Kentucky

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Credit Union CD Rates Edgewood, Kentucky

You are viewing rates from credit unions across Edgewood

 

Below are the best one year CD Rates from credit unions in Edgewood, Kentucky. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Edgewood, KY - July 6, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

| Feb 29, 2020

After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More

Rate History: 4.85% → 4.75% → 4.35% → 4.15% → 4.05%

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 4.85% → 5.00% → 5.15% → 4.95% → 4.00%

Rate History: 4.75% → 3.75%

Rate History: 1.00% → 3.00% → 5.25% → 3.00%

| May 12, 2016

19 what, years or months Read More

2.20%

2.15%

$50,000

$500

-

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Rate History: 3.00% → 1.55% → 4.60% → 4.50% → 1.45%

1.11%

$1,000

-

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1.01%

$10,000

-

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0.90%

$10,000

-

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0.85%

$10,000

-

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0.80%

$100,000

-

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0.80%

$100,000

-

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0.80%

$10,000

-

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0.75%

$10,000

-

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| Feb 26, 2022

We will be closing our accounts with Cove Federal Credit Union and will bank elsewhere. What the employees at the 577 Dudley Rd location don’t seem to understand is that banks are a dime a dozen, my gir... Read More

0.75%

$1,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.66%

$10,000

-

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0.65%

$10,000

-

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0.65%

$100,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.55%

$100,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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| Sep 16, 2021

This is incorrect, Audubon has a $500. minimum balance. And if you check their website or facebook page, they run specials. As of 9-2021 the 24 month rate is 1.00% of course this is for a limited time. Read More

0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.30%

$10,000

-

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0.25%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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Edu


Restrictions

0.10%

$500

-

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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
FORTERA
Hopkinsville Wal-mart Supercenter Hopkinsville Wal-mart Supercenter Branch
300 Clinic Dr Hopkinsville KY
FORTERA
Hopkinsville Wal-mart Supercenter Hopkinsville Wal-mart Supercenter Branch
300 Clinic Dr Hopkinsville KY
NAVY FEDERAL CREDIT UNION
Fort Campbell Fort Campbell Branch
Oak Grove Shopping Center Oak Grove KY
NAVY FEDERAL CREDIT UNION
Fort Campbell Fort Campbell Branch
Oak Grove Shopping Center Oak Grove KY
DELTA COMMUNITY
Florence, Ky (cincinnati Metro) Florence, Ky (cincinnati Metro) Branch
4885 Houston Rd Florence KY
GENERAL ELECTRIC
Madisonville Madisonville Branch
3050 Nebo Rd Madisonville KY
GENERAL ELECTRIC
Madisonville Madisonville Branch
3050 Nebo Rd Madisonville KY
ABOUND
Fort Knox Federal Credit Union Fort Knox Federal Credit Union Branch
100 Kelly Dr Bardstown KY
UNIFY FINANCIAL
Erlanger Erlanger Branch
Toyota Motor Manufacturing Erlanger KY
UNIFY FINANCIAL
Erlanger Erlanger Branch
Toyota Motor Manufacturing Erlanger KY
PARK COMMUNITY CREDIT UNION, INC.
Fern Valley Rd Office Fern Valley Rd Office Branch
6101 Fern Valley Rd Louisville KY
PARK COMMUNITY CREDIT UNION, INC.
Fern Valley Rd Office Fern Valley Rd Office Branch
6101 Fern Valley Rd Louisville KY
UNIFY FINANCIAL
Erlanger Erlanger Branch
Toyota Motor Manufacturing Erlanger KY
LIBERTY
Etfcu Henderson Office Etfcu Henderson Office Branch
1195 Barrett Blvd Henderson KY
KRAFTCOR
Kraftcor Federal Credit Union Kraftcor Federal Credit Union Branch
2960 Squirrel Tail Hollow Rd Hawesville KY
MEMBERS CHOICE
Cannonsburg Office Cannonsburg Office Branch
1315 CANNONSBURG RD ASHLAND KY
KEMBA
Florence Florence Branch
8880 Bankers St Florence KY
COMMONWEALTH
High Street Branch High Street Branch
417 High St Frankfort KY
ASHLAND
Ashland Credit Union Ashland Credit Union Branch
1300 CENTRAL AVE ASHLAND KY
UNIVERSITY OF KENTUCKY
Hamburg Branch Hamburg Branch
2557 Sir Barton Way Lexington KY
GREATER KENTUCKY CU, INC.
Main Office Main Office Branch
1001 RED MILE RD LEXINGTON KY
AUTOTRUCK FINANCIAL
Main Office Main Office Branch
3611 Newburg Rd Louisville KY
COVE
Semc Federal Credit Union Semc Federal Credit Union Branch
577 DUDLEY PIKE EDGEWOOD KY
UNIVERSITY OF KENTUCKY
Hamburg Branch Hamburg Branch
2557 Sir Barton Way Lexington KY
C-PLANT
Lone Oak Lone Oak Branch
2500 Lone Oak Rd Paducah KY
L & N
Smyrna Admin Smyrna Admin Branch
9265 SMYRNA PKWY LOUISVILLE KY
ASHLAND
Ashland Credit Union Ashland Credit Union Branch
1300 CENTRAL AVE ASHLAND KY
SERVICE ONE
Campbell Ln Office Campbell Ln Office Branch
1609 Campbell Ln Bowling Green KY
HOPKINS COUNTY TEACHERS
Hopkins County Teachers Federal Credit Union Hopkins County Teachers Federal Credit Union Branch
320 S Seminary St Madisonville KY
DESCO
Desco Desco Branch
455 Armco Rd Ashland KY
LABOR MANAGEMENT
Labor Management Fcu Labor Management Fcu Branch
679 STATE ROUTE 1957 LEWISPORT KY
SOUTHEAST FINANCIAL
Bowling Green Bowling Green Branch
1207 Ashley Cir Bowling Green KY
THE HEALTH & EDUCATION
Main Office Main Office Branch
424 Park Pl Lexington KY
MEMBERS HERITAGE
Park Place Park Place Branch
440 Park Pl Lexington KY
SIGNET
Main Main Branch
1600 Clark St Paducah KY
OWENSBORO
Owensboro Federal Credit Union Owensboro Federal Credit Union Branch
717 Harvard Dr Owensboro KY
AUDUBON
Main Office Main Office Branch
1429 Breckenridge St Owensboro KY
GREEN RIVER AREA
Main Office 3000 E 4th St Main Office 3000 E 4th St Branch
3000 Highway 144 OWENSBORO KY
MOREHEAD COMMUNITY
503 West Main 503 West Main Branch
503 W Main St Morehead KY
ALTRA
Altra Federal Credit Union Altra Federal Credit Union Branch
1515 MERCER RD LEXINGTON KY
APPALACHIAN COMMUNITY
Mckee Mckee Branch
417 Main St N Mc Kee KY
MEMBERS HERITAGE
Park Place Park Place Branch
440 Park Pl Lexington KY
DESCO
Desco Desco Branch
455 Armco Rd Ashland KY
DAVIESS COUNTY TEACHERS
Daviess County Teachers Federal Credit Union Daviess County Teachers Federal Credit Union Branch
1900 Southeastern Pkwy Owensboro KY
MIDWEST AMERICA
Hopkinsville Hopkinsville Branch
120 Griffin Bell Dr Hopkinsville KY
TRANSCEND
Riverport Riverport Branch
7215 Riverport Plaza Dr Louisville KY
PARTNERS 1ST
Partners 1st Fcu, Br. 71 Partners 1st Fcu, Br. 71 Branch
690 W College Ave Stanton KY


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

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period (in the case of 1-year CDs, the period is obviously 1-year), you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

Many Americans enjoy performing their banking transactions with credit unions citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on 1-year CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s  Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year time deposit is 3 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, a small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

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