Banterra Bank Paducah West-3300 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
Citizens Bank & Trust Co. of Jackson Citizens Bank & Trust Co. Of Jackson Branch	0.20%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
U.S. Bank National Association Madisonville Main Branch	0.15%	$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	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 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)
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)
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
Citizens Ashland Ky Lpo Branch	332 15th Street	Ashland	KY
JPMorgan Chase Bank, National Association Highland Baxter Branch	970 Baxter Avenue	Louisville	KY
Taylor County Bank Taylor County Bank Branch	Broadway And Lebanon Avenues	Campbellsville	KY
Citizens Bank & Trust Company Main Street Branch	408 East Main Street	Campbellsville	KY
First State Bank Rough River Branch	9666 South Highway 259	Mcdaniels	KY
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	809 N. 12th Street	Murray	KY
Forcht Bank, National Association Grant - Crittenden Branch	I-75 And Violet Road	Crittenden	KY
Bank of Clarkson Main Street Leitchfield Branch	417 South Main Street	Leitchfield	KY
West Point Bank West Point Branch	601 Main Street	West Point	KY
Bank of Jamestown Russell Springs Branch	43 Highway 910	Russell Springs	KY
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	3827 Shelbyville Road	Louisville	KY
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	433 Madison Ave	Covington	KY
First Federal Savings Bank of Kentucky Danville Br Branch	340 W Main St	Danville	KY
The First National Bank of Russell Springs Downtown Branch	Main And Wilson	Russell Springs	KY
River City Bank, Inc. Greenwood Road Branch	6308 Greenwood Road	Louisville	KY
Bank of Hindman Bank Of Hindman Branch	1362 Hindman Bypass	Hindman	KY
The Sacramento Deposit Bank Caneyville Branch	102 N Main St	Caneyville	KY
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	Main & Lovern Streets	Hazard	KY
Bank of Edmonson County Boec Branch Office Branch	6780 Louisville Rd	Bowling Green	KY
The Cecilian Bank Downtown Branch	222 South Main Street	Hardinsburg	KY
Meade County Bank River Ridge Shopping Center Branch	By-Pass Road	Brandenburg	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
Springfield State Bank Willisburg Branch	2559 Main Street	Willisburg	KY
The Farmers National Bank of Lebanon Campbellsville Highway Branch	2160 Campbellsville Road	Lebanon	KY
United Community Bank of West Kentucky, Inc. Clay Branch	54 Hearin St	Clay	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
Bank of Edmonson County Boec Branch Office Branch	6780 Louisville Rd	Bowling Green	KY
Home Savings Bank, FSB Home Savings Bank, Fsb Branch	202 Elm Street	Ludlow	KY
Peoples Bank Peoples Bank Branch	265 Old Springfield Road	Lebanon	KY
The First National Bank of Manchester The First National Bank Of Manchester Branch	2770 State Highway 421 South	Garrard	KY
Clinton Bank Clinton Bank Branch	220 East Clay Street	Clinton	KY
Heritage Bank, Inc. North Branch	U.S. Highway 27	Butler	KY
Magnolia Bank, Incorporated Hodgenville Branch	794 Old Elizabethtown Road	Hodgenville	KY
The Sacramento Deposit Bank Caneyville Branch	102 N Main St	Caneyville	KY
Franklin Bank & Trust Company South Branch	903 South Main Street	Franklin	KY
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	940 Bloomfield Road	Bardstown	KY
Bank of Buffalo Bank Of Buffalo Branch	2441 Greensburg Road	Buffalo	KY
Farmers State Bank Farmers State Bank Branch	Main Street	Booneville	KY
Lewisburg Banking Company Russellville Branch	780 Hopkinsville Road	Russellville	KY
Franklin Bank & Trust Company South Branch	903 South Main Street	Franklin	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
Town & Country Bank and Trust Company West John Rowan Boulevard Branch	90 West John Rowan Boulevard	Bardstown	KY
Guardian Savings Bank Florence Branch	7550 Mall Road	Florence	KY
Citizens Bank of Kentucky, Inc. Winchester Branch	695 Bullion Boulevard	Winchester	KY
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	215 Mountain Parkway Spur	Campton	KY
Field & Main Bank Field & Main Bank Branch	Walnut And Pike Streets	Cynthiana	KY
Commonwealth Community Bank, Inc. Centertown Branch	Main Street And Highway 69	Centertown	KY
Kentucky Farmers Bank Corporation Suburban Branch	U.S. Highway 60	Boyd County	KY
First & Farmers National Bank, Inc. Nancy Branch	9260 Highway 80	Nancy	KY
First Kentucky Bank, Inc. Cunningham Branch	8141 Ushwy 62	Cunningham	KY
Auburn Banking Company Auburn Banking Company Branch	Main And Lincoln Streets	Auburn	KY
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	940 Bloomfield Road	Bardstown	KY
Whitaker Bank Franklin Square Branch	U.S. Highway 127	Frankfort	KY
The Commercial Bank of Grayson Olive Hill Branch	Tom T. Hall Boulevard	Olive Hill	KY
Citizens Bank Brodhead Branch	53 South Main Street	Brodhead	KY
Citizens Guaranty Bank Four Mile Branch	2066 Merchant Drive	Richmond	KY
Jackson County Bank Sandgap Branch	82 Highway 2004	Mc Kee	KY
Commercial Bank Commercial Bank Branch	550 Main Street	West Liberty	KY
United Cumberland Bank Pine Knot Branch	3995 South Highway 27	Pine Knot	KY
The Murray Bank 700 B North 12th Street Branch	700 B North 12th Street	Murray	KY
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	211 West Main Street	Morehead	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
First & Peoples Bank and Trust Company Ashland Plaza Branch	Ashland Plaza Shopping Center	Russell	KY
The First National Bank of Grayson Sandy Hook Branch	337 Kentucky Highway 7 North	Sandy Hook	KY
Bank of Columbia Jamestown Street Branch	807 Jamestown Street	Columbia	KY
Hometown Bank of Corbin, Inc. Master Street Branch	501 Master Street	Corbin	KY
Hyden Citizens Bank Wooton Branch	5244 Kentucky Highway 80	Wooton	KY
Pbt Bancorp Airport Gardens Branch	21 Grand Vue Plaza	Hazard	KY
The Farmers Bank Wilmore Branch	213 East Main Street	Wilmore	KY
Bank of Cadiz and Trust Company Bank Of Cadiz And Trust Company Branch	Main And Scott Streets	Cadiz	KY
First United Bank and Trust Company First United Bank And Trust Company Branch	162 North Main Street	Madisonville	KY
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	41 Ferry Street	Milton	KY
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	604 Highland Avenue	Carrollton	KY
Bedford Loan & Deposit Bank Pendleton Branch	973 Pendleton Road	Pendleton	KY
The First National Bank of Brooksville Drive-Thru Branch	107 East Miami Street	Brooksville	KY
First & Peoples Bank and Trust Company Ashland Plaza Branch	Ashland Plaza Shopping Center	Russell	KY
The First National Bank of Grayson Sandy Hook Branch	337 Kentucky Highway 7 North	Sandy Hook	KY
Peoples Exchange Bank Highways 52-11 Branch	Highways 52 And 11	Beattyville	KY
The First National Bank of Williamson The First National Bank Of Williamso Branch	109 Prater Place, Suite 100	Pikeville	KY
First Harrison Bank John Harper Highway Branch	550 John Harper Highway	Shepherdsville	KY
WesBanco Bank, Inc. Riverfront Plaza Branch	471 West Main Street	Louisville	KY
Stock Yards Bank & Trust Company Springhurst Br Branch	9400 Brownsboro Road	Louisville	KY
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	41 Ferry Street	Milton	KY
PBK BANK, INC. Hustonville Branch	Bradfordsville Road	Hustonville	KY
Cumberland Valley National Bank & Trust Company Wal-Mart Superstore Branch	1851 Kentucky 192	London	KY
United Southern Bank Clifty Branch	Highway 181	Clifty	KY
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	U.S. Highway 70 & State Highway 403	Morgantown	KY
Armed Forces Bank, National Association Community Center Branch	131 Gold Vault Road	Fort Knox	KY
The First National Bank of Williamson The First National Bank Of Williamso Branch	109 Prater Place, Suite 100	Pikeville	KY
Fredonia Valley Bank Fredonia Valley Bank Branch	602 Cassidy Ave	Fredonia	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
Central Bank & Trust Co. Hurstbourne Plaza Branch	9300 Shelbyville Road, Suite 100	Louisville	KY
Bank of the Bluegrass and Trust Company Southland Branch	215 Southland Drive	Lexington	KY
First Community Bank of the Heartland, Inc. Kevil Banking Center Branch	952 Kentucky Avenue	Kevil	KY
Planters Bank, Inc. Sebree Facility Branch	796 Us Highway 41 N	Sebree	KY
The Peoples Bank Elk Creek Branch	5511 Taylorsville Road	Fisherville	KY
The Huntington National Bank Plantation Pointe Branch	8723 Us Hwy 42	Florence	KY
Bank of Maysville Aa Highway Branch	253 Wal-Mart Way	Maysville	KY
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	26 Second Street	Vanceburg	KY
The Farmers National Bank of Danville Harrodsburg Branch	776 South College Street	Harrodsburg	KY
The Casey County Bank, Inc. Drive-In Branch	Middleburg Street	Liberty	KY
Bank of Lexington, Inc. Tates Creek Branch	866 Malabu Drive	Lexington	KY
The Monticello Banking Company Village Center Branch	181 Finance Street	Harlan	KY
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	555 Jefferson Street	Paducah	KY
First Southern National Bank First Southern National Bank Branch	Main And Church Streets	Bremen	KY
FNB Bank, Inc. Wingo Branch	9606 Highway 45 S.	Wingo	KY
Old National Bank Chamberlain Pointe Branch	9708 Brownsboro Road	Louisville	KY
Traditional Bank, Inc. Jeffersonville Branch	7880 Main Street	Jeffersonville	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 Financial Bank Burlington Branch	Limaburg Road And Jones Circle	Burlington	KY
Peoples Bank, Mt. Washington Mount Washington Drive In Branch	415 Oakbrooke Drive	Mount Washington	KY
Farmers Bank and Trust Company Salem Office Branch	216 West Main Street	Salem	KY
First Kentucky Bank, Inc. Cunningham Branch	8141 Ushwy 62	Cunningham	KY
Wilson & Muir Bank & Trust Company Bloomfield Branch	105 Taylorsville Road	Bloomfield	KY
Cumberland Security Bank, Inc. Somerset Branch	377 U.S. Highway 27	Somerset	KY
Banterra Bank Paducah West-3300 Branch	5200 Hinkleville Road	Paducah	KY
Security Bank and Trust Co. U.S. 68 Branch	1426 U.S. 68 South	Maysville	KY
Citizens Bank & Trust Co. of Jackson Citizens Bank & Trust Co. Of Jackson Branch	720 Hwy, 15 South	Jackson	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

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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

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Kentucky CD Rates – 4-Year

Branches Info around zip 10116

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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