Best CD Rates in Kentucky, KY

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 ^?
Finworth, a division of InsBank	4.46%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.35% → 4.55% → 4.35% → 4.20% → 4.46%
Geoffrey Christopher 1 \| 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
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%
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
Colorado Federal Savings Bank	4.40%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.50% → 4.45% → 4.40% → 4.00% → 4.40%
jp2 \| 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
Merrick Bank	4.35%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.35% → 4.25% → 4.05% → 4.35%
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)
Prime Alliance Bank	4.30%	$500	-	Learn More
Early Withdrawal Penalty is 30 days interest. Rate History: 4.75% → 4.50% → 4.45% → 4.25% → 4.30%
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)
Bask Bank, a division of Texas Capital Bank	4.30%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.40% → 4.25% → 4.40% → 4.30%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
TotalDirect, a division of City National Bank of Florida	4.25%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%
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
ableBanking, a division of Northeast Bank	4.25%	$500	-	Learn More Add Review
Rate History: 5.15% → 4.70% → 4.20% → 4.00% → 4.25%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Limelight Bank, A division of Capital Community Bank	4.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Rising Bank, a division of Midwest BankCentre	4.21%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 4.15% → 4.25% → 4.45% → 4.21%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%
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)
First Internet Bank of Indiana	4.19%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.84% → 4.42% → 4.20% → 4.40% → 4.19%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
CFG Bank	4.15%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 4.25% → 4.15% → 4.00% → 4.15%
TJK \| 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
Goldman Sachs Bank	4.10%	$500	-	Learn More Add Review
Rate History: 4.30% → 4.20% → 4.10% → 4.25% → 4.10%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.10%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.02% → 4.85% → 4.25% → 4.21% → 4.10%
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)
Seattle Bank	4.10%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%
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)
National Cooperative Bank	4.08%	$2,500	-	Learn More
Early Withdrawal Penalty is 3 months interest. Rate History: 5.18% → 5.02% → 5.18% → 4.30% → 4.08%
JC \| 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 Reviews (2)
Canadian Imperial Bank USA	4.01%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 30 days interest. Rate History: 4.56% → 4.43% → 4.31% → 4.21% → 4.01%
ytr0171 \| 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
Capital One 360	4.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.50% → 4.20% → 4.00% → 4.10% → 4.00%
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
Discover Bank	4.00%	$2,500	-	Learn More Add Review
Rate History: 4.90% → 4.80% → 4.70% → 4.10% → 4.00%
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
MainStreet Bank	4.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.15% → 5.00% → 4.25% → 4.15% → 4.00%
M.Y. Safra Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.90% → 4.55% → 4.75%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Synchrony Bank	4.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.60% → 4.50% → 4.40% → 4.20% → 4.00%
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, National Association	4.00%	$0	-	Learn More
Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%
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)
Ivy Bank	4.00%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00%
lrcbob \| 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
Amboy Direct	4.00%	$10,000	-	Learn More Add Review
Union Bank and Trust Company	4.00%	$1,000	-	Learn More
Rate History: 1.81% → 4.85% → 4.75% → 4.30% → 4.00%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
American Bank & Trust Company, Inc. Louisville Road Branch	4.00%	$1,000	-	Learn More Add Review
Rate History: 5.20% → 4.95% → 4.00%
Forbright Bank	4.00%	$1,000	-	Learn More
Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%
lrcbob \| 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 Reviews (2)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.40% → 4.30% → 4.10% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Valley Direct, a division of Valley National Bank	3.90%	$500	-	Learn More Add Review
Rate History: 5.00% → 5.25% → 5.60% → 4.30% → 3.90%
AEM \| 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
First Foundation Bank	3.90%	$2,500	-	Learn More
Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Gateway First Bank	3.90%	$500	-	Learn More
Rate History: 4.30% → 3.90%
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)
Virtualbank, a division of First Horizon Bank	3.87%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 1% 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
Ally Bank	3.85%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 4.00% → 3.90% → 3.85%
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
Vio Bank, A Division of MidFirst Bank	3.85%	$500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bank of Whittier, National Association	3.82%	$1,000	-	Learn More Add Review
TIAA Bank / Everbank	3.80%	$1,000	-	Learn More Add Review
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%
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
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%
Dkplan \| 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 Reviews (8)
LendingClub	3.75%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.60% → 4.40% → 4.10% → 4.00% → 3.75%
overdrawn \| 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 Reviews (21)
Truist Bank Crittenden Branch	3.75%	$1,000	-	Learn More
Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%
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)
Salem Five Direct	3.75%	$500	-	Learn More Add Review
Rate History: 2.95% → 3.75%
LarryMass \| 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
Northfield Bank	3.75%	$0	-	Learn More Add Review
Rate History: 1.25% → 2.00% → 1.25% → 4.25% → 3.75%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
Blue Foundry Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 4.50% → 4.00% → 3.75%
Peak Bank	3.70%	$500	-	Learn More Add Review
Gary Smith \| 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
IncredibleBank	3.55%	$1,000	-	Learn More Add Review
• $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%
nonsense \| May 21, 2021 avoid this Read More
Hingham Institution for Savings	3.54%	$1,000	-	Learn More Add Review
Rate History: 3.85% → 3.64% → 3.54%
TD Bank, National Association	3.51% 0.05%	$10,000 $10,001	-	Learn More
Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 12 Months interest. Rate History: 5.60% → 5.30% → 4.75% → 4.00% → 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
Citizens	3.50%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
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
WebBank	3.50%	$2,500	-	Learn More
Rate History: 1.10% → 3.50%
dbestway@gmail.com \| 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 Reviews (2)
Citizens Ashland Ky Lpo Branch	3.50%	$5,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch	3.49% 0.01%	$5,000 $500	-	Learn More
Rate History: 4.70% → 4.00% → 4.30% → 3.30% → 3.49%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
American Express Bank, FSB	3.25%	$0	-	Learn More Add Review
Rate History: 3.85% → 3.60% → 3.85% → 3.50% → 3.25%
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
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 3.75% → 4.25% → 4.10% → 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)
Dollar Savings Direct, a division of Emigrant Bank	3.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 5.00% → 3.50% → 3.25%
J Dally \| 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
Memory Bank, a division of Republic Bank & Trust Company	3.25%	$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
Bank of America, National Association	3.25%	$100,000	-	Learn More
Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%
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)
Citibank, National Association	3.00%	$0	-	Learn More
Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%
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)
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%
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
Climate First Bank	2.91%	$500	-	Learn More
Rate History: 1.00% → 2.91%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Chesapeake Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 0.75% → 3.00% → 2.85% → 3.00% → 2.75%
ruler009 \| May 26, 2017 Before009 Read More
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	2.50%	$500	-	Learn More
Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
USAA Federal Savings Bank	2.05%	$1,000	-	Learn More
Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%
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)
Bank of Montreal Harris	2.00%	$1,000	-	Learn More Add Review
Rate History: 0.05% → 2.00%
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More
JPMorgan Chase Bank, National Association Highland Baxter Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 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)
Wells Fargo Bank, National Association	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| 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 Reviews (7)
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More Add Review
Rate History: 4.65% → 3.00% → 1.80%
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
Hingham Savings	1.01%	$1,000	-	Learn More Add Review
Rate History: 1.65% → 1.01% → 4.15% → 1.01%
River City Bank, Inc. Greenwood Road Branch	1.00%	$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)
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)
Bank of Hindman Bank Of Hindman Branch	0.86%	$10,000	-	Learn More Add Review
Magnolia Bank Hodgenville Branch	0.85%	$500	-	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
Bank of Buffalo Bank Of Buffalo Branch	0.85%	$10,000	-	Learn More Add Review
The Sacramento Deposit Bank Caneyville Branch	0.80%	$100,000	-	Learn More Add Review
First State Bank Rough River Branch	0.80%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	0.75%	$10,000	-	Learn More Add Review
The Cecilian Bank Downtown Branch	0.75%	$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)
West Point Bank West Point Branch	0.75%	$10,000	-	Learn More Add Review
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	0.75%	$10,000	-	Learn More Add Review
1st Trust Bank, Inc. London Shopping Center Branch	0.75%	$100,000	-	Learn More Add Review
OneLocal Bank	0.75%	$1,000	-	Learn More Add Review
Rate History: 0.75% → 0.30% → 0.75%
Bank of Clarkson Main Street Leitchfield Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Edmonson County Boec Branch Office Branch	0.65%	$100,000	-	Learn More Add Review
Heritage Bank, Inc. North Branch	0.65%	$500	-	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	0.65%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.65%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.65%	$10,000	-	Learn More Add Review
Field & Main Bank Field & Main Bank Branch	0.60%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.60%	$10,000	-	Learn More Add Review
1st Trust Bank, Inc. London Shopping Center Branch	0.60%	$10,000	-	Learn More Add Review
The Farmers Bank Wilmore Branch	0.55%	$500	-	Learn More Add Review
The Sacramento Deposit Bank Caneyville Branch	0.55%	$10,000	-	Learn More Add Review
Franklin Bank & Trust Company South Branch	0.55%	$10,000	-	Learn More Add Review
Clinton Bank Clinton Bank Branch	0.51%	$10,000	-	Learn More Add Review
The First National Bank of Russell Springs Downtown Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Edmonson County Boec Branch Office Branch	0.50%	$10,000	-	Learn More Add Review
Taylor County Bank Taylor County Bank Branch	0.50%	$1,000	-	Learn More Add Review
Bank of Cadiz and Trust Company Bank Of Cadiz And Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
First Kentucky Bank, Inc. Cunningham Branch	0.50%	$100,000	-	Learn More Add Review
Independence Bank of Kentucky Highway 54 Branch	0.50%	$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)
Planters Bank, Inc. Sebree Facility Branch	0.50%	$10,000	-	Learn More Add Review
First United Bank and Trust Company First United Bank And Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.50%	$10,000	-	Learn More Add Review
Forcht Bank, National Association Grant - Crittenden Branch	0.50%	$10,000	-	Learn More Add Review
Meade County Bank River Ridge Shopping Center Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	0.50%	$100,000	-	Learn More Add Review
Home Savings Bank, FSB Home Savings Bank, Fsb Branch	0.50%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank Florence Branch	0.50%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Peoples Bank Peoples Bank Branch	0.50%	$500	-	Learn More Add Review
Citizens Bank & Trust Company Main Street Branch	0.50%	$10,000	-	Learn More Add Review
United Citizens Bank of Southern Kentucky United Citizens Bank Of Southern Ken Branch	0.50%	$10,000	-	Learn More Add Review
Peoples Exchange Bank Highways 52-11 Branch	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Manchester The First National Bank Of Manchester Branch	0.50%	$100,000	-	Learn More Add Review
Hyden Citizens Bank Wooton Branch	0.50%	$10,000	-	Learn More Add Review
The Murray Bank 700 B North 12th Street Branch	0.45%	$1,000	-	Learn More Add Review
Bank of Columbia Jamestown Street Branch	0.45%	$10,000	-	Learn More Add Review
Bank of Jamestown Russell Springs Branch	0.45%	$10,000	-	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
MutualOne Bank	0.45%	$500	-	Learn More
Rate History: 0.45% → 2.02% → 0.45%
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Springfield State Bank Willisburg Branch	0.41%	$500	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.40%	$500	-	Learn More Add Review
Town & Country Bank and Trust Company West John Rowan Boulevard Branch	0.40%	$10,000	-	Learn More Add Review
First Financial Bank, National Association	0.40%	$10,000	-	Learn More Add Review
United Southern Bank Clifty Branch	0.40%	$10,000	-	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.40%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company Springhurst Br Branch	0.40%	$500	-	Learn More Add Review
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	0.40%	$500	-	Learn More Add Review
Bedford Loan & Deposit Bank Pendleton Branch	0.40%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Kentucky Danville Br Branch	0.40%	$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)
First & Peoples Bank and Trust Company Ashland Plaza Branch	0.40%	$100,000	-	Learn More Add Review
The First National Bank of Grayson Sandy Hook Branch	0.40%	$100,000	-	Learn More Add Review
The Commercial Bank of Grayson Olive Hill Branch	0.40%	$10,000	-	Learn More Add Review
Citizens Bank of Kentucky, Inc. Winchester Branch	0.40%	$10,000	-	Learn More Add Review
First & Farmers National Bank, Inc. Nancy Branch	0.40%	$10,000	-	Learn More Add Review
United Cumberland Bank Pine Knot Branch	0.40%	$10,000	-	Learn More Add Review
Cumberland Valley National Bank & Trust Company Wal-Mart Superstore Branch	0.40%	$10,000	-	Learn More Add Review
Citizens Guaranty Bank Four Mile Branch	0.40%	$10,000	-	Learn More Add Review
Jackson County Bank Sandgap Branch	0.40%	$10,000	-	Learn More Add Review
Commercial Bank Union Plaza Branch	0.40%	$10,000	-	Learn More Add Review
The First National Bank of Manchester The First National Bank Of Manchester Branch	0.40%	$10,000	-	Learn More Add Review
Peoples Bank & Trust Company of Hazard Airport Gardens Branch	0.40%	$10,000	-	Learn More
Jc \| Aug 5, 2021 This bank is terrible never allow them to keep your money Read More Reviews (1)
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	0.35%	$1,000	-	Learn More Add Review
Banterra Bank Paducah West-3300 Branch	0.35%	$10,000	-	Learn More Add Review
Fredonia Valley Bank Fredonia Valley Bank Branch	0.35%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company Hwy 22 Branch	0.35%	$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)
Commonwealth Community Bank, Inc. Centertown Branch	0.35%	$10,000	-	Learn More Add Review
FirstBank	0.35%	$10,000	-	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	0.35%	$10,000	-	Learn More Add Review
Peoples Bank of Kentucky, Inc. Hillsboro Branch	0.35%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company Ashland Plaza Branch	0.35%	$10,000	-	Learn More Add Review
The First National Bank of Grayson Sandy Hook Branch	0.35%	$10,000	-	Learn More Add Review
Citizens Bank Brodhead Branch	0.35%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.35%	$1,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.30%	$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
Lewisburg Banking Company Russellville Branch	0.30%	$1,000	-	Learn More
kateast \| Jun 7, 2018 Friendly people; good place to do business. Read More Reviews (1)
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.30%	$100,000	-	Learn More Add Review
Auburn Banking Company Auburn Banking Company Branch	0.30%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Community Center Branch	0.30%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	0.30%	$10,000	-	Learn More Add Review
Whitaker Bank Franklin Square Branch	0.30%	$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 First National Bank of Brooksville Drive-Thru Branch	0.30%	$10,000	-	Learn More Add Review
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	0.30%	$10,000	-	Learn More Add Review
FIRST STATE BANK OF THE SOUTHEAST, INC Harlan Road Branch	0.30%	$10,000	-	Learn More Add Review
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	0.27%	$10,000	-	Learn More Add Review
First Community Bank of the Heartland, Inc. Kevil Banking Center Branch	0.26%	$500	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 181 days interest.
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
The Farmers National Bank of Lebanon Campbellsville Highway Branch	0.25%	$500	-	Learn More Add Review
Kentucky Farmers Bank Corporation Suburban Branch	0.25%	$10,000	-	Learn More Add Review
The Monticello Banking Company Village Center Branch	0.25%	$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)
Security Bank and Trust Company Fulton Bank Branch	0.25%	$10,000	-	Learn More Add Review
Veritex Community Bank	0.25%	$10,000	-	Learn More Add Review
The Peoples Bank Elk Creek Branch	0.25%	$10,000	-	Learn More Add Review
Traditional Bank, Inc. Jeffersonville Branch	0.25%	$10,000	-	Learn More Add Review
The Casey County Bank, Inc. Drive-In Branch	0.25%	$10,000	-	Learn More Add Review
Bank of the Bluegrass and Trust Company Southland Branch	0.25%	$500	-	Learn More Add Review
Hometown Bank of Corbin, Inc. Master Street 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
The First National Bank of Williamson The First National Bank Of Williamso Branch	0.20%	$10,000	-	Learn More Add Review
Commercial Bank Commercial Bank Branch	0.20%	$500	-	Learn More Add Review
Wilson & Muir Bank & Trust Company Bloomfield Branch	0.20%	$10,000	-	Learn More Add Review
First Harrison Bank John Harper Highway Branch	0.20%	$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)
WesBanco Bank, Inc. Riverfront Plaza Branch	0.20%	$10,000	-	Learn More Add Review
Central Bank & Trust Company Hurstbourne Plaza Branch	0.20%	$10,000	-	Learn More
Pbar \| Mar 11, 2023 Best Bank in Lexington. FDIC insured but not ruled by the Fed. Read More Reviews (2)
Security Bank and Trust Co. U.S. 68 Branch	0.20%	$10,000	-	Learn More Add Review
Bank of Maysville Aa Highway Branch	0.20%	$10,000	-	Learn More Add Review
PBK BANK, INC. Hustonville Branch	0.20%	$10,000	-	Learn More Add Review
Cumberland Security Bank, Inc. Somerset Branch	0.20%	$10,000	-	Learn More Add Review
Bank of Lexington, Inc. Tates Creek Branch	0.20%	$10,000	-	Learn More Add Review
Home Federal Bank Corporation Village Center 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
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	0.18%	$5,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| 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
The Citizens National Bank of Somerset Plaza Branch	0.15%	$1,000	-	Learn More
preachjon@gmail.com \| 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 Reviews (1)
Farmers Bank and Trust Company Salem Office Branch	0.15%	$500	-	Learn More Add Review
FNB Bank, Inc. Wingo Branch	0.15%	$1,000	-	Learn More Add Review
Old National Bank Chamberlain Pointe Branch	0.15%	$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 Peoples Bank Mount Washington Drive In Branch	0.15%	$10,000	-	Learn More Add Review
The Farmers National Bank of Danville Harrodsburg Branch	0.15%	$10,000	-	Learn More Add Review
Sebree Deposit Bank Sebree Deposit Bank Branch	0.10%	$500	-	Learn More Add Review
First Kentucky Bank, Inc. Cunningham Branch	0.10%	$10,000	-	Learn More Add Review
First Southern National Bank First Southern National Bank Branch	0.10%	$10,000	-	Learn More Add Review
First Financial Bank Burlington Branch	0.10%	$10,000	-	Learn More Add Review
Peoples Bank Russell Branch	0.09%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
The Citizens National Bank of Lebanon The Citizens National Bank Of Lebano Branch	0.08%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
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)
U.S. Bank National Association Madisonville Main Branch	0.05%	$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	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
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)
OneWest Bank, a division of First-Citizens Bank and Trust	0.01%	$500	-	Learn More Add Review

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

See rates for Online Banks →

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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

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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CD Resources

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Certificates of Deposit - Branch Banks 2025

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ADVANTAGES AND DISADVANTAGES

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

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