Best 5-Year CD Rates in Elsmere, Kentucky, KY

You are viewing rates from banks across Elsmere

Below are 5-year CD Rates from banks that are located in Elsmere, { Kentucky}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Elsmere, KY - August 1, 2025

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.20%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 730 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.20%
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
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.15% → 4.10% → 3.95% → 4.05%
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)
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.05% → 3.50% → 4.11% → 4.00%
79Thru \| 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
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Rate History: 4.00% → 3.85% → 3.75% → 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)
American Bank & Trust Company, Inc. American Bank & Trust Company, Inc. Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 3.75% → 3.50%
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 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)
Fifth Third Bank, National Association Fort Thomas Branch	2.25%	$5,000	-	Learn More
Rate History: 0.01% → 2.25%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
JPMorgan Chase Bank, National Association Richmond Downtown 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)
Taylor County Bank Taylor County Bank Branch	1.50%	$1,000	-	Learn More Add Review
The First National Bank of Russell Springs The First National Bank Of Russell S Branch	1.50%	$10,000	-	Learn More Add Review
Bank of Jamestown Bank Of Jamestown Branch	1.41%	$10,000	-	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	1.40%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	1.40%	$10,000	-	Learn More Add Review
Peoples Bank Peoples Bank Branch	1.36%	$500	-	Learn More Add Review
Bank of Hindman Bank Of Hindman Branch	1.36%	$10,000	-	Learn More Add Review
The Farmers National Bank of Lebanon The Farmers National Bank Of Lebanon Branch	1.35%	$500	-	Learn More Add Review
Woodforest National Bank 8050 Louisville Kentucky Walmart Bra Branch	1.35%	$500	-	Learn More
Rate History: 1.00% → 1.35% → 1.30% → 1.35%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Meade County Bank Meade County Bank Branch	1.31%	$10,000	-	Learn More Add Review
Commonwealth Community Bank, Inc. Fordsville Branch	1.30%	$10,000	-	Learn More Add Review
Forcht Bank, National Association Grant - Main Branch	1.26%	$10,000	-	Learn More Add Review
Bank of Edmonson County Bank Of Edmonson County Branch	1.25%	$100,000	-	Learn More Add Review
The Cecilian Bank The Cecilian Bank Branch	1.25%	$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)
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	1.25%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Kentucky First Federal Savings Bank Of Kentuc 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)
United Citizens Bank of Southern Kentucky United Citizens Bank Of Southern Ken Branch	1.25%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	1.21%	$10,000	-	Learn More Add Review
Hometown Bank of Corbin, Inc. Hometown Bank Of Corbin, Inc. Branch	1.16%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville The Lincoln National Bank Of Hodgenv Branch	1.15%	$10,000	-	Learn More Add Review
Whitaker Bank The Bank Of Whitesburg Branch	1.15%	$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 Citizens Bank The Citizens Bank Branch	1.11%	$10,000	-	Learn More Add Review
Springfield State Bank Springfield State Bank Branch	1.11%	$500	-	Learn More Add Review
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	1.11%	$10,000	-	Learn More Add Review
Franklin Bank & Trust Company Franklin Bank & Trust Company Branch	1.10%	$100,000	-	Learn More Add Review
Bank of Edmonson County Bank Of Edmonson County Branch	1.10%	$10,000	-	Learn More Add Review
Town & Country Bank and Trust Company New Haven Branch	1.10%	$10,000	-	Learn More Add Review
Home Savings Bank, FSB Home Savings Bank, Fsb Branch	1.10%	$10,000	-	Learn More Add Review
The First National Bank of Manchester The First National Bank Of Mancheste Branch	1.10%	$100,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	1.06%	$5,000	-	Learn More Add Review
Commercial Bank Commercial Bank Branch	1.00%	$500	-	Learn More Add Review
First Kentucky Bank, Inc. Bardwell Branch	1.00%	$100,000	-	Learn More Add Review
United Community Bank of West Kentucky, Inc. United Community Bank Of West Kentucky, Inc. 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)
Franklin Bank & Trust Company Franklin Bank & Trust Company Branch	1.00%	$10,000	-	Learn More Add Review
South Central Bank, Inc. South Central Bank, Inc. Branch	1.00%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank Kyles Lane Branch	1.00%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Citizens Bank of Kentucky, Inc. Citizens Bank Of Kentucky, Inc. Branch	1.00%	$10,000	-	Learn More Add Review
Kentucky Farmers Bank Corporation Kentucky Farmers Bank Corporation Branch	1.00%	$10,000	-	Learn More Add Review
First & Farmers National Bank, Inc. First & Farmers National Bank, Inc. Branch	1.00%	$10,000	-	Learn More Add Review
Cumberland Valley National Bank & Trust Company Cumberland Valley National Bank & Tr Branch	1.00%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	1.00%	$10,000	-	Learn More Add Review
Citizens Guaranty Bank Citizens Guaranty Bank Branch	1.00%	$10,000	-	Learn More Add Review
Jackson County Bank Jackson County Bank Branch	1.00%	$10,000	-	Learn More Add Review
The First National Bank of Manchester The First National Bank Of Mancheste Branch	1.00%	$10,000	-	Learn More Add Review
Heritage Bank, Inc. Walton South Branch	0.95%	$500	-	Learn More Add Review
Magnolia Bank Magnolia Bank, Incorporated Branch	0.95%	$500	-	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
Bank of Buffalo Bank Of Buffalo Branch	0.95%	$10,000	-	Learn More Add Review
Auburn Banking Company Auburn Banking Company Branch	0.92%	$10,000	-	Learn More Add Review
The Murray Bank The Murray Bank Branch	0.90%	$1,000	-	Learn More Add Review
Independence Bank of Kentucky Independence Bank Of Kentucky Branch	0.90%	$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)
Field & Main Bank Field & Main Bank Branch	0.90%	$10,000	-	Learn More Add Review
South Central Bank, Inc. South Central Bank, Inc. Branch	0.90%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	0.90%	$100,000	-	Learn More Add Review
The First National Bank of Grayson The First National Bank Of Grayson Branch	0.90%	$100,000	-	Learn More Add Review
Peoples Exchange Bank Lexington Main Branch	0.90%	$10,000	-	Learn More Add Review
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.90%	$100,000	-	Learn More Add Review
United Cumberland Bank United Cumberland Bank Branch	0.86%	$10,000	-	Learn More Add Review
First Harrison Bank Shepherdsville Branch	0.85%	$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)
The First National Bank of Grayson The First National Bank Of Grayson Branch	0.85%	$10,000	-	Learn More Add Review
The Farmers Bank The Farmers Bank Branch	0.80%	$500	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.80%	$500	-	Learn More Add Review
Bank of Cadiz and Trust Company Bank Of Cadiz And Trust Company Branch	0.80%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company Stock Yards Bank & Trust Company Branch	0.80%	$500	-	Learn More Add Review
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	0.80%	$500	-	Learn More Add Review
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	0.80%	$1,000	-	Learn More Add Review
The First National Bank of Brooksville The First National Bank Of Brooksvil Branch	0.80%	$10,000	-	Learn More Add Review
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.80%	$10,000	-	Learn More Add Review
Fredonia Valley Bank Fredonia Valley Bank Branch	0.75%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc. Ring Road Branch	0.75%	$10,000	-	Learn More Add Review
Bedford Loan & Deposit Bank Bedford Loan & Deposit Bank Branch	0.75%	$10,000	-	Learn More Add Review
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	0.75%	$10,000	-	Learn More Add Review
PBK BANK, INC. Pbk Bank, Inc. Branch	0.75%	$10,000	-	Learn More Add Review
FIRST STATE BANK OF THE SOUTHEAST, INC First State Bank Of The Southeast, Inc Branch	0.75%	$10,000	-	Learn More Add Review
Commercial Bank Barbourville-North Main Street Branc Branch	0.75%	$10,000	-	Learn More Add Review
Hyden Citizens Bank Hyden Citizens Bank Branch	0.75%	$10,000	-	Learn More Add Review
First Community Bank of the Heartland, Inc. Wickliffe Main Branch	0.71%	$500	-	Learn More Add Review
First United Bank and Trust Company Beaver Dam Branch	0.70%	$10,000	-	Learn More Add Review
United Southern Bank United Southern Bank Branch	0.65%	$10,000	-	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated Morgantown Bank & Trust Company, Incorporated Branch	0.65%	$10,000	-	Learn More Add Review
Central Bank & Trust Company Central Bank & Trust Co. Branch	0.65%	$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 Bank Of The Bluegrass And Trust Comp Branch	0.65%	$500	-	Learn More Add Review
South Central Bank, Inc. South Central Bank, Inc. Branch	0.60%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Fort Knox Px Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
The Peoples Bank The Peoples Bank Branch	0.60%	$10,000	-	Learn More Add Review
Bank of Maysville Bank Of Maysville Branch	0.60%	$10,000	-	Learn More Add Review
Bank of Lexington, Inc. Bank Of Lexington, Inc. Branch	0.60%	$10,000	-	Learn More Add Review
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	0.55%	$5,000	-	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
The Huntington National Bank Fort Mitchell 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)
The Monticello Banking Company The Monticello Banking Company Branch	0.50%	$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)
FNB Bank, Inc. Fnb Bank, Inc. Branch	0.50%	$1,000	-	Learn More Add Review
Planters Bank, Inc. Sturgis Branch	0.50%	$10,000	-	Learn More Add Review
First Southern National Bank Somerset Branch	0.50%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company 35 Village Plaza Branch	0.50%	$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)
First Financial Bank Hebron Deposit Bank Branch	0.50%	$10,000	-	Learn More Add Review
Peoples Bank of Kentucky, Inc. Salt Lick Branch	0.50%	$10,000	-	Learn More Add Review
Traditional Bank, Inc. Traditional Bank, Inc. Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers National Bank of Danville Burgin Branch	0.50%	$10,000	-	Learn More Add Review
The Casey County Bank, Inc. The Casey County Bank, Inc. Branch	0.50%	$10,000	-	Learn More Add Review
Home Federal Bank Corporation Home Federal Bank Corporation Branch	0.45%	$10,000	-	Learn More Add Review
Sebree Deposit Bank Sebree Deposit Bank Branch	0.40%	$500	-	Learn More Add Review
Old National Bank Greenville Branch	0.40%	$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 Lebanon The Citizens National Bank Of Lebano Branch	0.40%	$10,000	-	Learn More Add Review
U.S. Bank National Association Maysville Branch	0.40% 0.25%	$1,000 $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)
The Peoples Bank The Peoples Bank Branch	0.35%	$10,000	-	Learn More Add Review
First Kentucky Bank, Inc. Bardwell Branch	0.30%	$10,000	-	Learn More Add Review
Farmers Bank and Trust Company Farmers Bank And Trust Company Branch	0.30%	$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
Banterra Bank Paducah East-3000 Branch	0.25%	$10,000	-	Learn More Add Review
Peoples Bank Ashland Branch	0.25%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
Cumberland Security Bank, Inc. Cumberland Security Bank, Inc. 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
Security Bank and Trust Co. Security Bank And Trust Co. 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
Regions Bank Franklin Ky W Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
Truist Bank Calhoun Ky Main Branch	0.05%	$1,000	-	Learn More
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
PNC Bank, National Association South Fourth Street 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)

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 10007

Branch	Street	City	State
American Bank & Trust Company, Inc. American Bank & Trust Company, Inc. Branch	1302 Scottsville Road	Bowling Green	KY
Citizens Ashland Ky Lpo Branch	332 15th Street	Ashland	KY
Fifth Third Bank, National Association Fort Thomas Branch	131 North Fort Thomas Avenue	Fort Thomas	KY
JPMorgan Chase Bank, National Association Richmond Downtown Branch	116 West Main Street	Richmond	KY
Taylor County Bank Taylor County Bank Branch	Broadway And Lebanon Avenues	Campbellsville	KY
The First National Bank of Russell Springs The First National Bank Of Russell S Branch	Highways 127 And 80	Russell Springs	KY
Bank of Jamestown Bank Of Jamestown Branch	400 Monument Square	Jamestown	KY
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	433 Madison Ave	Covington	KY
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	201 East Main Street	Campbellsville	KY
Peoples Bank Peoples Bank Branch	265 Old Springfield Road	Lebanon	KY
Bank of Hindman Bank Of Hindman Branch	1362 Hindman Bypass	Hindman	KY
The Farmers National Bank of Lebanon The Farmers National Bank Of Lebanon Branch	136 West Main Street	Lebanon	KY
Woodforest National Bank 8050 Louisville Kentucky Walmart Bra Branch	7100 Raggard Road	Louisville	KY
Meade County Bank Meade County Bank Branch	2175 Bypass Road	Brandenburg	KY
Commonwealth Community Bank, Inc. Fordsville Branch	78 East Main Street	Fordsville	KY
Forcht Bank, National Association Grant - Main Branch	203-205 South Main Street	Williamstown	KY
Bank of Edmonson County Bank Of Edmonson County Branch	109 N Main Street	Brownsville	KY
The Cecilian Bank The Cecilian Bank Branch	104 East Main	Cecilia	KY
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	3827 Shelbyville Road	Louisville	KY
First Federal Savings Bank of Kentucky First Federal Savings Bank Of Kentuc Branch	216 W Main St	Frankfort	KY
United Citizens Bank of Southern Kentucky United Citizens Bank Of Southern Ken Branch	700 Jamestown Street	Columbia	KY
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	Main & Lovern Streets	Hazard	KY
Hometown Bank of Corbin, Inc. Hometown Bank Of Corbin, Inc. Branch	1030 Cumberland Falls Hwy	Corbin	KY
The Lincoln National Bank of Hodgenville The Lincoln National Bank Of Hodgenv Branch	Main Street	Hodgenville	KY
Whitaker Bank The Bank Of Whitesburg Branch	187 Main Street	Whitesburg	KY
The Citizens Bank The Citizens Bank Branch	1522 Union City Highway	Hickman	KY
Springfield State Bank Springfield State Bank Branch	125 East Main Street	Springfield	KY
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	215 Mountain Parkway Spur	Campton	KY
Franklin Bank & Trust Company Franklin Bank & Trust Company Branch	317 North Main Street	Franklin	KY
Bank of Edmonson County Bank Of Edmonson County Branch	109 N Main Street	Brownsville	KY
Town & Country Bank and Trust Company New Haven Branch	148 South Main Street	New Haven	KY
Home Savings Bank, FSB Home Savings Bank, Fsb Branch	202 Elm Street	Ludlow	KY
The First National Bank of Manchester The First National Bank Of Mancheste Branch	120 Town Branch Road	Manchester	KY
Farmers State Bank Farmers State Bank Branch	Main Street	Booneville	KY
Commercial Bank Commercial Bank Branch	550 Main Street	West Liberty	KY
First Kentucky Bank, Inc. Bardwell Branch	400 Us Hwy 51 North	Bardwell	KY
United Community Bank of West Kentucky, Inc. United Community Bank Of West Kentucky, Inc. Branch	500 North Morgan Street	Morganfield	KY
Franklin Bank & Trust Company Franklin Bank & Trust Company Branch	317 North Main Street	Franklin	KY
South Central Bank, Inc. South Central Bank, Inc. Branch	208 South Broadway	Glasgow	KY
Guardian Savings Bank Kyles Lane Branch	10 Kyles Lane	Fort Wright	KY
Citizens Bank of Kentucky, Inc. Citizens Bank Of Kentucky, Inc. Branch	620 Broadway Avenue	Paintsville	KY
Kentucky Farmers Bank Corporation Kentucky Farmers Bank Corporation Branch	2500 Broadway	Catlettsburg	KY
First & Farmers National Bank, Inc. First & Farmers National Bank, Inc. Branch	100 Public Square	Somerset	KY
Cumberland Valley National Bank & Trust Company Cumberland Valley National Bank & Tr Branch	1112 Highway 490	East Bernstadt	KY
Citizens Bank Citizens Bank Branch	411 New Brodhead Road	Mount Vernon	KY
Citizens Guaranty Bank Citizens Guaranty Bank Branch	457 East Main Street	Richmond	KY
Jackson County Bank Jackson County Bank Branch	123 Main Street N	Mc Kee	KY
The First National Bank of Manchester The First National Bank Of Mancheste Branch	120 Town Branch Road	Manchester	KY
Heritage Bank, Inc. Walton South Branch	13447 Dixie Highway	Walton	KY
Magnolia Bank, Incorporated Magnolia Bank, Incorporated Branch	4910 South L And N Turnpike	Magnolia	KY
Bank of Buffalo Bank Of Buffalo Branch	2441 Greensburg Road	Buffalo	KY
Auburn Banking Company Auburn Banking Company Branch	Main And Lincoln Streets	Auburn	KY
The Murray Bank The Murray Bank Branch	405 South 12th Street	Murray	KY
Independence Bank of Kentucky Independence Bank Of Kentucky Branch	2425 Frederica Street	Owensboro	KY
Field & Main Bank Field & Main Bank Branch	Walnut And Pike Streets	Cynthiana	KY
South Central Bank, Inc. South Central Bank, Inc. Branch	208 South Broadway	Glasgow	KY
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	41 Ferry Street	Milton	KY
The First National Bank of Grayson The First National Bank Of Grayson Branch	200 South Carol Malone Boulevard	Grayson	KY
Peoples Exchange Bank Lexington Main Branch	901 Richmond Road	Lexington	KY
The First National Bank of Williamson The First National Bank Of Williamso Branch	109 Prater Place, Suite 100	Pikeville	KY
United Cumberland Bank United Cumberland Bank Branch	47 South Main Street	Whitley City	KY
First Harrison Bank Shepherdsville Branch	1612 Highway 44 East	Shepherdsville	KY
The First National Bank of Grayson The First National Bank Of Grayson Branch	200 South Carol Malone Boulevard	Grayson	KY
The Farmers Bank The Farmers Bank Branch	200 North Main Street	Nicholasville	KY
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	211 West Main Street	Morehead	KY
Bank of Cadiz and Trust Company Bank Of Cadiz And Trust Company Branch	Main And Scott Streets	Cadiz	KY
Stock Yards Bank & Trust Company Stock Yards Bank & Trust Company Branch	1040 East Main Street	Louisville	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
The First National Bank of Brooksville The First National Bank Of Brooksvil Branch	105 Locust St	Brooksville	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
WesBanco Bank, Inc. Ring Road Branch	2323 Ring Road	Elizabethtown	KY
Bedford Loan & Deposit Bank Bedford Loan & Deposit Bank Branch	45 Highway 42 East	Bedford	KY
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	26 Second Street	Vanceburg	KY
PBK BANK, INC. Pbk Bank, Inc. Branch	120 Frontier Boulevard	Stanford	KY
First State Bank of the Southeast, Inc First State Bank Of The Southeast, Inc Branch	Pint St & Virginia Ave	Pineville	KY
Commercial Bank Barbourville-North Main Street Branc Branch	202 North Main Street	Barbourville	KY
Hyden Citizens Bank Hyden Citizens Bank Branch	22023 Main Street	Hyden	KY
First Community Bank of the Heartland, Inc. Wickliffe Main Branch	359 Court Street	Wickliffe	KY
First United Bank and Trust Company Beaver Dam Branch	1500 Bill Monroe Memorial Boulevard	Beaver Dam	KY
United Southern Bank United Southern Bank Branch	1813 East Ninth Street	Hopkinsville	KY
Morgantown Bank & Trust Company, Incorporated Morgantown Bank & Trust Company, Incorporated Branch	201 N Main Street	Morgantown	KY
Central Bank & Trust Co. Central Bank & Trust Co. Branch	300 West Vine Street	Lexington	KY
Bank of the Bluegrass and Trust Company Bank Of The Bluegrass And Trust Comp Branch	101 East High Street	Lexington	KY
South Central Bank, Inc. South Central Bank, Inc. Branch	208 South Broadway	Glasgow	KY
Armed Forces Bank, National Association Fort Knox Px Branch	127 Gold Vault Road	Fort Knox	KY
The Peoples Bank The Peoples Bank Branch	23 West Main Street	Taylorsville	KY
Bank of Maysville Bank Of Maysville Branch	20 West 2nd Street	Maysville	KY
Bank of Lexington, Inc. Bank Of Lexington, Inc. Branch	761 Corporate Drive	Lexington	KY
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	555 Jefferson Street	Paducah	KY
The Huntington National Bank Fort Mitchell Branch	2514 Dixie Highway	Fort Mitchell	KY
The Monticello Banking Company The Monticello Banking Company Branch	50 North Main	Monticello	KY
FNB Bank, Inc. Fnb Bank, Inc. Branch	101 East Broadway Street	Mayfield	KY
Planters Bank, Inc. Sturgis Branch	520 Adams St	Sturgis	KY
First Southern National Bank Somerset Branch	15 North Highway 27	Somerset	KY
Republic Bank & Trust Company 35 Village Plaza Branch	35 Village Plaza	Shelbyville	KY
First Financial Bank Hebron Deposit Bank Branch	2652 North Bend Road	Hebron	KY
Peoples Bank of Kentucky, Inc. Salt Lick Branch	113 Main Street	Salt Lick	KY
Traditional Bank, Inc. Traditional Bank, Inc. Branch	49 W. Main Street	Mount Sterling	KY
The Farmers National Bank of Danville Burgin Branch	125 E Main Street	Harrodsburg	KY
The Casey County Bank, Inc. The Casey County Bank, Inc. Branch	176 Wallace Wilkinson Boulevard	Liberty	KY
Hearthside Bank Corporation Home Federal Bank Corporation Branch	1602-08 East Cumberland Avenue	Middlesboro	KY
Sonata Bank Sebree Deposit Bank Branch	147 West Main Street	Sebree	KY
Old National Bank Greenville Branch	131 East Main Street	Greenville	KY
Citizens Bank and Trust of Lebanon, Inc. The Citizens National Bank Of Lebano Branch	149 West Main Street	Lebanon	KY
U.S. Bank National Association Maysville Branch	33 West Second Street	Maysville	KY
Peoples Bank, Mt. Washington The Peoples Bank Branch	201 North Bardstown Road	Mount Washington	KY
First Kentucky Bank, Inc. Bardwell Branch	400 Us Hwy 51 North	Bardwell	KY
Farmers Bank and Trust Company Farmers Bank And Trust Company Branch	201 South Main Street	Marion	KY
Banterra Bank Paducah East-3000 Branch	3151 Parisa Drive	Paducah	KY
Peoples Bank Ashland Branch	1999 Winchester Avenue	Ashland	KY
Cumberland Security Bank, Inc. Cumberland Security Bank, Inc. Branch	107 South Main Street	Somerset	KY
U.S. Bank National Association Maysville Branch	33 West Second Street	Maysville	KY
Security Bank and Trust Co. Security Bank And Trust Co. Branch	1-5 West Second Street	Maysville	KY
Citizens Bank & Trust Co. of Jackson Citizens Bank & Trust Co. Of Jackson Branch	720 Hwy, 15 South	Jackson	KY
Regions Bank Franklin Ky W Branch	117 W. Cedar Street	Franklin	KY
Truist Bank Calhoun Ky Main Branch	100 Main Street	Calhoun	KY
PNC Bank, National Association South Fourth Street Branch	121 South Fourth Street	Danville	KY
Regions Bank Franklin Ky W Branch	117 W. Cedar Street	Franklin	KY

See rates for Online Banks →

See rates for Credit Unions →

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

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected 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.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% 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.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

5 year CDs provide the highest rate of the common CD terms.
The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

The money is locked away for five years and cannot be withdrawn without a substantial 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

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

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Kentucky

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Elsmere, Kentucky CD Rates – 5-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Safety

Inflation

Interest

Opening a Five Year CD

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

Disadvantages of five year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Kentucky

Download a Free eBook