Kentucky

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Kentucky CD Rates

You are viewing rates from banks across Kentucky





Below are the best one-year CD Rates from banks in 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.

KY - July 30, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.35% → 4.55% → 4.35% → 4.20% → 4.46%

| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

Warning: Early Withdrawal Penalty is 270 days interest.
Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%

| 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

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.50% → 4.45% → 4.40% → 4.00% → 4.40%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.10% → 4.35% → 4.25% → 4.05% → 4.35%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early Withdrawal Penalty is 30 days interest.
Rate History: 4.75% → 4.50% → 4.45% → 4.25% → 4.30%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.40% → 4.25% → 4.40% → 4.30%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%

| 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

Rate History: 5.15% → 4.70% → 4.20% → 4.00% → 4.25%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%

| Jun 26, 2020

Rate not current Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.25% → 4.15% → 4.25% → 4.45% → 4.21%

| Aug 26, 2022

Too slow to raise rates. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.84% → 4.42% → 4.20% → 4.40% → 4.19%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 4.25% → 4.15% → 4.00% → 4.15%

| Sep 30, 2023

CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More

Rate History: 4.30% → 4.20% → 4.10% → 4.25% → 4.10%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.02% → 4.85% → 4.25% → 4.21% → 4.10%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%

| 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

Early Withdrawal Penalty is 3 months interest.
Rate History: 5.18% → 5.02% → 5.18% → 4.30% → 4.08%

| Jun 1, 2021

Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More

Early Withdrawal Penalty is 30 days interest.
Rate History: 4.56% → 4.43% → 4.31% → 4.21% → 4.01%

| Jul 23, 2023

easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.50% → 4.20% → 4.00% → 4.10% → 4.00%

| 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

Rate History: 4.90% → 4.80% → 4.70% → 4.10% → 4.00%

| 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

Early Withdrawal Penalty is 6 months interest.
Rate History: 5.15% → 5.00% → 4.25% → 4.15% → 4.00%

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.20% → 3.00% → 4.90% → 4.55% → 4.75%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.60% → 4.50% → 4.40% → 4.20% → 4.00%

| 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

Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%

| 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

Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More

4.00%

$10,000

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Rate History: 1.81% → 4.85% → 4.75% → 4.30% → 4.00%

| Nov 3, 2023

site does not update at all, totally wrong rates listed Read More

Rate History: 5.20% → 4.95% → 4.00%

Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.90% → 4.40% → 4.30% → 4.10% → 4.00%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Rate History: 5.00% → 5.25% → 5.60% → 4.30% → 3.90%

| Sep 18, 2023

I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More

Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%

| Nov 18, 2023

bank delayed 1-2days to credit into your account, pay less interest. Read More

Rate History: 4.30% → 3.90%

| 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

Early Withdrawal Penalty is 1% of principal.

| 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

Rate History: 4.25% → 4.10% → 4.00% → 3.90% → 3.85%

| 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

Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%

| Dec 21, 2023

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

3.82%

$1,000

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Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.70% → 4.10% → 4.00% → 3.90% → 3.80%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.60% → 4.40% → 4.10% → 4.00% → 3.75%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%

| 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

Rate History: 2.95% → 3.75%

| Dec 8, 2020

Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More

Rate History: 1.25% → 2.00% → 1.25% → 4.25% → 3.75%

| Apr 30, 2019

No issues. I feel confident using them. Read More

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

| Jan 28, 2025

4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More

• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings.
Rate History: 5.17% → 5.00% → 4.08% → 4.06% → 3.55%

| May 21, 2021

avoid this Read More

Rate History: 3.85% → 3.64% → 3.54%

Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%

| May 19, 2018

Experience Read More

Warning: Early Withdrawal Penalty is 12 Months interest.
Rate History: 5.60% → 5.30% → 4.75% → 4.00% → 3.50%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%

| 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: 1.10% → 3.50%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 4.70% → 4.00% → 4.30% → 3.30% → 3.49%

| Nov 12, 2018

Helpful w/$ Read More

Rate History: 3.85% → 3.60% → 3.85% → 3.50% → 3.25%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.25% → 3.75% → 4.25% → 4.10% → 3.25%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 5.00% → 3.50% → 3.25%

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

| 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

Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%

| 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

Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%

| 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% → 2.91%

| Mar 2, 2024

Attracted to the name, but the service had too many steps so I didn't open an account. Read More

Rate History: 0.75% → 3.00% → 2.85% → 3.00% → 2.75%

| May 26, 2017

Before009 Read More

Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50%

| Nov 17, 2020

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

Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%

| 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

Rate History: 0.05% → 2.00%

| Jul 28, 2020

Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More

Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%

| Jan 2, 2023

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

Rate History: 2.00% → 1.50% → 3.25% → 2.00%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 4.65% → 3.00% → 1.80%

| 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

Rate History: 1.65% → 1.01% → 4.15% → 1.01%

| Aug 28, 2021

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

| 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

0.86%

$10,000

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| Sep 20, 2019

100 day cd 2.85% Read More

0.85%

$10,000

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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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| 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

0.75%

$10,000

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0.75%

$10,000

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0.75%

$100,000

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Rate History: 0.75% → 0.30% → 0.75%

0.70%

$10,000

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0.65%

$100,000

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0.65%

$500

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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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%

$500

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0.55%

$10,000

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0.55%

$10,000

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0.51%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$1,000

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0.50%

$10,000

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0.50%

$100,000

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| 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

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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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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| Oct 29, 2017

Excellentr Read More

0.50%

$500

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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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0.50%

$100,000

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0.50%

$10,000

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0.45%

$1,000

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0.45%

$10,000

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| Sep 14, 2020

Jamestown KY Read More

Rate History: 0.45% → 2.02% → 0.45%

| Aug 28, 2022

Rates are totally uncompetitive now. Read More

0.41%

$500

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0.40%

$500

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$500

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0.40%

$500

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0.40%

$10,000

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| Aug 17, 2015

I can only dream about CD rates returning to these levels like the 1970's. Read More

0.40%

$100,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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| Aug 5, 2021

This bank is terrible never allow them to keep your money Read More

0.35%

$1,000

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0.35%

$10,000

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0.35%

$10,000

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| May 20, 2017

I received a check from them, misplaced it and now have found. Two years old. What now? Read More

0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$1,000

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| 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

| Jun 7, 2018

Friendly people; good place to do business. Read More

0.30%

$100,000

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0.30%

$10,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.30%

$10,000

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| 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

0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.27%

$10,000

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0.26%

$500

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Early Withdrawal Penalty is 181 days interest.

| 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

0.25%

$500

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0.25%

$10,000

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| 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

0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$500

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0.25%

$10,000

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| 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

0.20%

$10,000

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0.20%

$500

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0.20%

$10,000

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| Sep 26, 2015

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

0.20%

$10,000

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| Mar 11, 2023

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

0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.18%

$5,000

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| May 21, 2018

I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More

| Mar 26, 2021

So my bank citizens national bank of Somerset ky. They have previously in the past deposited the wrong person's tax account into my account and taking it back out without my whereabouts which made my accou... Read More

0.15%

$500

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0.15%

$1,000

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| 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

0.15%

$10,000

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0.15%

$10,000

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0.10%

$500

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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| Jun 28, 2017

showmethreethousanddollars Read More

0.08%

$10,000

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| 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

| 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 zip 10116


Branch Street City State
American Bank & Trust Company, Inc.
Louisville Road Branch
3411 Louisville Road Bowling Green KY
Truist Bank
Crittenden Branch
100 South Main Street Crittenden KY
Citizens
Ashland Ky Lpo Branch
332 15th Street Ashland KY
Fifth Third Bank, National Association
Cincinnati/Norther Kentucky Internat Branch
2939 Terminal Drive Hebron KY
Woodforest National Bank
8073 Murray Kemtucky Walmart Branch
809 N. 12th Street Murray KY
JPMorgan Chase Bank, National Association
Highland Baxter Branch
970 Baxter Avenue Louisville KY
River City Bank, Inc.
Greenwood Road Branch
6308 Greenwood Road Louisville KY
United Community Bank of West Kentucky, Inc.
Clay Branch
54 Hearin St Clay KY
Bank of Hindman
Bank Of Hindman Branch
1362 Hindman Bypass Hindman KY
Magnolia Bank, Incorporated
Hodgenville Branch
794 Old Elizabethtown Road Hodgenville KY
Bank of Buffalo
Bank Of Buffalo Branch
2441 Greensburg Road Buffalo KY
The Sacramento Deposit Bank
Caneyville Branch
102 N Main St Caneyville KY
First State Bank
Rough River Branch
9666 South Highway 259 Mcdaniels KY
The Lincoln National Bank of Hodgenville
Bloomfield Rd Branch
940 Bloomfield Road Bardstown KY
The Cecilian Bank
Downtown Branch
222 South Main Street Hardinsburg KY
West Point Bank
West Point Branch
601 Main Street West Point KY
Eclipse Bank, Inc.
Eclipse Bank, Inc. Branch
3827 Shelbyville Road Louisville KY
1st Trust Bank, Inc.
London Shopping Center Branch
271 London Shoping Center London KY
Bank of Clarkson
Main Street Leitchfield Branch
417 South Main Street Leitchfield KY
Bank of Edmonson County
Boec Branch Office Branch
6780 Louisville Rd Bowling Green KY
Heritage Bank, Inc.
North Branch
U.S. Highway 27 Butler KY
The Citizens Bank
The Citizens Bank Branch
1522 Union City Highway Hickman KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown KY
First Federal Savings and Loan Association
First Federal Savings And Loan Assoc Branch
Main & Lovern Streets Hazard KY
Field & Main Bank
Field & Main Bank Branch
Walnut And Pike Streets Cynthiana KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown KY
1st Trust Bank, Inc.
London Shopping Center Branch
271 London Shoping Center London KY
The Farmers Bank
Wilmore Branch
213 East Main Street Wilmore 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
Clinton Bank
Clinton Bank Branch
220 East Clay Street Clinton KY
The First National Bank of Russell Springs
Downtown Branch
Main And Wilson Russell Springs KY
Bank of Edmonson County
Boec Branch Office Branch
6780 Louisville Rd Bowling Green KY
Taylor County Bank
Taylor County Bank Branch
Broadway And Lebanon Avenues Campbellsville KY
Bank of Cadiz and Trust Company
Bank Of Cadiz And Trust Company Branch
Main And Scott Streets Cadiz KY
First Kentucky Bank, Inc.
Cunningham Branch
8141 Ushwy 62 Cunningham KY
Independence Bank of Kentucky
Highway 54 Branch
3228 Highway 54 Owensboro KY
Planters Bank, Inc.
Sebree Facility Branch
796 Us Highway 41 N Sebree KY
First United Bank and Trust Company
First United Bank And Trust Company Branch
162 North Main Street Madisonville KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown KY
Forcht Bank, National Association
Grant - Crittenden Branch
I-75 And Violet Road Crittenden KY
Meade County Bank
River Ridge Shopping Center Branch
By-Pass Road Brandenburg KY
The Farmers Bank of Milton
The Farmers Bank Of Milton Branch
41 Ferry Street Milton KY
Home Savings Bank, FSB
Home Savings Bank, Fsb Branch
202 Elm Street Ludlow KY
Guardian Savings Bank
Florence Branch
7550 Mall Road Florence KY
Peoples Bank
Peoples Bank Branch
265 Old Springfield Road Lebanon KY
Citizens Bank & Trust Company
Main Street Branch
408 East Main Street Campbellsville KY
United Citizens Bank of Southern Kentucky
United Citizens Bank Of Southern Ken Branch
700 Jamestown Street Columbia KY
Peoples Exchange Bank
Highways 52-11 Branch
Highways 52 And 11 Beattyville KY
The First National Bank of Manchester
The First National Bank Of Manchester Branch
2770 State Highway 421 South Garrard KY
Hyden Citizens Bank
Wooton Branch
5244 Kentucky Highway 80 Wooton KY
The Murray Bank
700 B North 12th Street Branch
700 B North 12th Street Murray KY
Bank of Columbia
Jamestown Street Branch
807 Jamestown Street Columbia KY
Bank of Jamestown
Russell Springs Branch
43 Highway 910 Russell Springs KY
Springfield State Bank
Willisburg Branch
2559 Main Street Willisburg KY
First Federal Savings and Loan Association
First Federal Savings And Loan Assoc Branch
211 West Main Street Morehead KY
Town & Country Bank and Trust Company
West John Rowan Boulevard Branch
90 West John Rowan Boulevard Bardstown KY
United Southern Bank
Clifty Branch
Highway 181 Clifty KY
South Central Bank, Inc.
Dixie Hwy Branch
1000 North Dixie Avenue Elizabethtown 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
Bedford Loan & Deposit Bank
Pendleton Branch
973 Pendleton Road Pendleton KY
First Federal Savings Bank of Kentucky
Danville Br Branch
340 W Main St Danville 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
The Commercial Bank of Grayson
Olive Hill Branch
Tom T. Hall Boulevard Olive Hill KY
Citizens Bank of Kentucky, Inc.
Winchester Branch
695 Bullion Boulevard Winchester KY
First & Farmers National Bank, Inc.
Nancy Branch
9260 Highway 80 Nancy KY
United Cumberland Bank
Pine Knot Branch
3995 South Highway 27 Pine Knot KY
Cumberland Valley National Bank & Trust Company
Wal-Mart Superstore Branch
1851 Kentucky 192 London 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
Union Plaza Branch
603 Knox Street Barbourville KY
The First National Bank of Manchester
The First National Bank Of Manchester Branch
2770 State Highway 421 South Garrard KY
Pbt Bancorp
Airport Gardens Branch
21 Grand Vue Plaza Hazard KY
FIRST NATIONAL BANK OF KENTUCKY
First National Bank Of Kentucky Branch
604 Highland Avenue Carrollton KY
Banterra Bank
Paducah West-3300 Branch
5200 Hinkleville Road Paducah KY
Fredonia Valley Bank
Fredonia Valley Bank Branch
602 Cassidy Ave Fredonia KY
Republic Bank & Trust Company
Hwy 22 Branch
9600 Brownsboro Rd Louisville KY
Commonwealth Community Bank, Inc.
Centertown Branch
Main Street And Highway 69 Centertown KY
Morgantown Bank & Trust Company, Incorporated
Highway 70 Branch
U.S. Highway 70 & State Highway 403 Morgantown KY
Peoples Bank of Kentucky, Inc.
Hillsboro Branch
Route 111 Hillsboro 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
Citizens Bank
Brodhead Branch
53 South Main Street Brodhead KY
Farmers State Bank
Farmers State Bank Branch
Main Street Booneville KY
Lewisburg Banking Company
Russellville Branch
780 Hopkinsville Road Russellville KY
The First National Bank of Williamson
The First National Bank Of Williamso Branch
109 Prater Place, Suite 100 Pikeville KY
Auburn Banking Company
Auburn Banking Company Branch
Main And Lincoln Streets Auburn KY
Armed Forces Bank, National Association
Community Center Branch
131 Gold Vault Road Fort Knox KY
Citizens Federal Savings and Loan Association
Citizens Federal Savings And Loan As Branch
433 Madison Ave Covington KY
Whitaker Bank
Franklin Square Branch
U.S. Highway 127 Frankfort KY
The First National Bank of Brooksville
Drive-Thru Branch
107 East Miami Street Brooksville KY
Pinnacle Bank, Inc.
Pinnacle Bank, Inc. Branch
26 Second Street Vanceburg KY
First State Bank of the Southeast, Inc
Harlan Road Branch
U.S. Highway 119 Pineville KY
Farmers & Traders Bank of Campton
Farmers & Traders Bank Of Campton Branch
215 Mountain Parkway Spur Campton KY
First Community Bank of the Heartland, Inc.
Kevil Banking Center Branch
952 Kentucky Avenue Kevil KY
The Farmers National Bank of Lebanon
Campbellsville Highway Branch
2160 Campbellsville Road Lebanon KY
Kentucky Farmers Bank Corporation
Suburban Branch
U.S. Highway 60 Boyd County KY
The Monticello Banking Company
Village Center Branch
181 Finance Street Harlan KY
Security Bank and Trust Company
Fulton Bank Branch
One Bankers Plaza Fulton KY
The Peoples Bank
Elk Creek Branch
5511 Taylorsville Road Fisherville KY
Traditional Bank, Inc.
Jeffersonville Branch
7880 Main Street Jeffersonville KY
The Casey County Bank, Inc.
Drive-In Branch
Middleburg Street Liberty KY
Bank of the Bluegrass and Trust Company
Southland Branch
215 Southland Drive Lexington KY
Hometown Bank of Corbin, Inc.
Master Street Branch
501 Master Street Corbin KY
The First National Bank of Williamson
The First National Bank Of Williamso Branch
109 Prater Place, Suite 100 Pikeville KY
Commercial Bank
Commercial Bank Branch
550 Main Street West Liberty KY
Wilson & Muir Bank & Trust Company
Bloomfield Branch
105 Taylorsville Road Bloomfield 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
Central Bank & Trust Co.
Hurstbourne Plaza Branch
9300 Shelbyville Road, Suite 100 Louisville KY
Security Bank and Trust Co.
U.S. 68 Branch
1426 U.S. 68 South Maysville KY
Bank of Maysville
Aa Highway Branch
253 Wal-Mart Way Maysville KY
PBK BANK, INC.
Hustonville Branch
Bradfordsville Road Hustonville KY
Cumberland Security Bank, Inc.
Somerset Branch
377 U.S. Highway 27 Somerset KY
Bank of Lexington, Inc.
Tates Creek Branch
866 Malabu Drive Lexington KY
Hearthside Bank Corporation
Village Center Branch
185 Finance Street Harlan KY
Citizens Bank & Trust Co. of Jackson
Citizens Bank & Trust Co. Of Jackson Branch
720 Hwy, 15 South Jackson KY
The Paducah Bank and Trust Company
The Paducah Bank And Trust Company Branch
555 Jefferson Street Paducah KY
The Citizens National Bank of Somerset
Plaza Branch
293 North Highway 27 Somerset KY
Farmers Bank and Trust Company
Salem Office Branch
216 West Main Street Salem KY
FNB Bank, Inc.
Wingo Branch
9606 Highway 45 S. Wingo KY
Old National Bank
Chamberlain Pointe Branch
9708 Brownsboro Road Louisville KY
Peoples Bank, Mt. Washington
Mount Washington Drive In Branch
415 Oakbrooke Drive Mount Washington KY
The Farmers National Bank of Danville
Harrodsburg Branch
776 South College Street Harrodsburg KY
Sonata Bank
Sebree Deposit Bank Branch
147 West Main Street Sebree KY
First Kentucky Bank, Inc.
Cunningham Branch
8141 Ushwy 62 Cunningham KY
First Southern National Bank
First Southern National Bank Branch
Main And Church Streets Bremen KY
First Financial Bank
Burlington Branch
Limaburg Road And Jones Circle Burlington KY
Peoples Bank
Russell Branch
900 Diederich Boulevard Russell 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
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


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

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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

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

SAVINGS & CD CALCULATOR

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

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