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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Kentucky
Below are special Certificate of Deposit special rates and terms from banks in Kentucky. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.
KY - November 24, 2025
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
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5.40% | $5,000 | 5 months |
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Rate History: 5.60% → 5.35% → 4.80% → 4.45% → 5.40% |
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Burlington Branch
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5.15% | $5,000 | 9 months |
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Rate History: 1.00% → 5.15% |
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Carrollton Ky Branch
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5.00% | $1,000 | 8 months |
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Rate History: 5.10% → 5.00% |
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City National Bank of West Virginia Suburban Branch |
4.75% | $5,000 | 9 months |
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Rate History: 4.00% → 4.50% → 4.75% |
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City National Bank of West Virginia Suburban Branch |
4.50% | $5,000 | 17 months |
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Rate History: 4.00% → 4.75% → 4.85% → 4.50% |
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Brilliant Bank, a division of Equity Bank |
4.06% | $1,000 | 15 months |
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% |
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4.03% | $500 | 7 months |
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Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch |
4.00% | $5,000 | 3 months |
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Rate History: 5.20% → 4.50% → 4.00% → 3.80% → 4.00% |
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4.00% | $2,500 | 4 months |
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U.S. Bank National Association Madisonville Main Branch |
4.00% | $1,000 | 5 months |
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Rate History: 3.00% → 5.00% → 4.00% → 3.60% → 4.00% |
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4.00% | $10,000 | 5 months |
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Rate History: 5.05% → 4.90% → 4.65% → 4.25% → 4.00% |
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8073 Murray Kemtucky Walmart Branch
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4.00% | $500 | 8 months |
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Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00% |
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4.00%
3.85% 3.85% |
$0
$0 |
14 months |
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Warning: This special term CD carries an early withdrawal penalty of 180 days interest, whereas the bank's 12-month CD is only very slight lower and has an early withdrawal penalty of 90 days interest. |
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3.95%
3.90% 3.90% |
$500
$500 |
11 months |
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Rate History: 4.25% → 3.90% → 4.05% → 3.95% |
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3.90%
3.70% 2.60% 2.40% 2.20% 2.10% 2.00% 3.70%2.60% 2.40% 2.20% 2.10% 2.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
4 months |
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3.90% | $2,500 | 6 months |
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Rate History: 4.75% → 5.15% → 4.00% → 3.85% → 4.25% |
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3.90% | $1,000 | 7 months |
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Rate History: 4.10% → 4.05% → 4.00% → 3.90% |
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3.85% | $1,000 | 7 months |
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Rate History: 4.35% → 3.85% → 3.51% → 4.03% → 3.85% |
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Plantation Pointe Branch
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3.82% | $1,000 | 5 months |
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Rate History: 3.56% → 3.05% → 4.34% → 4.08% → 3.82% |
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3.81% | $1,000 | 13 months |
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Rate History: 4.21% → 4.11% → 4.36% → 4.06% → 3.81% |
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Lacenter Branch
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3.80%
3.55% 3.55% |
$501
$500 |
5 months |
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Rate History: 5.00% → 4.75% → 0.01% → 3.80% |
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Community Financial Services Bank Calvert City Banking Center Branch |
3.80% | $1,000 | 14 months |
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Rate History: 3.60% → 3.83% → 4.07% → 3.82% → 3.80% |
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Citibank, National Association |
3.75% | $0 | 4 months |
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Bank of America, National Association |
3.75% | $10,000 | 7 months |
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Rate History: 4.35% → 4.05% → 3.80% → 4.00% → 3.75% |
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3.75% | $2,500 | 11 months |
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Rate History: 4.65% → 3.50% → 4.00% → 3.75% |
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3.75% | $1,000 | 12 months |
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Rate History: 4.50% → 4.00% → 3.75% → 3.95% → 3.75% |
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3.70% | $250 | 3 months |
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Rate History: 4.00% → 3.70% |
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3.70% | $2,500 | 7 months |
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Rate History: 3.80% → 3.70% |
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Lacenter Branch
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3.70%
3.45% 3.45% |
$501
$500 |
8 months |
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Rate History: 4.25% → 4.50% → 4.35% → 4.00% → 3.70% |
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3.65% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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3.65% | $5,000 | 8 months |
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Rate History: 3.65% → 3.65% |
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Wells Fargo Bank, National Association |
3.64% | $5,000 | 7 months |
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Rate History: 4.75% → 4.25% → 4.00% → 3.75% → 3.64% |
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Community Financial Services Bank Calvert City Banking Center Branch |
3.63% | $1,000 | 7 months |
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Rate History: 4.25% → 4.10% → 4.13% → 4.17% → 3.63% |
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Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch |
3.60% | $5,000 | 7 months |
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Rate History: 4.80% → 5.00% → 4.50% → 4.20% → 3.50% |
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3.55% | $1,000 | 22 months |
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Rate History: 2.75% → 4.00% → 3.80% → 3.55% |
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3.55% | $1,000 | 36 months |
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Rate History: 3.00% → 3.55% |
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Citibank, National Association |
3.50% | $0 | 6 months |
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Rate History: 3.00% → 2.25% → 3.80% → 1.50% → 3.50% |
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U.S. Bank National Association Madisonville Main Branch |
3.50% | $1,000 | 9 months |
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Rate History: 4.00% → 3.70% → 3.40% → 3.10% → 3.50% |
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3.50% | $10,000 | 9 months |
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Rate History: 5.00% → 4.75% → 4.00% → 3.50% |
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Citizens Bank, National Association Ashland Ky Lpo Branch |
3.50% | $25,000 | 10 months |
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Rate History: 5.00% → 5.25% → 5.00% → 4.00% → 3.50% |
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Wells Fargo Bank, National Association |
3.50% | $5,000 | 11 months |
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Rate History: 3.50% → 3.75% → 3.50% → 3.75% → 3.50% |
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3.50% | $5,000 | 11 months |
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11-Month No Penalty CD |
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8073 Murray Kemtucky Walmart Branch
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3.50% | $500 | 13 months |
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Rate History: 4.00% → 3.75% → 3.50% → 2.50% → 3.50% |
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North American Savings Bank, F.S.B. |
3.50% | $5,000 | 13 months |
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Rate History: 5.35% → 5.15% → 4.40% → 4.20% → 3.50% |
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3.50% | $10,000 | 15 months |
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Rate History: 4.00% → 3.50% |
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Finworth, a division of InsBank |
3.50% | $50,000 | 22 months |
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Rate History: 3.80% → 4.00% → 3.95% → 3.90% → 3.50% |
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3.50% | $1,000 | 25 months |
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Rate History: 3.60% → 3.50% → 3.60% → 3.55% → 3.50% |
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3.45% | $10,001 | 6 months |
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Rate History: 4.00% → 3.00% → 2.75% → 3.51% → 3.45% |
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Bank of America, National Association |
3.45% | $10,000 | 10 months |
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Rate History: 4.00% → 3.70% → 3.45% |
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3.45% | $500 | 11 months |
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Rate History: 3.75% → 3.50% → 4.00% → 3.75% → 3.45% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.35% | $1,000 | 11 months |
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Account cannot be closed online. Requires reaching phone representative to close. |
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3.30% | $1,000 | 13 months |
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Rate History: 3.75% → 3.30% → 2.65% → 2.95% → 3.30% |
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Rising Bank, a division of Midwest BankCentre |
3.30% | $1,000 | 15 months |
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Early Withdrawal Penalty is 180 days interest. |
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Citibank, National Association |
3.25% | $0 | 9 months |
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Rate History: 4.10% → 3.00% → 4.25% → 2.50% → 3.25% |
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Lacenter Branch
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3.25% | $501 | 13 months |
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Rate History: 3.50% → 3.25% |
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Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch |
3.25% | $5,000 | 13 months |
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Rate History: 4.00% → 4.30% → 3.30% → 3.49% → 3.25% |
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3.25% | $500 | 17 months |
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Early withdrawal penalty is 180 days interest. |
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3.25% | $1,000 | 24 months |
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Rate History: 3.50% → 3.25% |
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3.20% | $0 | 11 months |
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Rate History: 3.75% → 3.55% → 3.40% → 3.30% → 3.20% |
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U.S. Bank National Association Madisonville Main Branch |
3.20% | $1,000 | 13 months |
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Rate History: 3.50% → 3.20% → 3.10% → 3.00% → 3.20% |
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Citibank, National Association |
3.10% | $0 | 8 months |
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Rate History: 4.35% → 0.05% → 3.70% → 3.55% → 3.10% |
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3.10% | $10,000 | 9 months |
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Rate History: 3.75% → 3.25% → 3.10% |
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Plantation Pointe Branch
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3.05% | $1,000 | 9 months |
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Rate History: 4.86% → 4.34% → 4.08% → 3.56% → 3.05% |
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Citibank, National Association |
3.00% | $0 | 3 months |
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3.00% | $10,000 | 12 months |
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Rate History: 4.50% → 4.00% → 3.75% → 3.51% → 3.00% |
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Lacenter Branch
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3.00% | $500 | 13 months |
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Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00% |
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3.00% | $10,000 | 23 months |
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Rate History: 3.75% → 3.00% |
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Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch |
3.00% | $5,000 | 24 months |
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Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00% |
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2.96% | $5,000 | 51 months |
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Citibank, National Association |
2.90% | $0 | 5 months |
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Rate History: 3.00% → 3.50% → 3.25% → 1.75% → 2.90% |
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2.75%
2.25% 2.10% 2.00% 2.25%2.10% 2.00% |
$1,000
$1,000 $1,000 $1,000 |
13 months |
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Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
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Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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Lacenter Branch
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2.75% | $500 | 19 months |
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Rate History: 3.75% → 2.75% |
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2.75% | $500 | 23 months |
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Early withdrawal penalty is 180 days interest. |
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Crittenden Branch
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2.70% | $1,000 | 15 months |
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Rate History: 3.75% → 3.35% → 3.00% → 2.75% → 2.70% |
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PNC Bank, National Association Newport Branch |
2.60% | $1,000 | 61 months |
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Bank of America, National Association |
2.50% | $10,000 | 13 months |
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Rate History: 4.90% → 3.25% → 3.00% → 2.75% → 2.50% |
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PNC Bank, National Association Newport Branch |
2.40% | $1,000 | 37 months |
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2.25% | $1,000 | 6 months |
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Rate History: 4.65% → 4.55% → 3.45% → 2.50% → 2.25% |
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PNC Bank, National Association Newport Branch |
2.20% | $1,000 | 25 months |
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2.00% | $1,000 | 9 months |
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Rate History: 4.50% → 4.40% → 3.20% → 2.25% → 2.00% |
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PNC Bank, National Association Newport Branch |
2.00% | $1,000 | 13 months |
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Bank of America, National Association |
2.00% | $10,000 | 25 months |
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The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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1.96% | $5,000 | 13 months |
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Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
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Rate History: 1.85% → 1.70% |
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1.70% | $1,000 | 15 months |
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JPMorgan Chase Bank, National Association Highland Baxter Branch |
0.75% | $100,000 | 6 months |
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Rate History: 3.00% → 2.00% → 1.50% → 1.01% → 0.75% |
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Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
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Rate History: 1.00% → 0.50% |
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0.05% | $1,000 | 9 months |
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Community Financial Services Bank Calvert City Banking Center Branch |
0.05% | $1,000 | 21 months |
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Rate History: 1.00% → 3.25% → 3.00% → 0.05% |
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