Best Local Bank Savings and Money Market Rates in Kentucky, KY July 5, 2025

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If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

KY - July 5, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Citibank, National Association	4.35% 0.20%	$0 $1	Learn More
Promotional rate for 3 months up to $11,000. Requires $25,000 in new deposits within 10 days of registration. After 3 month promotional period, rate reverts to between 0.03% and 0.12%. Rate History: 5.00% → 4.75% → 5.00% → 4.50% → 4.35%
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 (22)
Banesco Usa	4.25%	$300	Learn More
Rate History: 4.50% → 4.40% → 4.25% → 4.00% → 4.25%
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)
American Bank & Trust Company, Inc. Louisville Road Branch	4.15% 2.65% 2.35%	$300,000 $50,000 $2,500	Learn More Add Review
North American Savings Bank	4.10%	$10,000	Learn More
Rate History: 4.90% → 4.75% → 4.55% → 4.20% → 4.10%
A Terkowitz \| Feb 15, 2024 I have always had great experiences with short-term CDs from this bank. No delays. Read More Reviews (3)
Banesco Usa	4.00%	$300	Learn More
Rate History: 1.35% → 5.25% → 4.75% → 4.50% → 4.00%
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)
The Huntington National Bank Plantation Pointe Branch	3.92%	$25,000	Learn More
Rate History: 4.70% → 4.18% → 3.92%
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Citizens Bank, National Association Ashland Ky Lpo Branch	3.70%	$0	Learn More
Rate History: 4.50% → 4.15% → 3.90% → 3.70%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
Td Bank, National Association	3.70% 2.25%	$100,000 $50,000	Learn More
Rate History: 4.00% → 3.70%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Truist Bank Crittenden Branch	3.66% 0.01%	$0 $1	Learn More
Rate History: 4.00% → 3.65% → 3.66%
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)
Capital One, National Association	3.60%	$1	Learn More
Rate History: 4.10% → 4.00% → 3.90% → 3.80% → 3.60%
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 (16)
Regions Bank Lacenter Branch	3.50% 1.50%	$10,000 $0	Learn More Add Review
U.s. Bank National Association Madisonville Main Branch	3.50% 0.05%	$25,000 $1	Learn More
Rate History: 4.10% → 3.50%
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 (6)
Gateway First Bank	3.40%	$1,000	Learn More
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)
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	3.25% 2.25% 1.75% 1.25% 0.35%	$500,000 $250,000 $100,000 $1 $0	Learn More
Rate History: 4.00% → 3.75% → 3.50% → 3.25%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Citizens Bank, National Association Ashland Ky Lpo Branch	3.00% 2.75%	$250,000 $25,000	Learn More
Rate History: 1.00% → 3.00%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
Bank Of Whittier, National Association	2.60%	$250	Learn More Add Review
Capital One, National Association	2.50%	$1	Learn More
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 (16)
M.y. Safra Bank, Fsb	2.00%	$5,000	Learn More
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Gateway First Bank	1.50%	$10	Learn More
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)
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	1.49%	$5,000	Learn More Add Review
Rate History: 0.10% → 1.49%
Community Financial Services Bank Calvert City Banking Center Branch	1.23% 0.10%	$50,000 $10,000	Learn More Add Review
Rate History: 1.29% → 1.32% → 1.26% → 1.25% → 1.23%
Usaa Federal Savings Bank	1.10% 0.01%	$500,000 $1	Learn More
Rate History: 1.50% → 1.45% → 1.10%
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)
Wells Fargo Bank, National Association	1.01% 0.01%	$100,000 $1	Learn More
Rate History: 1.01% → 1.02% → 1.01%
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)
American Bank & Trust Company, Inc. Louisville Road Branch	1.00%	$100	Learn More Add Review
Rate History: 0.50% → 1.00%
River City Bank, Inc. Greenwood Road Branch	0.80%	$2,500	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)
The Monticello Banking Company Village Center Branch	0.50%	$2,501	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)
Citizens Federal Savings And Loan Association Citizens Federal Savings And Loan As Branch	0.50%	$2,500	Learn More Add Review
Bank Of Hindman Bank Of Hindman Branch	0.50%	$2,500	Learn More Add Review
First Federal Savings And Loan Association First Federal Savings And Loan Assoc Branch	0.50%	$2,500	Learn More Add Review
Clinton Bank Clinton Bank Branch	0.47%	$10,000	Learn More Add Review
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	0.40% 0.25%	$10,000 $0	Learn More
Rate History: 1.00% → 0.50% → 0.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
The Murray Bank 700 B North 12th Street Branch	0.40%	$25,000	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	0.40%	$25,000	Learn More Add Review
Bank Of Hindman Bank Of Hindman Branch	0.40%	$2,500	Learn More Add Review
Security Bank And Trust Company Fulton Bank Branch	0.38%	$10,000	Learn More Add Review
Clinton Bank Clinton Bank Branch	0.37%	$2,500	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	0.35%	$2,500	Learn More Add Review
Firstbank	0.35%	$10,000	Learn More Add Review
West Point Bank West Point Branch	0.35%	$2,500	Learn More Add Review
Meade County Bank River Ridge Shopping Center Branch	0.35%	$25,000	Learn More Add Review
Bank Of Buffalo Bank Of Buffalo Branch	0.35%	$2,500	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.35%	$2,500	Learn More Add Review
1st Trust Bank, Inc. London Shopping Center Branch	0.35%	$2,500	Learn More Add Review
The Murray Bank 700 B North 12th Street Branch	0.30%	$10,000	Learn More Add Review
Field & Main Bank Field & Main Bank Branch	0.30%	$2,500	Learn More Add Review
Bank Of Edmonson County Boec Branch Office Branch	0.30%	$25,000	Learn More Add Review
First National Bank Of Kentucky First National Bank Of Kentucky Branch	0.30%	$25,000	Learn More Add Review
The Commercial Bank Of Grayson Olive Hill Branch	0.30%	$25,000	Learn More Add Review
Home Federal Bank Corporation Village Center Branch	0.30%	$25,000	Learn More Add Review
Keybank National Association	0.25%	$5,000	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	0.25%	$25,000	Learn More
Rate History: 4.25% → 4.16% → 4.25% → 3.75% → 0.25%
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 (6)
Taylor County Bank Taylor County Bank Branch	0.25%	$25,000	Learn More Add Review
First Community Bank Of The Heartland, Inc. Kevil Banking Center Branch	0.25%	$1,500	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	0.25%	$2,500	Learn More Add Review
Independence Bank Of Kentucky Highway 54 Branch	0.25%	$25,000	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)
The Sacramento Deposit Bank Caneyville Branch	0.25%	$25,000	Learn More Add Review
Bank Of Edmonson County Boec Branch Office Branch	0.25%	$2,500	Learn More Add Review
Bank Of Clarkson Main Street Leitchfield Branch	0.25%	$10,000	Learn More Add Review
Meade County Bank River Ridge Shopping Center Branch	0.25%	$10,000	Learn More Add Review
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	0.25%	$2,500	Learn More Add Review
First National Bank Of Kentucky First National Bank Of Kentucky Branch	0.25%	$10,000	Learn More Add Review
First Federal Savings Bank Of Kentucky Danville Br Branch	0.25%	$2,500	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)
Bank Of Columbia Jamestown Street Branch	0.25%	$2,500	Learn More Add Review
Citizens Bank & Trust Company Main Street Branch	0.25%	$2,500	Learn More Add Review
United Citizens Bank Of Southern Kentucky United Citizens Bank Of Southern Ken Branch	0.25%	$2,500	Learn More Add Review
The First National Bank Of Russell Springs Downtown Branch	0.25%	$2,500	Learn More Add Review
Bank Of Jamestown Russell Springs Branch	0.25%	$2,500	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
Citizens Bank Brodhead Branch	0.25%	$2,500	Learn More Add Review
First State Bank Of The Southeast, Inc Harlan Road Branch	0.25%	$2,500	Learn More Add Review
1st Trust Bank, Inc. London Shopping Center Branch	0.25%	$2,500	Learn More Add Review
Hyden Citizens Bank Wooton Branch	0.25%	$25,000	Learn More Add Review
First National Bank In Frankfort	0.20%	$0	Learn More Add Review
Taylor County Bank Taylor County Bank Branch	0.20%	$1	Learn More Add Review
The Farmers Bank Wilmore Branch	0.20%	$50	Learn More Add Review
The Murray Bank 700 B North 12th Street Branch	0.20%	$1	Learn More Add Review
Independence Bank Of Kentucky Highway 54 Branch	0.20%	$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)
First United Bank And Trust Company First United Bank And Trust Company Branch	0.20%	$10,000	Learn More Add Review
The Sacramento Deposit Bank Caneyville Branch	0.20%	$2,500	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.20%	$2,500	Learn More Add Review
Bank Of Edmonson County Boec Branch Office Branch	0.20%	$2,500	Learn More Add Review
Meade County Bank River Ridge Shopping Center Branch	0.20%	$2,500	Learn More Add Review
Home Savings Bank, Fsb Home Savings Bank, Fsb Branch	0.20%	$2,500	Learn More Add Review
The Commercial Bank Of Grayson Olive Hill Branch	0.20%	$2,500	Learn More Add Review
The Citizens National Bank Of Lebanon The Citizens National Bank Of Lebano Branch	0.20%	$25,000	Learn More Add Review
Citizens Bank & Trust Company Main Street Branch	0.20%	$10,000	Learn More Add Review
Citizens Bank Brodhead Branch	0.20%	$25,000	Learn More Add Review
Bank Of Lexington, Inc. Tates Creek Branch	0.20%	$25,000	Learn More Add Review
The First National Bank Of Manchester The First National Bank Of Manchester Branch	0.20%	$25,000	Learn More Add Review
Home Federal Bank Corporation Village Center Branch	0.20%	$10,000	Learn More Add Review
Hyden Citizens Bank Wooton Branch	0.20%	$10,000	Learn More Add Review
The First National Bank Of Williamson The First National Bank Of Williamso Branch	0.20%	$25,000	Learn More Add Review
The Citizens National Bank Of Lebanon The Citizens National Bank Of Lebano Branch	0.18%	$2,500	Learn More Add Review
Whitaker Bank Franklin Square Branch	0.17%	$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)
Clinton Bank Clinton Bank Branch	0.16%	$2,500	Learn More Add Review
The Farmers Bank Of Milton The Farmers Bank Of Milton Branch	0.15%	$50	Learn More Add Review
Taylor County Bank Taylor County Bank Branch	0.15%	$1	Learn More Add Review
The Farmers Bank Wilmore Branch	0.15%	$2,500	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.15%	$1	Learn More Add Review
The Farmers National Bank Of Lebanon Campbellsville Highway Branch	0.15%	$25,000	Learn More Add Review
Lewisburg Banking Company Russellville Branch	0.15%	$1	Learn More
kateast \| Jun 7, 2018 Friendly people; good place to do business. Read More Reviews (1)
Heritage Bank, Inc. North Branch	0.15%	$25,000	Learn More Add Review
Independence Bank Of Kentucky Highway 54 Branch	0.15%	$2,500	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)
United Community Bank Of West Kentucky, Inc. Clay Branch	0.15%	$25,000	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)
Commonwealth Community Bank, Inc. Centertown Branch	0.15%	$2,500	Learn More Add Review
Franklin Bank & Trust Company South Branch	0.15%	$2,500	Learn More Add Review
Auburn Banking Company Auburn Banking Company Branch	0.15%	$25,000	Learn More Add Review
First State Bank Rough River Branch	0.15%	$2,500	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.15%	$2,500	Learn More Add Review
Town & Country Bank And Trust Company West John Rowan Boulevard Branch	0.15%	$25,000	Learn More Add Review
Armed Forces Bank, National Association Community Center Branch	0.15%	$25,000	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
River City Bank, Inc. Greenwood Road Branch	0.15%	$2,500	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)
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	0.15%	$2,500	Learn More Add Review
First National Bank Of Kentucky First National Bank Of Kentucky Branch	0.15%	$2,500	Learn More Add Review
The Peoples Bank Elk Creek Branch	0.15%	$25,000	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank Florence Branch	0.15%	$2,500	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Whitaker Bank Franklin Square Branch	0.15%	$2,500	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)
First Federal Savings Bank Of Kentucky Danville Br Branch	0.15%	$25,000	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)
Security Bank And Trust Co. U.S. 68 Branch	0.15%	$2,500	Learn More Add Review
Peoples Bank Of Kentucky, Inc. Hillsboro Branch	0.15%	$25,000	Learn More Add Review
The First National Bank Of Brooksville Drive-Thru Branch	0.15%	$2,500	Learn More Add Review
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	0.15%	$25,000	Learn More Add Review
The First National Bank Of Grayson Sandy Hook Branch	0.15%	$25,000	Learn More Add Review
Citizens Bank Of Kentucky, Inc. Winchester Branch	0.15%	$25,000	Learn More Add Review
Kentucky Farmers Bank Corporation Suburban Branch	0.15%	$2,500	Learn More Add Review
Springfield State Bank Willisburg Branch	0.15%	$2,500	Learn More Add Review
Bank Of Columbia Jamestown Street Branch	0.15%	$2,500	Learn More Add Review
Citizens Bank & Trust Company Main Street Branch	0.15%	$2,500	Learn More Add Review
United Cumberland Bank Pine Knot Branch	0.15%	$25,000	Learn More Add Review
The First National Bank Of Russell Springs Downtown Branch	0.15%	$10,000	Learn More Add Review
Citizens Bank Brodhead Branch	0.15%	$10,000	Learn More Add Review
Bank Of Lexington, Inc. Tates Creek Branch	0.15%	$2,500	Learn More Add Review
Jackson County Bank Sandgap Branch	0.15%	$2,500	Learn More Add Review
Commercial Bank Union Plaza Branch	0.15%	$25,000	Learn More Add Review
The First National Bank Of Manchester The First National Bank Of Manchester Branch	0.15%	$2,500	Learn More Add Review
Citizens Bank & Trust Co. Of Jackson Citizens Bank & Trust Co. Of Jackson Branch	0.15%	$2,500	Learn More Add Review
First Community Bank Of The Heartland, Inc. Kevil Banking Center Branch	0.14%	$50	Learn More Add Review
Security Bank And Trust Company Fulton Bank Branch	0.14%	$2,500	Learn More Add Review
United Community Bank Of West Kentucky, Inc. Clay Branch	0.13%	$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)
First Federal Savings And Loan Association First Federal Savings And Loan Assoc Branch	0.13%	$5	Learn More Add Review
Auburn Banking Company Auburn Banking Company Branch	0.12%	$10,000	Learn More Add Review
Peoples Bank Of Kentucky, Inc. Hillsboro Branch	0.12%	$10,000	Learn More Add Review
United Cumberland Bank Pine Knot Branch	0.12%	$10,000	Learn More Add Review
Farmers & Traders Bank Of Campton Farmers & Traders Bank Of Campton Branch	0.12%	$25,000	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	0.10%	$0	Learn More Add Review
Rate History: 2.02% → 0.10%
Century Bank Of Kentucky, Inc. Century Bank Of Kentucky, Inc. Branch	0.10%	$2,500	Learn More Add Review
The Citizens National Bank Of Somerset Plaza Branch	0.10%	$25	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)
Magnolia Bank Hodgenville Branch	0.10%	$1	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
The Murray Bank 700 B North 12th Street Branch	0.10%	$50	Learn More Add Review
Fnb Bank, Inc. Wingo Branch	0.10%	$1	Learn More Add Review
Heritage Bank, Inc. North Branch	0.10%	$10,000	Learn More Add Review
Taylor County Bank Taylor County Bank Branch	0.10%	$1	Learn More Add Review
The Farmers National Bank Of Lebanon Campbellsville Highway Branch	0.10%	$1	Learn More Add Review
The Monticello Banking Company Village Center Branch	0.10%	$50	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)
First Financial Bank, National Association	0.10%	$25,000	Learn More Add Review
First Kentucky Bank, Inc. Cunningham Branch	0.10%	$2,500	Learn More Add Review
Independence Bank Of Kentucky Highway 54 Branch	0.10%	$2,500	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)
Fredonia Valley Bank Fredonia Valley Bank Branch	0.10%	$2,500	Learn More Add Review
United Community Bank Of West Kentucky, Inc. Clay Branch	0.10%	$2,500	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)
The Sacramento Deposit Bank Caneyville Branch	0.10%	$2,500	Learn More Add Review
Field & Main Bank Field & Main Bank Branch	0.10%	$2,500	Learn More Add Review
Franklin Bank & Trust Company South Branch	0.10%	$2,500	Learn More Add Review
Auburn Banking Company Auburn Banking Company Branch	0.10%	$2,500	Learn More Add Review
Firstbank	0.10%	$25,000	Learn More Add Review
Forcht Bank, National Association Grant - Crittenden Branch	0.10%	$10,000	Learn More Add Review
First State Bank Rough River Branch	0.10%	$2,500	Learn More Add Review
Bank Of Clarkson Main Street Leitchfield Branch	0.10%	$2,500	Learn More Add Review
South Central Bank, Inc. Dixie Hwy Branch	0.10%	$2,500	Learn More Add Review
Wesbanco Bank, Inc. Riverfront Plaza Branch	0.10%	$2,500	Learn More Add Review
Meade County Bank River Ridge Shopping Center Branch	0.10%	$2,500	Learn More Add Review
Armed Forces Bank, National Association Community Center Branch	0.10%	$2,500	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
First Financial Bank Burlington Branch	0.10%	$25,000	Learn More Add Review
Veritex Community Bank	0.10%	$2,500	Learn More Add Review
Bedford Loan & Deposit Bank Pendleton Branch	0.10%	$25,000	Learn More Add Review
The Peoples Bank Elk Creek Branch	0.10%	$10,000	Learn More Add Review
Whitaker Bank Franklin Square Branch	0.10%	$2,500	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)
First Federal Savings Bank Of Kentucky Danville Br Branch	0.10%	$2,500	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)
Security Bank And Trust Co. U.S. 68 Branch	0.10%	$2,500	Learn More Add Review
Peoples Bank Of Kentucky, Inc. Hillsboro Branch	0.10%	$2,500	Learn More Add Review
The First National Bank Of Brooksville Drive-Thru Branch	0.10%	$2,500	Learn More Add Review
Traditional Bank, Inc. Jeffersonville Branch	0.10%	$2,500	Learn More Add Review
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	0.10%	$2,500	Learn More Add Review
First & Peoples Bank And Trust Company Ashland Plaza Branch	0.10%	$2,500	Learn More Add Review
The First National Bank Of Grayson Sandy Hook Branch	0.10%	$2,500	Learn More Add Review
The Commercial Bank Of Grayson Olive Hill Branch	0.10%	$2,500	Learn More Add Review
The Casey County Bank, Inc. Drive-In Branch	0.10%	$2,500	Learn More Add Review
Peoples Bank Peoples Bank Branch	0.10%	$2,500	Learn More Add Review
First & Farmers National Bank, Inc. Nancy Branch	0.10%	$2,500	Learn More Add Review
United Citizens Bank Of Southern Kentucky United Citizens Bank Of Southern Ken Branch	0.10%	$10,000	Learn More Add Review
United Cumberland Bank Pine Knot Branch	0.10%	$2,500	Learn More Add Review
The First National Bank Of Russell Springs Downtown Branch	0.10%	$2,500	Learn More Add Review
Bank Of Jamestown Russell Springs Branch	0.10%	$2,500	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
Citizens Bank Brodhead Branch	0.10%	$2,500	Learn More Add Review
First State Bank Of The Southeast, Inc Harlan Road Branch	0.10%	$2,500	Learn More Add Review
Citizens Guaranty Bank Four Mile Branch	0.10%	$2,500	Learn More Add Review
Commercial Bank Union Plaza Branch	0.10%	$2,500	Learn More Add Review
Hyden Citizens Bank Wooton Branch	0.10%	$2,500	Learn More Add Review
Peoples Bank & Trust Company Of Hazard Airport Gardens Branch	0.10%	$2,500	Learn More
Jc \| Aug 5, 2021 This bank is terrible never allow them to keep your money Read More Reviews (1)
The First National Bank Of Williamson The First National Bank Of Williamso Branch	0.10%	$2,500	Learn More Add Review
The Farmers National Bank Of Danville Harrodsburg Branch	0.09%	$25,000	Learn More Add Review
Hometown Bank Of Corbin, Inc. Master Street Branch	0.09%	$25,000	Learn More Add Review
Farmers & Traders Bank Of Campton Farmers & Traders Bank Of Campton Branch	0.09%	$10,000	Learn More Add Review
The Paducah Bank And Trust Company The Paducah Bank And Trust Company Branch	0.08%	$25,000	Learn More Add Review
Bedford Loan & Deposit Bank Pendleton Branch	0.08%	$10,000	Learn More Add Review
The Lincoln National Bank Of Hodgenville Bloomfield Rd Branch	0.07%	$25,000	Learn More Add Review
The Farmers National Bank Of Danville Harrodsburg Branch	0.07%	$10,000	Learn More Add Review
Farmers & Traders Bank Of Campton Farmers & Traders Bank Of Campton Branch	0.07%	$2,500	Learn More Add Review
The Huntington National Bank Plantation Pointe Branch	0.06%	$0	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Commercial Bank Commercial Bank Branch	0.06%	$2,500	Learn More Add Review
First Southern National Bank First Southern National Bank Branch	0.06%	$2,500	Learn More Add Review
Fredonia Valley Bank Fredonia Valley Bank Branch	0.06%	$2,500	Learn More Add Review
The Citizens National Bank Of Somerset Plaza Branch	0.05%	$500	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)
The Cecilian Bank Downtown Branch	0.05%	$100	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)
Commercial Bank Commercial Bank Branch	0.05%	$2,500	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.05%	$50	Learn More Add Review
The Paducah Bank And Trust Company The Paducah Bank And Trust Company Branch	0.05%	$300	Learn More Add Review
Heritage Bank, Inc. North Branch	0.05%	$1	Learn More Add Review
Bank Of The Bluegrass And Trust Company Southland Branch	0.05%	$100	Learn More Add Review
The Monticello Banking Company Village Center Branch	0.05%	$10,000	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)
Stock Yards Bank & Trust Company Springhurst Br Branch	0.05%	$25,000	Learn More Add Review
First Financial Bank, National Association	0.05%	$2,500	Learn More Add Review
Banterra Bank Paducah West-3300 Branch	0.05%	$25,000	Learn More Add Review
Independence Bank Of Kentucky Highway 54 Branch	0.05%	$2,500	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)
Bank Of Cadiz And Trust Company Bank Of Cadiz And Trust Company Branch	0.05%	$2,500	Learn More Add Review
Old National Bank Chamberlain Pointe Branch	0.05%	$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)
South Central Bank, Inc. Dixie Hwy Branch	0.05%	$2,500	Learn More Add Review
United Southern Bank Clifty Branch	0.05%	$2,500	Learn More Add Review
Firstbank	0.05%	$2,500	Learn More Add Review
Forcht Bank, National Association Grant - Crittenden Branch	0.05%	$2,500	Learn More Add Review
Wilson & Muir Bank & Trust Company Bloomfield Branch	0.05%	$2,500	Learn More Add Review
West Point Bank West Point Branch	0.05%	$2,500	Learn More Add Review
The Lincoln National Bank Of Hodgenville Bloomfield Rd Branch	0.05%	$2,500	Learn More Add Review
Town & Country Bank And Trust Company West John Rowan Boulevard Branch	0.05%	$2,500	Learn More Add Review
Armed Forces Bank, National Association Community Center Branch	0.05%	$2,500	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Central Bank & Trust Company Hurstbourne Plaza Branch	0.05%	$2,500	Learn More
Pbar \| Mar 11, 2023 Best Bank in Lexington. FDIC insured but not ruled by the Fed. Read More Reviews (2)
First Financial Bank Burlington Branch	0.05%	$2,500	Learn More Add Review
Veritex Community Bank	0.05%	$10,000	Learn More Add Review
Bedford Loan & Deposit Bank Pendleton Branch	0.05%	$2,500	Learn More Add Review
The Peoples Bank Elk Creek Branch	0.05%	$2,500	Learn More Add Review
Bank Of Maysville Aa Highway Branch	0.05%	$2,500	Learn More Add Review
Traditional Bank, Inc. Jeffersonville Branch	0.05%	$2,500	Learn More Add Review
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	0.05%	$2,500	Learn More Add Review
Peoples Bank Russell Branch	0.05%	$25,000	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
Citizens Bank Of Kentucky, Inc. Winchester Branch	0.05%	$2,500	Learn More Add Review
Springfield State Bank Willisburg Branch	0.05%	$2,500	Learn More Add Review
The Farmers National Bank Of Danville Harrodsburg Branch	0.05%	$2,500	Learn More Add Review
The Casey County Bank, Inc. Drive-In Branch	0.05%	$2,500	Learn More Add Review
United Citizens Bank Of Southern Kentucky United Citizens Bank Of Southern Ken Branch	0.05%	$2,500	Learn More Add Review
Cumberland Security Bank, Inc. Somerset Branch	0.05%	$2,500	Learn More Add Review
Cumberland Valley National Bank & Trust Company Wal-Mart Superstore Branch	0.05%	$2,500	Learn More Add Review
Citizens Guaranty Bank Four Mile Branch	0.05%	$2,500	Learn More Add Review
Commercial Bank Union Plaza Branch	0.05%	$2,500	Learn More Add Review
Hometown Bank Of Corbin, Inc. Master Street Branch	0.05%	$10,000	Learn More Add Review
Home Federal Bank Corporation Village Center Branch	0.05%	$2,500	Learn More Add Review
Hyden Citizens Bank Wooton Branch	0.05%	$2,500	Learn More Add Review
Bank Of America, National Association	0.04%	$2,500	Learn More
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 (11)
First Harrison Bank John Harper Highway Branch	0.04%	$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)
Banterra Bank Paducah West-3300 Branch	0.04%	$10,000	Learn More Add Review
First United Bank And Trust Company First United Bank And Trust Company Branch	0.04%	$2,500	Learn More Add Review
The Peoples Bank Mount Washington Drive In Branch	0.04%	$25,000	Learn More Add Review
Pbk Bank, Inc. Hustonville Branch	0.04%	$25,000	Learn More Add Review
Farmers & Traders Bank Of Campton Farmers & Traders Bank Of Campton Branch	0.04%	$2,500	Learn More Add Review
The Citizens National Bank Of Lebanon The Citizens National Bank Of Lebano Branch	0.04%	$2,500	Learn More Add Review
Stock Yards Bank & Trust Company Springhurst Br Branch	0.03%	$10,000	Learn More Add Review
The Paducah Bank And Trust Company The Paducah Bank And Trust Company Branch	0.03%	$1	Learn More Add Review
Old National Bank Chamberlain Pointe Branch	0.03%	$2,500	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)
United Community Bank Of West Kentucky, Inc. Clay Branch	0.03%	$2,500	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)
Peoples Bank Russell Branch	0.03%	$2,500	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
Pnc Bank, National Association Newport Branch	0.02%	$50,000	Learn More
Rate History: 1.00% → 0.05% → 0.02%
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)
Jpmorgan Chase Bank, National Association Highland Baxter Branch	0.02%	$25,000	Learn More
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (25)
Farmers Bank And Trust Company Salem Office Branch	0.02%	$1	Learn More Add Review
First Harrison Bank John Harper Highway Branch	0.02%	$1	Learn More
vernon Wayne Coats \| Sep 26, 2015 Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More Reviews (1)
Banterra Bank Paducah West-3300 Branch	0.02%	$2,500	Learn More Add Review
Republic Bank & Trust Company Hwy 22 Branch	0.02%	$2,500	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)
Peoples Bank Russell Branch	0.02%	$2,500	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
The Peoples Bank Mount Washington Drive In Branch	0.02%	$2,500	Learn More Add Review
Hometown Bank Of Corbin, Inc. Master Street Branch	0.02%	$2,500	Learn More Add Review
The Monticello Banking Company Village Center Branch	0.01%	$2,501	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)
Pnc Bank, National Association Newport Branch	0.01%	$2,500	Learn More
Rate History: 0.03% → 0.01%
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)
Regions Bank Lacenter Branch	0.01%	$0	Learn More Add Review
Keybank National Association	0.01%	$1	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)
Fifth Third Bank, National Association Cincinnati/Norther Kentucky Internat Branch	0.01%	$500	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
Stock Yards Bank & Trust Company Springhurst Br Branch	0.01%	$1	Learn More Add Review
Sebree Deposit Bank Sebree Deposit Bank Branch	0.01%	$50	Learn More Add Review
Planters Bank, Inc. Sebree Facility Branch	0.01%	$2,500	Learn More Add Review
First Southern National Bank First Southern National Bank Branch	0.01%	$2,500	Learn More Add Review
Old National Bank Chamberlain Pointe Branch	0.01%	$2,500	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)
Wesbanco Bank, Inc. Riverfront Plaza Branch	0.01%	$2,500	Learn More Add Review
Pbk Bank, Inc. Hustonville Branch	0.01%	$2,500	Learn More Add Review
Peoples Exchange Bank Highways 52-11 Branch	0.01%	$2,500	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.

See rates for Credit Unions →

Branches Info across Kentucky

Branch	Street	City	State
American Bank & Trust Company, Inc. Louisville Road Branch	3411 Louisville Road	Bowling Green	KY
The Huntington National Bank Plantation Pointe Branch	8723 Us Hwy 42	Florence	KY
Citizens Ashland Ky Lpo Branch	332 15th Street	Ashland	KY
Truist Bank Crittenden Branch	100 South Main Street	Crittenden	KY
Regions Bank Lacenter Branch	312 Broadway	La Center	KY
U.S. Bank National Association Madisonville Main Branch	One South Main Street	Madisonville	KY
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	809 N. 12th Street	Murray	KY
Citizens Ashland Ky Lpo Branch	332 15th Street	Ashland	KY
Citizens Ashland Ky Lpo Branch	332 15th Street	Ashland	KY
American Bank & Trust Company, Inc. Louisville Road Branch	3411 Louisville Road	Bowling Green	KY
American Bank & Trust Company, Inc. Louisville Road Branch	3411 Louisville Road	Bowling Green	KY
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	809 N. 12th Street	Murray	KY
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	809 N. 12th Street	Murray	KY
Regions Bank Lacenter Branch	312 Broadway	La Center	KY
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	U.S. Highway 70 & State Highway 403	Morgantown	KY
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	809 N. 12th Street	Murray	KY
Community Financial Services Bank Calvert City Banking Center Branch	456 5th Avenue	Calvert City	KY
American Bank & Trust Company, Inc. Louisville Road Branch	3411 Louisville Road	Bowling Green	KY
River City Bank, Inc. Greenwood Road Branch	6308 Greenwood Road	Louisville	KY
The Monticello Banking Company Village Center Branch	181 Finance Street	Harlan	KY
Citizens Federal Savings and Loan Association Citizens Federal Savings And Loan As Branch	433 Madison Ave	Covington	KY
Bank of Hindman Bank Of Hindman Branch	1362 Hindman Bypass	Hindman	KY
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	Main & Lovern Streets	Hazard	KY
Clinton Bank Clinton Bank Branch	220 East Clay Street	Clinton	KY
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	809 N. 12th Street	Murray	KY
The Murray Bank 700 B North 12th Street Branch	700 B North 12th Street	Murray	KY
The Citizens Bank The Citizens Bank Branch	1522 Union City Highway	Hickman	KY
Bank of Hindman Bank Of Hindman Branch	1362 Hindman Bypass	Hindman	KY
Security Bank and Trust Company Fulton Bank Branch	One Bankers Plaza	Fulton	KY
Clinton Bank Clinton Bank Branch	220 East Clay Street	Clinton	KY
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	809 N. 12th Street	Murray	KY
The Citizens Bank The Citizens Bank Branch	1522 Union City Highway	Hickman	KY
West Point Bank West Point Branch	601 Main Street	West Point	KY
Meade County Bank River Ridge Shopping Center Branch	By-Pass Road	Brandenburg	KY
Bank of Buffalo Bank Of Buffalo Branch	2441 Greensburg Road	Buffalo	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 Murray Bank 700 B North 12th Street Branch	700 B North 12th Street	Murray	KY
Field & Main Bank Field & Main Bank Branch	Walnut And Pike Streets	Cynthiana	KY
Bank of Edmonson County Boec Branch Office Branch	6780 Louisville Rd	Bowling Green	KY
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	604 Highland Avenue	Carrollton	KY
The Commercial Bank of Grayson Olive Hill Branch	Tom T. Hall Boulevard	Olive Hill	KY
Hearthside Bank Corporation Village Center Branch	185 Finance Street	Harlan	KY
Woodforest National Bank 8073 Murray Kemtucky Walmart Branch	809 N. 12th Street	Murray	KY
U.S. Bank National Association Madisonville Main Branch	One South Main Street	Madisonville	KY
Taylor County Bank Taylor County Bank Branch	Broadway And Lebanon Avenues	Campbellsville	KY
First Community Bank of the Heartland, Inc. Kevil Banking Center Branch	952 Kentucky Avenue	Kevil	KY
The Citizens Bank The Citizens Bank Branch	1522 Union City Highway	Hickman	KY
Independence Bank of Kentucky Highway 54 Branch	3228 Highway 54	Owensboro	KY
The Sacramento Deposit Bank Caneyville Branch	102 N Main St	Caneyville	KY
Bank of Edmonson County Boec Branch Office Branch	6780 Louisville Rd	Bowling Green	KY
Bank of Clarkson Main Street Leitchfield Branch	417 South Main Street	Leitchfield	KY
Meade County Bank River Ridge Shopping Center Branch	By-Pass Road	Brandenburg	KY
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	3827 Shelbyville Road	Louisville	KY
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	604 Highland Avenue	Carrollton	KY
First Federal Savings Bank of Kentucky Danville Br Branch	340 W Main St	Danville	KY
Bank of Columbia Jamestown Street Branch	807 Jamestown Street	Columbia	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
The First National Bank of Russell Springs Downtown Branch	Main And Wilson	Russell Springs	KY
Bank of Jamestown Russell Springs Branch	43 Highway 910	Russell Springs	KY
Citizens Bank Brodhead Branch	53 South Main Street	Brodhead	KY
First State Bank of the Southeast, Inc Harlan Road Branch	U.S. Highway 119	Pineville	KY
1st Trust Bank, Inc. London Shopping Center Branch	271 London Shoping Center	London	KY
Hyden Citizens Bank Wooton Branch	5244 Kentucky Highway 80	Wooton	KY
Taylor County Bank Taylor County Bank Branch	Broadway And Lebanon Avenues	Campbellsville	KY
The Farmers Bank Wilmore Branch	213 East Main Street	Wilmore	KY
The Murray Bank 700 B North 12th Street Branch	700 B North 12th Street	Murray	KY
Independence Bank of Kentucky Highway 54 Branch	3228 Highway 54	Owensboro	KY
First United Bank and Trust Company First United Bank And Trust Company Branch	162 North Main Street	Madisonville	KY
The Sacramento Deposit Bank Caneyville Branch	102 N Main St	Caneyville	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
Bank of Edmonson County Boec Branch Office Branch	6780 Louisville Rd	Bowling Green	KY
Meade County Bank River Ridge Shopping Center Branch	By-Pass Road	Brandenburg	KY
Home Savings Bank, FSB Home Savings Bank, Fsb Branch	202 Elm Street	Ludlow	KY
The Commercial Bank of Grayson Olive Hill Branch	Tom T. Hall Boulevard	Olive Hill	KY
Citizens Bank and Trust of Lebanon, Inc. The Citizens National Bank Of Lebano Branch	149 West Main Street	Lebanon	KY
Citizens Bank & Trust Company Main Street Branch	408 East Main Street	Campbellsville	KY
Citizens Bank Brodhead Branch	53 South Main Street	Brodhead	KY
Bank of Lexington, Inc. Tates Creek Branch	866 Malabu Drive	Lexington	KY
The First National Bank of Manchester The First National Bank Of Manchester Branch	2770 State Highway 421 South	Garrard	KY
Hearthside Bank Corporation Village Center Branch	185 Finance Street	Harlan	KY
Hyden Citizens Bank Wooton Branch	5244 Kentucky Highway 80	Wooton	KY
The First National Bank of Williamson The First National Bank Of Williamso Branch	109 Prater Place, Suite 100	Pikeville	KY
Citizens Bank and Trust of Lebanon, Inc. The Citizens National Bank Of Lebano Branch	149 West Main Street	Lebanon	KY
Whitaker Bank Franklin Square Branch	U.S. Highway 127	Frankfort	KY
Clinton Bank Clinton Bank Branch	220 East Clay Street	Clinton	KY
The Farmers Bank of Milton The Farmers Bank Of Milton Branch	41 Ferry Street	Milton	KY
Taylor County Bank Taylor County Bank Branch	Broadway And Lebanon Avenues	Campbellsville	KY
The Farmers Bank Wilmore Branch	213 East Main Street	Wilmore	KY
Farmers State Bank Farmers State Bank Branch	Main Street	Booneville	KY
The Farmers National Bank of Lebanon Campbellsville Highway Branch	2160 Campbellsville Road	Lebanon	KY
Lewisburg Banking Company Russellville Branch	780 Hopkinsville Road	Russellville	KY
Heritage Bank, Inc. North Branch	U.S. Highway 27	Butler	KY
Independence Bank of Kentucky Highway 54 Branch	3228 Highway 54	Owensboro	KY
United Community Bank of West Kentucky, Inc. Clay Branch	54 Hearin St	Clay	KY
Commonwealth Community Bank, Inc. Centertown Branch	Main Street And Highway 69	Centertown	KY
Franklin Bank & Trust Company South Branch	903 South Main Street	Franklin	KY
Auburn Banking Company Auburn Banking Company Branch	Main And Lincoln Streets	Auburn	KY
First State Bank Rough River Branch	9666 South Highway 259	Mcdaniels	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
Town & Country Bank and Trust Company West John Rowan Boulevard Branch	90 West John Rowan Boulevard	Bardstown	KY
Armed Forces Bank, National Association Community Center Branch	131 Gold Vault Road	Fort Knox	KY
River City Bank, Inc. Greenwood Road Branch	6308 Greenwood Road	Louisville	KY
Eclipse Bank, Inc. Eclipse Bank, Inc. Branch	3827 Shelbyville Road	Louisville	KY
FIRST NATIONAL BANK OF KENTUCKY First National Bank Of Kentucky Branch	604 Highland Avenue	Carrollton	KY
The Peoples Bank Elk Creek Branch	5511 Taylorsville Road	Fisherville	KY
Guardian Savings Bank Florence Branch	7550 Mall Road	Florence	KY
Whitaker Bank Franklin Square Branch	U.S. Highway 127	Frankfort	KY
First Federal Savings Bank of Kentucky Danville Br Branch	340 W Main St	Danville	KY
Security Bank and Trust Co. U.S. 68 Branch	1426 U.S. 68 South	Maysville	KY
Peoples Bank of Kentucky, Inc. Hillsboro Branch	Route 111	Hillsboro	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
The First National Bank of Grayson Sandy Hook Branch	337 Kentucky Highway 7 North	Sandy Hook	KY
Citizens Bank of Kentucky, Inc. Winchester Branch	695 Bullion Boulevard	Winchester	KY
Kentucky Farmers Bank Corporation Suburban Branch	U.S. Highway 60	Boyd County	KY
Springfield State Bank Willisburg Branch	2559 Main Street	Willisburg	KY
Bank of Columbia Jamestown Street Branch	807 Jamestown Street	Columbia	KY
Citizens Bank & Trust Company Main Street Branch	408 East Main Street	Campbellsville	KY
United Cumberland Bank Pine Knot Branch	3995 South Highway 27	Pine Knot	KY
The First National Bank of Russell Springs Downtown Branch	Main And Wilson	Russell Springs	KY
Citizens Bank Brodhead Branch	53 South Main Street	Brodhead	KY
Bank of Lexington, Inc. Tates Creek Branch	866 Malabu Drive	Lexington	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
Citizens Bank & Trust Co. of Jackson Citizens Bank & Trust Co. Of Jackson Branch	720 Hwy, 15 South	Jackson	KY
First Community Bank of the Heartland, Inc. Kevil Banking Center Branch	952 Kentucky Avenue	Kevil	KY
Security Bank and Trust Company Fulton Bank Branch	One Bankers Plaza	Fulton	KY
United Community Bank of West Kentucky, Inc. Clay Branch	54 Hearin St	Clay	KY
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	211 West Main Street	Morehead	KY
Auburn Banking Company Auburn Banking Company Branch	Main And Lincoln Streets	Auburn	KY
Peoples Bank of Kentucky, Inc. Hillsboro Branch	Route 111	Hillsboro	KY
United Cumberland Bank Pine Knot Branch	3995 South Highway 27	Pine Knot	KY
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	215 Mountain Parkway Spur	Campton	KY
Morgantown Bank & Trust Company, Incorporated Highway 70 Branch	U.S. Highway 70 & State Highway 403	Morgantown	KY
Century Bank of Kentucky, Inc. Century Bank Of Kentucky, Inc. Branch	201 West Woodford Street	Lawrenceburg	KY
Community Financial Services Bank Calvert City Banking Center Branch	456 5th Avenue	Calvert City	KY
The Citizens National Bank of Somerset Plaza Branch	293 North Highway 27	Somerset	KY
Magnolia Bank, Incorporated Hodgenville Branch	794 Old Elizabethtown Road	Hodgenville	KY
The Murray Bank 700 B North 12th Street Branch	700 B North 12th Street	Murray	KY
FNB Bank, Inc. Wingo Branch	9606 Highway 45 S.	Wingo	KY
Heritage Bank, Inc. North Branch	U.S. Highway 27	Butler	KY
Taylor County Bank Taylor County Bank Branch	Broadway And Lebanon Avenues	Campbellsville	KY
The Farmers National Bank of Lebanon Campbellsville Highway Branch	2160 Campbellsville Road	Lebanon	KY
The Monticello Banking Company Village Center Branch	181 Finance Street	Harlan	KY
First Kentucky Bank, Inc. Cunningham Branch	8141 Ushwy 62	Cunningham	KY
Independence Bank of Kentucky Highway 54 Branch	3228 Highway 54	Owensboro	KY
Fredonia Valley Bank Fredonia Valley Bank Branch	602 Cassidy Ave	Fredonia	KY
United Community Bank of West Kentucky, Inc. Clay Branch	54 Hearin St	Clay	KY
The Sacramento Deposit Bank Caneyville Branch	102 N Main St	Caneyville	KY
Field & Main Bank Field & Main Bank Branch	Walnut And Pike Streets	Cynthiana	KY
Franklin Bank & Trust Company South Branch	903 South Main Street	Franklin	KY
Auburn Banking Company Auburn Banking Company Branch	Main And Lincoln Streets	Auburn	KY
Forcht Bank, National Association Grant - Crittenden Branch	I-75 And Violet Road	Crittenden	KY
First State Bank Rough River Branch	9666 South Highway 259	Mcdaniels	KY
Bank of Clarkson Main Street Leitchfield Branch	417 South Main Street	Leitchfield	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
WesBanco Bank, Inc. Riverfront Plaza Branch	471 West Main Street	Louisville	KY
Meade County Bank River Ridge Shopping Center Branch	By-Pass Road	Brandenburg	KY
Armed Forces Bank, National Association Community Center Branch	131 Gold Vault Road	Fort Knox	KY
First Financial Bank Burlington Branch	Limaburg Road And Jones Circle	Burlington	KY
Bedford Loan & Deposit Bank Pendleton Branch	973 Pendleton Road	Pendleton	KY
The Peoples Bank Elk Creek Branch	5511 Taylorsville Road	Fisherville	KY
Whitaker Bank Franklin Square Branch	U.S. Highway 127	Frankfort	KY
First Federal Savings Bank of Kentucky Danville Br Branch	340 W Main St	Danville	KY
Security Bank and Trust Co. U.S. 68 Branch	1426 U.S. 68 South	Maysville	KY
Peoples Bank of Kentucky, Inc. Hillsboro Branch	Route 111	Hillsboro	KY
The First National Bank of Brooksville Drive-Thru Branch	107 East Miami Street	Brooksville	KY
Traditional Bank, Inc. Jeffersonville Branch	7880 Main Street	Jeffersonville	KY
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	26 Second Street	Vanceburg	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
The Casey County Bank, Inc. Drive-In Branch	Middleburg Street	Liberty	KY
Peoples Bank Peoples Bank Branch	265 Old Springfield Road	Lebanon	KY
First & Farmers National Bank, Inc. Nancy Branch	9260 Highway 80	Nancy	KY
United Citizens Bank of Southern Kentucky United Citizens Bank Of Southern Ken Branch	700 Jamestown Street	Columbia	KY
United Cumberland Bank Pine Knot Branch	3995 South Highway 27	Pine Knot	KY
The First National Bank of Russell Springs Downtown Branch	Main And Wilson	Russell Springs	KY
Bank of Jamestown Russell Springs Branch	43 Highway 910	Russell Springs	KY
Citizens Bank Brodhead Branch	53 South Main Street	Brodhead	KY
First State Bank of the Southeast, Inc Harlan Road Branch	U.S. Highway 119	Pineville	KY
Citizens Guaranty Bank Four Mile Branch	2066 Merchant Drive	Richmond	KY
Commercial Bank Union Plaza Branch	603 Knox Street	Barbourville	KY
Hyden Citizens Bank Wooton Branch	5244 Kentucky Highway 80	Wooton	KY
Peoples Bank & Trust Company of Hazard Airport Gardens Branch	21 Grand Vue Plaza	Hazard	KY
The First National Bank of Williamson The First National Bank Of Williamso Branch	109 Prater Place, Suite 100	Pikeville	KY
The Farmers National Bank of Danville Harrodsburg Branch	776 South College Street	Harrodsburg	KY
Hometown Bank of Corbin, Inc. Master Street Branch	501 Master Street	Corbin	KY
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	215 Mountain Parkway Spur	Campton	KY
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	555 Jefferson Street	Paducah	KY
Bedford Loan & Deposit Bank Pendleton Branch	973 Pendleton Road	Pendleton	KY
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	940 Bloomfield Road	Bardstown	KY
The Farmers National Bank of Danville Harrodsburg Branch	776 South College Street	Harrodsburg	KY
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	215 Mountain Parkway Spur	Campton	KY
The Huntington National Bank Plantation Pointe Branch	8723 Us Hwy 42	Florence	KY
Commercial Bank Commercial Bank Branch	550 Main Street	West Liberty	KY
First Southern National Bank First Southern National Bank Branch	Main And Church Streets	Bremen	KY
Fredonia Valley Bank Fredonia Valley Bank Branch	602 Cassidy Ave	Fredonia	KY
U.S. Bank National Association Madisonville Main Branch	One South Main Street	Madisonville	KY
The Citizens National Bank of Somerset Plaza Branch	293 North Highway 27	Somerset	KY
The Cecilian Bank Downtown Branch	222 South Main Street	Hardinsburg	KY
Commercial Bank Commercial Bank Branch	550 Main Street	West Liberty	KY
Farmers State Bank Farmers State Bank Branch	Main Street	Booneville	KY
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	555 Jefferson Street	Paducah	KY
Heritage Bank, Inc. North Branch	U.S. Highway 27	Butler	KY
Bank of the Bluegrass and Trust Company Southland Branch	215 Southland Drive	Lexington	KY
The Monticello Banking Company Village Center Branch	181 Finance Street	Harlan	KY
Stock Yards Bank & Trust Company Springhurst Br Branch	9400 Brownsboro Road	Louisville	KY
Banterra Bank Paducah West-3300 Branch	5200 Hinkleville Road	Paducah	KY
Independence Bank of Kentucky Highway 54 Branch	3228 Highway 54	Owensboro	KY
Bank of Cadiz and Trust Company Bank Of Cadiz And Trust Company Branch	Main And Scott Streets	Cadiz	KY
Old National Bank Chamberlain Pointe Branch	9708 Brownsboro Road	Louisville	KY
South Central Bank, Inc. Dixie Hwy Branch	1000 North Dixie Avenue	Elizabethtown	KY
United Southern Bank Clifty Branch	Highway 181	Clifty	KY
Forcht Bank, National Association Grant - Crittenden Branch	I-75 And Violet Road	Crittenden	KY
Wilson & Muir Bank & Trust Company Bloomfield Branch	105 Taylorsville Road	Bloomfield	KY
West Point Bank West Point Branch	601 Main Street	West Point	KY
The Lincoln National Bank of Hodgenville Bloomfield Rd Branch	940 Bloomfield Road	Bardstown	KY
Town & Country Bank and Trust Company West John Rowan Boulevard Branch	90 West John Rowan Boulevard	Bardstown	KY
Armed Forces Bank, National Association Community Center Branch	131 Gold Vault Road	Fort Knox	KY
Central Bank & Trust Co. Hurstbourne Plaza Branch	9300 Shelbyville Road, Suite 100	Louisville	KY
First Financial Bank Burlington Branch	Limaburg Road And Jones Circle	Burlington	KY
Bedford Loan & Deposit Bank Pendleton Branch	973 Pendleton Road	Pendleton	KY
The Peoples Bank Elk Creek Branch	5511 Taylorsville Road	Fisherville	KY
Bank of Maysville Aa Highway Branch	253 Wal-Mart Way	Maysville	KY
Traditional Bank, Inc. Jeffersonville Branch	7880 Main Street	Jeffersonville	KY
Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch	26 Second Street	Vanceburg	KY
Peoples Bank Russell Branch	900 Diederich Boulevard	Russell	KY
Citizens Bank of Kentucky, Inc. Winchester Branch	695 Bullion Boulevard	Winchester	KY
Springfield State Bank Willisburg Branch	2559 Main Street	Willisburg	KY
The Farmers National Bank of Danville Harrodsburg Branch	776 South College Street	Harrodsburg	KY
The Casey County Bank, Inc. Drive-In Branch	Middleburg Street	Liberty	KY
United Citizens Bank of Southern Kentucky United Citizens Bank Of Southern Ken Branch	700 Jamestown Street	Columbia	KY
Cumberland Security Bank, Inc. Somerset Branch	377 U.S. Highway 27	Somerset	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
Commercial Bank Union Plaza Branch	603 Knox Street	Barbourville	KY
Hometown Bank of Corbin, Inc. Master Street Branch	501 Master Street	Corbin	KY
Hearthside Bank Corporation Village Center Branch	185 Finance Street	Harlan	KY
Hyden Citizens Bank Wooton Branch	5244 Kentucky Highway 80	Wooton	KY
First Harrison Bank John Harper Highway Branch	550 John Harper Highway	Shepherdsville	KY
Banterra Bank Paducah West-3300 Branch	5200 Hinkleville Road	Paducah	KY
First United Bank and Trust Company First United Bank And Trust Company Branch	162 North Main Street	Madisonville	KY
The Peoples Bank Mount Washington Drive In Branch	415 Oakbrooke Drive	Mount Washington	KY
PBK BANK, INC. Hustonville Branch	Bradfordsville Road	Hustonville	KY
Farmers & Traders Bank of Campton Farmers & Traders Bank Of Campton Branch	215 Mountain Parkway Spur	Campton	KY
Citizens Bank and Trust of Lebanon, Inc. The Citizens National Bank Of Lebano Branch	149 West Main Street	Lebanon	KY
Stock Yards Bank & Trust Company Springhurst Br Branch	9400 Brownsboro Road	Louisville	KY
The Paducah Bank and Trust Company The Paducah Bank And Trust Company Branch	555 Jefferson Street	Paducah	KY
Old National Bank Chamberlain Pointe Branch	9708 Brownsboro Road	Louisville	KY
United Community Bank of West Kentucky, Inc. Clay Branch	54 Hearin St	Clay	KY
Peoples Bank Russell Branch	900 Diederich Boulevard	Russell	KY
PNC Bank, National Association Newport Branch	One Carothers Road	Newport	KY
JPMorgan Chase Bank, National Association Highland Baxter Branch	970 Baxter Avenue	Louisville	KY
Farmers Bank and Trust Company Salem Office Branch	216 West Main Street	Salem	KY
First Harrison Bank John Harper Highway Branch	550 John Harper Highway	Shepherdsville	KY
Banterra Bank Paducah West-3300 Branch	5200 Hinkleville Road	Paducah	KY
Republic Bank & Trust Company Hwy 22 Branch	9600 Brownsboro Rd	Louisville	KY
Peoples Bank Russell Branch	900 Diederich Boulevard	Russell	KY
The Peoples Bank Mount Washington Drive In Branch	415 Oakbrooke Drive	Mount Washington	KY
Hometown Bank of Corbin, Inc. Master Street Branch	501 Master Street	Corbin	KY
The Monticello Banking Company Village Center Branch	181 Finance Street	Harlan	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
Truist Bank Crittenden Branch	100 South Main Street	Crittenden	KY
Stock Yards Bank & Trust Company Springhurst Br Branch	9400 Brownsboro Road	Louisville	KY
Sonata Bank Sebree Deposit Bank Branch	147 West Main Street	Sebree	KY
Planters Bank, Inc. Sebree Facility Branch	796 Us Highway 41 N	Sebree	KY
First Southern National Bank First Southern National Bank Branch	Main And Church Streets	Bremen	KY
Old National Bank Chamberlain Pointe Branch	9708 Brownsboro Road	Louisville	KY
WesBanco Bank, Inc. Riverfront Plaza Branch	471 West Main Street	Louisville	KY
PBK BANK, INC. Hustonville Branch	Bradfordsville Road	Hustonville	KY
Peoples Exchange Bank Highways 52-11 Branch	Highways 52 And 11	Beattyville	KY

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

KENTUCKY SAVINGS ACCOUNT ENVIRONMENT

Banks in Kentucky play a crucial role in the state's economy, assisting individuals, businesses, and the government with financial services. Kentucky has large national banks, regional banks, community banks, and credit unions.

Kentucky has a generally stable savings rate environment, influenced by various factors such as economic conditions, interest rates, and consumer behavior.

The savings rate environment in Kentucky is influenced by several factors, such as economic conditions, the national interest rate environment set by the Federal Reserve and consumer behavior:

1. Economic Conditions: The overall economic health of the state greatly impacts the savings rate. During periods of economic growth and low unemployment rates, people tend to save more. Conversely, during economic downturns or recessions, savings may decrease as people face financial difficulties. The availability of people's savings (supply) and the banks' need to for capital (demand) may impact the rates that are being offered.

2. Interest Rates: The level of interest rates affects the profitability of saving. When interest rates are high, people are encouraged to save more, as they can earn more on their savings. Conversely, when interest rates are low, people may prefer to spend or invest in other assets rather than save.

3. Consumer Behavior and Confidence: Consumer confidence plays a significant role in determining the savings rate. If consumers feel optimistic about the future and have faith in the stability of the economy, they may be more inclined to save. However, if consumers are uncertain about their financial prospects, they may be less likely to save.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES

Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

Find a bank with a location convenient to you. Location counts.
Choose a bank with good rates. Rates are important to get continued growth of your capital.
Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.