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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 5, 2026
As of November 5, 2026, the highest special CD rate from a bank in Kentucky is 5.15% APY from First Financial Bank (minimum deposit $5,000). The best rate with a $1,000 minimum or less is 5.00% APY from German American Bank (minimum deposit $1,000). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
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Burlington Branch
|
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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Finworth, a division of InsBank |
4.55% | $50,000 | 22 months |
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Rate History: 3.50% → 3.20% → 4.35% → 4.45% → 4.55% |
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Rising Bank, a division of Midwest BankCentre |
4.51% | $1,000 | 15 months |
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Early Withdrawal Penalty is 180 days interest. |
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4.50% | $0 | 10 months |
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Rate History: 4.40% → 4.50% |
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4.50% | $1,000 | 13 months |
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Rate History: 3.71% → 3.90% → 4.00% → 4.30% → 4.50% |
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4.50% | $5,000 | 13 months |
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Rate History: 4.20% → 3.50% → 3.75% → 4.00% → 4.50% |
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4.50%
4.30% 4.30% |
$0
$0 |
15 months |
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Early withdrawal penalty is 180 days' interest. |
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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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4.50% | $10,000 | 18 months |
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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4.35% | $500 | 20 months |
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20-Month rate bump CD. |
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4.30% | $1,000 | 13 months |
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Rate History: 4.30% → 3.60% → 3.60% → 4.10% → 4.30% |
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4.25%
3.75% 3.50% 3.00% 2.80% 2.70% 2.50% 3.75%3.50% 3.00% 2.80% 2.70% 2.50% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
13 months |
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|
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Rate History: 2.00% → 2.00% → 2.00% → 3.50% → 4.25% |
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4.25% | $10,000 | 15 months |
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Rate History: 3.50% → 4.00% → 3.50% → 4.00% → 4.25% |
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4.25% | $1,000 | 22 months |
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Rate History: 4.00% → 3.80% → 3.55% → 4.10% → 4.25% |
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Vio Bank, A Division of MidFirst Bank |
4.20% | $500 | 9 months |
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Rate History: 4.05% → 4.20% |
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Community Financial Services Bank Calvert City Banking Center Branch |
4.17% | $1,000 | 14 months |
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Rate History: 3.82% → 3.80% → 3.49% → 3.87% → 4.17% |
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4.03% | $500 | 7 months |
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Rate History: 3.30% → 4.03% |
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4.00% | $10,000 | 4 months |
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OneWest Bank, a division of First-Citizens Bank and Trust |
4.00% | $5,000 | 5 months |
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8073 Murray Kemtucky Walmart Branch
|
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% | $5,000 | 8 months |
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Rate History: 4.00% → 4.00% → 3.75% → 3.75% → 4.00% |
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Lacenter Branch
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4.00%
3.75% 3.75% |
$501
$500 |
9 months |
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Rate History: 4.35% → 4.00% → 3.70% → 3.50% → 4.00% |
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4.00%
3.80% 3.75% 3.80%3.75% |
$500
$500 $500 |
11 months |
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Rate History: 3.90% → 4.05% → 3.95% → 3.80% → 4.00% |
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4.00% | $2,500 | 11 months |
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Rate History: 3.75% → 3.60% → 3.55% → 3.75% → 4.00% |
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Brilliant Bank, a division of Equity Bank |
4.00% | $1,000 | 15 months |
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|
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% → 4.00% |
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3.95% | $5,000 | 11 months |
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11-Month No Penalty CD |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.90% | $1,000 | 11 months |
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|
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Account cannot be closed online. Requires reaching phone representative to close. |
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North American Savings Bank, F.S.B. |
3.90% | $1,000 | 14 months |
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Rate History: 4.81% → 3.98% → 3.90% |
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Community Financial Services Bank Calvert City Banking Center Branch |
3.87% | $1,000 | 7 months |
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Rate History: 4.17% → 3.63% → 3.69% → 3.67% → 3.87% |
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Vio Bank, A Division of MidFirst Bank |
3.80% | $500 | 4 months |
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Rate History: 3.90% → 3.80% |
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Bank of America, National Association |
3.80%
3.51% 3.51% |
$100,000
$10,000 |
7 months |
Learn More
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Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80% |
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Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch |
3.75% | $5,000 | 3 months |
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Rate History: 3.80% → 4.00% → 3.40% → 3.80% → 3.75% |
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3.75% | $2,500 | 6 months |
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Rate History: 5.15% → 4.00% → 3.85% → 4.25% → 3.75% |
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3.75% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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Citizens Bank, National Association Ashland Ky Lpo Branch |
3.75% | $25,000 | 8 months |
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Rate History: 4.15% → 3.65% → 4.00% → 3.75% |
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OneWest Bank, a division of First-Citizens Bank and Trust |
3.75% | $5,000 | 11 months |
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|
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3.75% | $1,000 | 13 months |
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Rate History: 3.30% → 2.65% → 2.95% → 3.30% → 3.75% |
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Wells Fargo Bank, National Association |
3.74% | $2,500 | 7 months |
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Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74% |
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3.65% | $1,000 | 25 months |
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Rate History: 3.55% → 3.50% → 3.40% → 3.55% → 3.65% |
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Wells Fargo Bank, National Association |
3.64% | $2,500 | 15 months |
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Rate History: 3.74% → 3.64% |
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3.60% | $1,000 | 7 months |
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Rate History: 3.80% → 3.70% → 4.00% → 4.10% → 3.60% |
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Wells Fargo Bank, National Association |
3.59% | $2,500 | 11 months |
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Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59% |
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Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch |
3.50% | $5,000 | 7 months |
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Rate History: 4.50% → 4.20% → 3.50% → 3.20% → 3.50% |
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3.50% | $50,000 | 12 months |
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8073 Murray Kemtucky Walmart Branch
|
3.50% | $500 | 13 months |
Learn More
|
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Rate History: 4.00% → 3.75% → 3.50% → 2.50% → 3.50% |
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PNC Bank, National Association Newport Branch |
3.50% | $1,000 | 13 months |
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3.50% | $10,000 | 24 months |
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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3.40% | $1,000 | 7 months |
Learn More
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Rate History: 4.03% → 3.85% → 3.51% → 3.30% → 3.40% |
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3.35%
3.25% 3.15% 3.10% 3.00% 3.25%3.15% 3.10% 3.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 |
59 months |
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|
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Rate History: 2.50% → 2.50% → 2.75% → 3.00% → 3.35% |
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U.S. Bank National Association Madisonville Main Branch |
3.25% | $1,000 | 7 months |
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Rate History: 4.00% → 3.50% → 2.85% → 3.50% → 3.25% |
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Plantation Pointe Branch
|
3.25% | $1,000 | 9 months |
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Rate History: 3.56% → 3.05% → 3.05% → 4.00% → 3.25% |
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3.25% | $10,000 | 12 months |
Learn More
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Rate History: 4.00% → 3.75% → 3.51% → 3.00% → 3.25% |
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Lacenter Branch
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3.25% | $501 | 13 months |
Learn More
|
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Rate History: 3.50% → 3.25% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.25% | $1,000 | 13 months |
Learn More
|
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Rate History: 3.50% → 3.35% → 3.25% |
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3.20% | $500 | 17 months |
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Early withdrawal penalty is 180 days interest. |
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Citibank, National Association |
3.00% | $0 | 5 months |
Learn More
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Rate History: 2.90% → 2.00% → 4.00% → 3.50% → 3.00% |
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Lacenter Branch
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3.00% | $500 | 13 months |
Learn More
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Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00% |
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U.S. Bank National Association Madisonville Main Branch |
3.00% | $1,000 | 13 months |
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Rate History: 3.20% → 3.67% → 2.75% → 1.71% → 3.00% |
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3.00% | $10,000 | 23 months |
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Rate History: 3.75% → 3.00% → 2.75% → 2.50% → 3.00% |
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Bank of America, National Association |
2.95% | $10,000 | 10 months |
Learn More
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Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95% |
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2.90% | $0 | 11 months |
Learn More
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Rate History: 2.80% → 2.70% → 2.70% → 2.80% → 2.90% |
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Citibank, National Association |
2.75% | $0 | 6 months |
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Rate History: 3.50% → 4.00% → 2.00% → 2.50% → 2.75% |
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Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
Learn More
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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 |
Learn More
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Rate History: 3.75% → 2.75% |
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2.75% | $500 | 23 months |
Learn More
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Early withdrawal penalty is 180 days interest. |
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Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch |
2.75% | $5,000 | 24 months |
Learn More
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Rate History: 2.00% → 3.00% → 2.00% → 2.50% → 2.75% |
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PNC Bank, National Association Newport Branch |
2.60% | $1,000 | 61 months |
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Plantation Pointe Branch
|
2.50% | $1,000 | 5 months |
Learn More
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Rate History: 4.34% → 4.08% → 3.82% → 4.00% → 2.50% |
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U.S. Bank National Association Madisonville Main Branch |
2.50% | $1,000 | 25 months |
Learn More
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Rate History: 3.75% → 3.10% → 2.85% → 3.00% → 2.50% |
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PNC Bank, National Association Newport Branch |
2.40% | $1,000 | 37 months |
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JPMorgan Chase Bank, National Association Highland Baxter Branch |
2.25% | $100,000 | 6 months |
Learn More
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Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25% |
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PNC Bank, National Association Newport Branch |
2.20% | $1,000 | 25 months |
Learn More
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PNC Bank, National Association Newport Branch |
2.10% | $1,000 | 19 months |
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Citibank, National Association |
2.00% | $0 | 4 months |
Learn More
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Rate History: 3.75% → 2.25% → 3.00% → 2.00% |
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2.00% | $1,000 | 6 months |
Learn More
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Rate History: 4.55% → 3.45% → 2.50% → 2.25% → 2.00% |
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2.00% | $10,001 | 6 months |
Learn More
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Rate History: 2.75% → 3.51% → 3.45% → 3.51% → 2.00% |
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Bank of America, National Association |
2.00% | $10,000 | 13 months |
Learn More
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Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00% |
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PNC Bank, National Association Newport Branch |
1.90% | $1,000 | 9 months |
Learn More
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Rate History: 0.05% → 1.90% |
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Bank of America, National Association |
1.75% | $10,000 | 25 months |
Learn More
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The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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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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Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
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Rate History: 1.00% → 0.50% |
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Citibank, National Association |
0.05% | $0 | 3 months |
Learn More
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Rate History: 3.00% → 2.25% → 2.25% → 2.00% → 0.05% |
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0.05% | $1,000 | 9 months |
Learn More
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Rate History: 0.05% → 0.05% → 0.05% |
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Community Financial Services Bank Calvert City Banking Center Branch |
0.05% | $1,000 | 21 months |
Learn More
|
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Rate History: 1.00% → 3.25% → 3.00% → 0.05% |
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