Best Credit Union Savings and Money Market Rates in Kentucky, KY July 1, 2025

You are viewing savings rates from credit unions across Kentucky

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

KY - July 1, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
Fortera Fort Campbell Branch Restrictions	3.00% 1.75% 1.25%	$250,000 $100,000 $25,000	Learn More
Tracey Mayberry \| Feb 29, 2020 After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More Reviews (1)
Greenstate Restrictions	2.45% 2.25% 2.05% 1.85% 1.65% 1.45%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $2,500	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Heritage Restrictions	2.25% 1.75%	$750,000 $500,000	Learn More Add Review
Navy Federal Credit Union Navy Federal Credit Branch Restrictions	2.25% 2.05% 1.85% 1.65% 1.50% 1.10% 1.06% 0.95%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
General Electric General Electric Branch Restrictions	2.00%	$0	Learn More Add Review
Rate History: 3.00% → 2.00%
Abound Fort Knox Federal Credit Union Branch Restrictions	1.85%	$250,000	Learn More Add Review
Fortera Fort Campbell Branch Restrictions	1.50% 0.15% 0.10%	$0 $2,001 $50	Learn More
Tracey Mayberry \| Feb 29, 2020 After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More Reviews (1)
Abound Fort Knox Federal Credit Union Branch Restrictions	1.30% 1.00% 0.90% 0.75% 0.70%	$100,001 $50,001 $25,001 $10,001 $1,001	Learn More Add Review
Greenstate Restrictions	1.25% 0.05%	$100 $101	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Heritage Restrictions	1.25% 0.75% 0.30% 0.25% 0.20% 0.15% 0.10% 0.05%	$325,000 $250,000 $200,000 $25,000 $10,000 $1,000 $10,000 $100	Learn More Add Review
Park Community Credit Union, Inc. Fern Valley Rd Office Branch Restrictions	1.10% 1.00% 0.45% 0.35% 0.30%	$250,000 $50,000 $25,000 $10,000 $1,000	Learn More Add Review
Kemba Kemba Branch Restrictions	0.80%	$25,000	Learn More Add Review
Unify Financial Western Branch Restrictions	0.75% 0.70% 0.65% 0.60%	$100,000 $50,000 $10,000 $2,500	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
Delta Community Delta Community Branch Restrictions	0.75% 0.40% 0.30%	$100,000 $25,000 $1,000	Learn More Add Review
Rate History: 0.85% → 0.75%
Members Choice Members Choice Branch Restrictions	0.75%	$2,500	Learn More Add Review
Kemba Kemba Branch Restrictions	0.70%	$2,500	Learn More Add Review
Owensboro Owensboro Branch Restrictions	0.50%	$10,000	Learn More Add Review
Transcend Stonefield Square Branch Restrictions	0.50%	$25,000	Learn More Add Review
Morehead Community Morehead Community Branch Restrictions	0.50%	$25,000	Learn More Add Review
Fortera Fort Campbell Branch Restrictions	0.50% 0.40% 0.20%	$75,000 $25,000 $0	Learn More
Tracey Mayberry \| Feb 29, 2020 After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More Reviews (1)
Commonwealth Commonwealth Branch Restrictions	0.45%	$25,000	Learn More Add Review
Audubon Audubon Branch	0.45% 0.40% 0.35% 0.30%	$75,000 $50,000 $25,000 $10,000	Learn More
Cynthia Tong \| Sep 16, 2021 This is incorrect, Audubon has a $500. minimum balance. And if you check their website or facebook page, they run specials. As of 9-2021 the 24 month rate is 1.00% of course this is for a limited time. Read More Reviews (1)
Autotruck Financial Eastpoint Branch Restrictions	0.40%	$25,000	Learn More Add Review
L & N L & N Branch Restrictions	0.40%	$25,000	Learn More Add Review
Ashland Ashland Branch Restrictions	0.40%	$10,000	Learn More Add Review
Commonwealth Commonwealth Branch Restrictions	0.35%	$10,000	Learn More Add Review
Morehead Community Morehead Community Branch Restrictions	0.35%	$10,000	Learn More Add Review
University Of Kentucky University Of Kentuc Branch Restrictions	0.35%	$25,000	Learn More Add Review
Members Heritage Nicholasville Branch Restrictions	0.35%	$25,000	Learn More Add Review
Liberty Evansville Teachers Branch Restrictions	0.30% 0.20% 0.15%	$25,000 $10,000 $1,000	Learn More Add Review
C-plant C-plant Branch Restrictions	0.30%	$25,000	Learn More Add Review
Labor Management Labor Management Branch	0.30%	$2,500	Learn More Add Review
Ashland Ashland Branch Restrictions	0.30%	$2,500	Learn More Add Review
Kraftcor Kraftcor Branch	0.25%	$1	Learn More Add Review
Star Usa Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Signet Main Branch Restrictions	0.25%	$2,500	Learn More Add Review
C-plant C-plant Branch Restrictions	0.25%	$2,500	Learn More Add Review
Owensboro Owensboro Branch Restrictions	0.25%	$2,500	Learn More Add Review
Autotruck Financial Eastpoint Branch Restrictions	0.25%	$10,000	Learn More Add Review
Commonwealth Commonwealth Branch Restrictions	0.25%	$2,500	Learn More Add Review
Morehead Community Morehead Community Branch Restrictions	0.25%	$2,500	Learn More Add Review
Ashland Ashland Branch Restrictions	0.25%	$2,500	Learn More Add Review
Members Choice Members Choice Branch Restrictions	0.25%	$2,500	Learn More Add Review
Desco Desco Branch Restrictions	0.25%	$10,000	Learn More Add Review
University Of Kentucky University Of Kentuc Branch Restrictions	0.25%	$10,000	Learn More Add Review
Members Heritage Nicholasville Branch Restrictions	0.25%	$10,000	Learn More Add Review
Greater Kentucky Cu, Inc. Greater Kentucky Cu, Branch Restrictions	0.25%	$2,500	Learn More Add Review
Navy Federal Credit Union Navy Federal Credit Branch Restrictions	0.25%	$5	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Delta Community Delta Community Branch Restrictions	0.25%	$0	Learn More Add Review
Midwest America Midwest America Branch Restrictions	0.24%	$25,000	Learn More Add Review
Edu Restrictions	0.20%	$0	Learn More Add Review
Southeast Financial Southeast Financial Branch Restrictions	0.20%	$25,000	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.20%	$10,000	Learn More Add Review
Altra Altra Branch Restrictions	0.20%	$25,000	Learn More Add Review
Midwest America Midwest America Branch Restrictions	0.16%	$10,000	Learn More Add Review
Star Usa Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Hopkins County Teachers Hopkins County Teach Branch	0.15%	$2,500	Learn More Add Review
Daviess County Teachers Daviess County Teach Branch	0.15%	$25,000	Learn More Add Review
Audubon Audubon Branch	0.15%	$5	Learn More
Cynthia Tong \| Sep 16, 2021 This is incorrect, Audubon has a $500. minimum balance. And if you check their website or facebook page, they run specials. As of 9-2021 the 24 month rate is 1.00% of course this is for a limited time. Read More Reviews (1)
Southeast Financial Southeast Financial Branch Restrictions	0.15%	$10,000	Learn More Add Review
Autotruck Financial Eastpoint Branch Restrictions	0.15%	$2,500	Learn More Add Review
Park Community Credit Union, Inc. Fern Valley Rd Office Branch Restrictions	0.15%	$0	Learn More Add Review
Commonwealth Commonwealth Branch Restrictions	0.15%	$2,500	Learn More Add Review
Cove Semc Branch Restrictions	0.15%	$2,500	Learn More
Andrew Larison \| Feb 26, 2022 We will be closing our accounts with Cove Federal Credit Union and will bank elsewhere. What the employees at the 577 Dudley Rd location don’t seem to understand is that banks are a dime a dozen, my gir... Read More Reviews (1)
University Of Kentucky University Of Kentuc Branch Restrictions	0.15%	$1,000	Learn More Add Review
Members Heritage Nicholasville Branch Restrictions	0.15%	$2,500	Learn More Add Review
Greater Kentucky Cu, Inc. Greater Kentucky Cu, Branch Restrictions	0.15%	$2,500	Learn More Add Review
Appalachian Community Mckee Branch Restrictions	0.15%	$25,000	Learn More Add Review
Daviess County Teachers Daviess County Teach Branch	0.12%	$10,000	Learn More Add Review
Service One Service One Branch Restrictions	0.11%	$2,500	Learn More Add Review
University Of Kentucky University Of Kentuc Branch Restrictions	0.10%	$100	Learn More Add Review
Star Usa Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Unify Financial Western Branch Restrictions	0.10%	$5	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
C-plant C-plant Branch Restrictions	0.10%	$2,500	Learn More Add Review
Owensboro Owensboro Branch Restrictions	0.10%	$2,500	Learn More Add Review
Green River Area Green River Area Branch	0.10%	$2,500	Learn More Add Review
Transcend Stonefield Square Branch Restrictions	0.10%	$25,000	Learn More Add Review
Muhlenberg Community Hospital Muhlenberg Community Branch	0.10%	$2,500	Learn More Add Review
Midwest America Midwest America Branch Restrictions	0.10%	$2,500	Learn More Add Review
Southeast Financial Southeast Financial Branch Restrictions	0.10%	$2,500	Learn More Add Review
Autotruck Financial Eastpoint Branch Restrictions	0.10%	$2,500	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.10%	$2,500	Learn More Add Review
The Health & Education The Health & Educati Branch Restrictions	0.10%	$2,500	Learn More Add Review
Altra Altra Branch Restrictions	0.10%	$2,500	Learn More Add Review
Appalachian Community Mckee Branch Restrictions	0.10%	$2,500	Learn More Add Review
Star Usa Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Daviess County Teachers Daviess County Teach Branch	0.05%	$2,500	Learn More Add Review
Transcend Stonefield Square Branch Restrictions	0.05%	$2,500	Learn More Add Review
Southeast Financial Southeast Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
Abound Fort Knox Federal Credit Union Branch Restrictions	0.05%	$100	Learn More Add Review
L & N L & N Branch Restrictions	0.05%	$2,500	Learn More Add Review
Kemba Kemba Branch Restrictions	0.05%	$2,500	Learn More Add Review
Desco Desco Branch Restrictions	0.05%	$2,500	Learn More Add Review
Members Heritage Nicholasville Branch Restrictions	0.05%	$2,500	Learn More Add Review
Altra Altra Branch Restrictions	0.05%	$2,500	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.03%	$2,500	Learn More Add Review
Edu Restrictions	0.01%	$1	Learn More Add Review
General Electric General Electric Branch Restrictions	0.01%	$5	Learn More Add Review
Rate History: 0.05% → 0.01%
Liberty Evansville Teachers Branch Restrictions	0.01%	$200	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

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Branches Info across Kentucky

Branch	Street	City	State
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
GENERAL ELECTRIC General Electric General Electric Branch	3050 Nebo Road	Madisonville	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
ABOUND Fort Knox Federal Credit Union Fort Knox Federal Credit Union Branch	3939 South Dixie HWY	Radcliff	KY
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
ABOUND Fort Knox Federal Credit Union Fort Knox Federal Credit Union Branch	3939 South Dixie HWY	Radcliff	KY
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
PARK COMMUNITY CREDIT UNION, INC. Fern Valley Rd Office Fern Valley Rd Office Branch	6101 Fern Valley Rd	Louisville	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
PARK COMMUNITY CREDIT UNION, INC. Fern Valley Rd Office Fern Valley Rd Office Branch	6101 Fern Valley Rd	Louisville	KY
ABOUND Fort Knox Federal Credit Union Fort Knox Federal Credit Union Branch	3939 South Dixie HWY	Radcliff	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
ABOUND Fort Knox Federal Credit Union Fort Knox Federal Credit Union Branch	3939 South Dixie HWY	Radcliff	KY
KEMBA Kemba Kemba Branch	8880 Bankers St	Florence	KY
UNIFY FINANCIAL Western Western Branch	Toyota Motor Manufacturing, 25 Atlantic Ave	Erlanger	KY
ABOUND Fort Knox Federal Credit Union Fort Knox Federal Credit Union Branch	3939 South Dixie HWY	Radcliff	KY
DELTA COMMUNITY Delta Community Delta Community Branch	4885 Houston Road, Sibcy Cline Building, Suite 102	Florence	KY
MEMBERS CHOICE Members Choice Members Choice Branch	145 RUSSELL RD	ASHLAND	KY
ABOUND Fort Knox Federal Credit Union Fort Knox Federal Credit Union Branch	3939 South Dixie HWY	Radcliff	KY
KEMBA Kemba Kemba Branch	8880 Bankers St	Florence	KY
UNIFY FINANCIAL Western Western Branch	Toyota Motor Manufacturing, 25 Atlantic Ave	Erlanger	KY
UNIFY FINANCIAL Western Western Branch	Toyota Motor Manufacturing, 25 Atlantic Ave	Erlanger	KY
UNIFY FINANCIAL Western Western Branch	Toyota Motor Manufacturing, 25 Atlantic Ave	Erlanger	KY
OWENSBORO Owensboro Owensboro Branch	717 Harvard Drive	Owensboro	KY
TRANSCEND Stonefield Square Stonefield Square Branch	10486 Shelbyville Rd	Louisville	KY
MOREHEAD COMMUNITY Morehead Community Morehead Community Branch	503 West Main St.	Morehead	KY
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
PARK COMMUNITY CREDIT UNION, INC. Fern Valley Rd Office Fern Valley Rd Office Branch	6101 Fern Valley Rd	Louisville	KY
COMMONWEALTH Commonwealth Commonwealth Branch	417 High Street	Frankfort	KY
AUDUBON Audubon Audubon Branch	1429 Breckenridge Street	Owensboro	KY
AUTOTRUCK FINANCIAL Eastpoint Eastpoint Branch	13210 Obannon Station Way	Louisville	KY
L & N L & N L & N Branch	9265 SMYRNA PARKWAY	LOUISVILLE	KY
ASHLAND Ashland Ashland Branch	1300 CENTRAL AVENUE	ASHLAND	KY
AUDUBON Audubon Audubon Branch	1429 Breckenridge Street	Owensboro	KY
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
DELTA COMMUNITY Delta Community Delta Community Branch	4885 Houston Road, Sibcy Cline Building, Suite 102	Florence	KY
AUDUBON Audubon Audubon Branch	1429 Breckenridge Street	Owensboro	KY
PARK COMMUNITY CREDIT UNION, INC. Fern Valley Rd Office Fern Valley Rd Office Branch	6101 Fern Valley Rd	Louisville	KY
COMMONWEALTH Commonwealth Commonwealth Branch	417 High Street	Frankfort	KY
MOREHEAD COMMUNITY Morehead Community Morehead Community Branch	503 West Main St.	Morehead	KY
UNIVERSITY OF KENTUCKY University Of Kentuc University Of Kentuc Branch	2557 Sir Barton Way	Lexington	KY
MEMBERS HERITAGE Nicholasville Branch Nicholasville Branch	1039 N Main St	Nicholasville	KY
LIBERTY Evansville Teachers Evansville Teachers Branch	1195 Barrett Boulevard	Henderson	KY
C-PLANT C-plant C-plant Branch	118 Bleich Road	Paducah	KY
AUDUBON Audubon Audubon Branch	1429 Breckenridge Street	Owensboro	KY
LABOR MANAGEMENT Labor Management Labor Management Branch	679 ST RT 1957	LEWISPORT	KY
PARK COMMUNITY CREDIT UNION, INC. Fern Valley Rd Office Fern Valley Rd Office Branch	6101 Fern Valley Rd	Louisville	KY
ASHLAND Ashland Ashland Branch	1300 CENTRAL AVENUE	ASHLAND	KY
DELTA COMMUNITY Delta Community Delta Community Branch	4885 Houston Road, Sibcy Cline Building, Suite 102	Florence	KY
KRAFTCOR Kraftcor Kraftcor Branch	2960 Squirrel Tail Hollow Rd	Hawesville	KY
SIGNET Main Main Branch	1600 Clark St	Paducah	KY
C-PLANT C-plant C-plant Branch	118 Bleich Road	Paducah	KY
OWENSBORO Owensboro Owensboro Branch	717 Harvard Drive	Owensboro	KY
AUTOTRUCK FINANCIAL Eastpoint Eastpoint Branch	13210 Obannon Station Way	Louisville	KY
COMMONWEALTH Commonwealth Commonwealth Branch	417 High Street	Frankfort	KY
MOREHEAD COMMUNITY Morehead Community Morehead Community Branch	503 West Main St.	Morehead	KY
ASHLAND Ashland Ashland Branch	1300 CENTRAL AVENUE	ASHLAND	KY
MEMBERS CHOICE Members Choice Members Choice Branch	145 RUSSELL RD	ASHLAND	KY
DESCO Desco Desco Branch	455 Armco Rd	Ashland	KY
UNIVERSITY OF KENTUCKY University Of Kentuc University Of Kentuc Branch	2557 Sir Barton Way	Lexington	KY
MEMBERS HERITAGE Nicholasville Branch Nicholasville Branch	1039 N Main St	Nicholasville	KY
GREATER KENTUCKY CU, INC. Greater Kentucky Cu, Greater Kentucky Cu, Branch	1001 RED MILE ROAD	LEXINGTON	KY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Oak Grove Shopping Center, 208 Segler Road	Oak Grove	KY
DELTA COMMUNITY Delta Community Delta Community Branch	4885 Houston Road, Sibcy Cline Building, Suite 102	Florence	KY
MIDWEST AMERICA Midwest America Midwest America Branch	120 Griffin Bell Drive	Hopkinsville	KY
LIBERTY Evansville Teachers Evansville Teachers Branch	1195 Barrett Boulevard	Henderson	KY
SOUTHEAST FINANCIAL Southeast Financial Southeast Financial Branch	1207 Ashley Circle	Bowling Green	KY
PARTNERS 1ST Partners 1st Partners 1st Branch	690 W. College Avenue	Stanton	KY
ALTRA Altra Altra Branch	1515 Mercer Road	Lexington	KY
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
MIDWEST AMERICA Midwest America Midwest America Branch	120 Griffin Bell Drive	Hopkinsville	KY
LIBERTY Evansville Teachers Evansville Teachers Branch	1195 Barrett Boulevard	Henderson	KY
HOPKINS COUNTY TEACHERS Hopkins County Teach Hopkins County Teach Branch	320 South Seminary Street	Madisonville	KY
DAVIESS COUNTY TEACHERS Daviess County Teach Daviess County Teach Branch	1900 Southeastern Pkwy	Owensboro	KY
AUDUBON Audubon Audubon Branch	1429 Breckenridge Street	Owensboro	KY
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
SOUTHEAST FINANCIAL Southeast Financial Southeast Financial Branch	1207 Ashley Circle	Bowling Green	KY
AUTOTRUCK FINANCIAL Eastpoint Eastpoint Branch	13210 Obannon Station Way	Louisville	KY
PARK COMMUNITY CREDIT UNION, INC. Fern Valley Rd Office Fern Valley Rd Office Branch	6101 Fern Valley Rd	Louisville	KY
COMMONWEALTH Commonwealth Commonwealth Branch	417 High Street	Frankfort	KY
COVE Semc Semc Branch	577 DUDLEY ROAD	EDGEWOOD	KY
UNIVERSITY OF KENTUCKY University Of Kentuc University Of Kentuc Branch	2557 Sir Barton Way	Lexington	KY
MEMBERS HERITAGE Nicholasville Branch Nicholasville Branch	1039 N Main St	Nicholasville	KY
GREATER KENTUCKY CU, INC. Greater Kentucky Cu, Greater Kentucky Cu, Branch	1001 RED MILE ROAD	LEXINGTON	KY
APPALACHIAN COMMUNITY Mckee Mckee Branch	417 Main St N	Mc Kee	KY
DAVIESS COUNTY TEACHERS Daviess County Teach Daviess County Teach Branch	1900 Southeastern Pkwy	Owensboro	KY
SERVICE ONE Service One Service One Branch	1609 Campbell Ln	Bowling Green	KY
UNIVERSITY OF KENTUCKY University Of Kentuc University Of Kentuc Branch	2557 Sir Barton Way	Lexington	KY
UNIFY FINANCIAL Western Western Branch	Toyota Motor Manufacturing, 25 Atlantic Ave	Erlanger	KY
C-PLANT C-plant C-plant Branch	118 Bleich Road	Paducah	KY
OWENSBORO Owensboro Owensboro Branch	717 Harvard Drive	Owensboro	KY
GREEN RIVER AREA Green River Area Green River Area Branch	3000 EAST FOURTH STREET	OWENSBORO	KY
TRANSCEND Stonefield Square Stonefield Square Branch	10486 Shelbyville Rd	Louisville	KY
FORTERA Fort Campbell Fort Campbell Branch	Bldg. 88 Michigan Avenue	Fort Campbell	KY
MUHLENBERG COMMUNITY HOSPITAL Muhlenberg Community Muhlenberg Community Branch	440 HOPKINSVILLE STREET	GREENVILLE	KY
MIDWEST AMERICA Midwest America Midwest America Branch	120 Griffin Bell Drive	Hopkinsville	KY
SOUTHEAST FINANCIAL Southeast Financial Southeast Financial Branch	1207 Ashley Circle	Bowling Green	KY
AUTOTRUCK FINANCIAL Eastpoint Eastpoint Branch	13210 Obannon Station Way	Louisville	KY
PARTNERS 1ST Partners 1st Partners 1st Branch	690 W. College Avenue	Stanton	KY
THE HEALTH & EDUCATION The Health & Educati The Health & Educati Branch	424 Park Place	Lexington	KY
ALTRA Altra Altra Branch	1515 Mercer Road	Lexington	KY
APPALACHIAN COMMUNITY Mckee Mckee Branch	417 Main St N	Mc Kee	KY
DAVIESS COUNTY TEACHERS Daviess County Teach Daviess County Teach Branch	1900 Southeastern Pkwy	Owensboro	KY
TRANSCEND Stonefield Square Stonefield Square Branch	10486 Shelbyville Rd	Louisville	KY
SOUTHEAST FINANCIAL Southeast Financial Southeast Financial Branch	1207 Ashley Circle	Bowling Green	KY
ABOUND Fort Knox Federal Credit Union Fort Knox Federal Credit Union Branch	3939 South Dixie HWY	Radcliff	KY
L & N L & N L & N Branch	9265 SMYRNA PARKWAY	LOUISVILLE	KY
KEMBA Kemba Kemba Branch	8880 Bankers St	Florence	KY
DESCO Desco Desco Branch	455 Armco Rd	Ashland	KY
MEMBERS HERITAGE Nicholasville Branch Nicholasville Branch	1039 N Main St	Nicholasville	KY
ALTRA Altra Altra Branch	1515 Mercer Road	Lexington	KY
PARTNERS 1ST Partners 1st Partners 1st Branch	690 W. College Avenue	Stanton	KY
GENERAL ELECTRIC General Electric General Electric Branch	3050 Nebo Road	Madisonville	KY
LIBERTY Evansville Teachers Evansville Teachers Branch	1195 Barrett Boulevard	Henderson	KY

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

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

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

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.