Best CD Rates in Kentucky for Consumers with Good, Great, & Excellent Credit Scores

If you are a resident of KY and have been considering taking out a certificate of deposit (CD), we’re here to help.

Here at AdvisoryHQ, we know all too well how important it is to conduct thorough research before signing up for a financial product, especially when it comes to Kentucky CD rates.

To simplify your research process, the section below provides a detailed list of the best rates in KY on financial products from top-rated providers.

Kentucky residents have plenty of savings products to choose from to meet a variety of savings needs.

Whether you’re interested in short-term or long-term products, it’s important to find the best rates and terms to ensure that your savings can grow.

Visit the Kentucky rate table above to find the best Kentucky rates for financial products in your specific location.

Best CD Rates in Kentucky

Scenic view of a waterfall in Kentucky

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Which Kentucky City Are You Located In?

Below is a list of the largest cities in Kentucky. Click here to go to the KY rate table displayed above to view current and best rates in KY.

Biggest Cities in Kentucky


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High Yield Savings Rates vs Best CD Rates in KY

Part of finding the best CD rates in Georgetown, Richmond, Louisville, or other cities in the state of Kentucky is exploring multiple options and rates.

Something to note is that the longer-term 2-year, 3-year, and 5-year CDs offer the best CD rates in KY.

Banks are willing to offer higher rates for these longer-term CDs because they have a longer time to utilize the money you keep in your CD account, and make more money from it.

If the CDs listed above do not fit your financial needs, you might want to consider high-yield savings accounts in KY. Some online high-yield savings accounts offer much higher rates than the highest Kentucky CD rates.

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Jumbo CD Rates in Kentucky

Along with traditional CD accounts, many banks will also offer jumbo CD rates and products for consumers in Kentucky.

A jumbo CD is a certificate of deposit account in which the account holder is required to deposit $100,000 or more. Jumbo CDs are attractive to Kentucky consumers because in exchange for the higher deposit amount, they get higher rates than with regular CD accounts.

Something you should note though is that you’ll be penalized if you withdraw funds from your jumbo CD account before the agreed termination date.

Click here to visit the table of Kentucky rates above to view rates and offers for leading financial products and offers across the state.

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Conclusion: Choosing the Best CD Rates in KY

As you can see, there are a lot of great financial products and rate offers for Kentucky residents.

No matter what type of account you choose, a CD can be a great option for consumers that struggle with keeping their savings intact long enough for their account to grow.

Consider your financial goals, your current savings plan, and the best CD rates in North Dakota to choose the best savings account for your personal financial goals.

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CD, Saving and MMA Rate Table Disclaimer

Click here to read AdvisoryHQ’s disclaimer on the rate table(s) displayed on this page.

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AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.