Best 3-Year CD Rates in Kentucky, KY

You are viewing rates from banks across Kentucky

Below are three-year CD Rates from banks in Kentucky. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

KY - December 12, 2024

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
American Bank & Trust Company, Inc.	5.10%	$1,000	-	Learn More Add Review
Rate History: 3.75% → 5.10%
Bank of Whittier, National Association	3.98%	$1,000	-	Learn More Add Review
Capital One, National Association	3.60%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 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 (14)
Ivy Bank, a division of Cambridge Savings Bank	3.60%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Truist Bank	3.50%	$1,000	-	Learn More
Rate History: 3.75% → 3.50% → 3.00% → 3.50%
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)
Gateway First Bank	3.10%	$500	-	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)
Citizens	3.10%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
Banesco USA	2.50%	$1,000	-	Learn More
Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50%
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)
Citibank, National Association	2.00%	$0	-	Learn More
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 (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55% → 1.55%
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)
Woodforest National Bank	1.40%	$500	-	Learn More
Rate History: 1.00% → 1.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Forcht Bank, National Association	1.26%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Kentucky	1.25%	$10,000	-	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)
Taylor County Bank	1.20%	$500	-	Learn More Add Review
Citizens Bank & Trust Company	1.20%	$10,000	-	Learn More Add Review
Bank of Hindman	1.16%	$10,000	-	Learn More Add Review
Citizens Federal Savings and Loan Association	1.15%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association	1.11%	$10,000	-	Learn More Add Review
The Cecilian Bank	1.10%	$1,000	-	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)
Bank of Clarkson	1.10%	$10,000	-	Learn More Add Review
Bank of Edmonson County	1.05%	$100,000	-	Learn More Add Review
Eclipse Bank, Inc.	1.05%	$10,000	-	Learn More Add Review
The Citizens Bank	1.00%	$10,000	-	Learn More Add Review
United Community Bank of West Kentucky, Inc.	1.00%	$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)
The Sacramento Deposit Bank	1.00%	$100,000	-	Learn More Add Review
United Citizens Bank of Southern Kentucky	1.00%	$10,000	-	Learn More Add Review
The First National Bank of Russell Springs	1.00%	$10,000	-	Learn More Add Review
Bank of Jamestown	1.00%	$10,000	-	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
Heritage Bank, Inc.	0.95%	$500	-	Learn More Add Review
Magnolia Bank	0.95%	$500	-	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
South Central Bank, Inc.	0.95%	$10,000	-	Learn More Add Review
Bank of Buffalo	0.95%	$10,000	-	Learn More Add Review
Bank of Edmonson County	0.90%	$10,000	-	Learn More Add Review
Home Savings Bank, FSB	0.90%	$10,000	-	Learn More Add Review
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
Franklin Bank & Trust Company	0.85%	$100,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville	0.85%	$100,000	-	Learn More Add Review
South Central Bank, Inc.	0.85%	$10,000	-	Learn More Add Review
Field & Main Bank	0.80%	$10,000	-	Learn More Add Review
Commonwealth Community Bank, Inc.	0.80%	$10,000	-	Learn More Add Review
Franklin Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.80%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank	0.80%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Citizens Bank of Kentucky, Inc.	0.80%	$10,000	-	Learn More Add Review
First & Farmers National Bank, Inc.	0.80%	$10,000	-	Learn More Add Review
The First National Bank of Manchester	0.80%	$100,000	-	Learn More Add Review
Springfield State Bank	0.76%	$500	-	Learn More Add Review
Independence Bank of Kentucky	0.75%	$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)
The Sacramento Deposit Bank	0.75%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.75%	$10,000	-	Learn More Add Review
Peoples Bank	0.75%	$500	-	Learn More Add Review
Hyden Citizens Bank	0.75%	$10,000	-	Learn More Add Review
Farmers State Bank	0.70%	$1,000	-	Learn More Add Review
The Farmers National Bank of Lebanon	0.70%	$500	-	Learn More Add Review
First Kentucky Bank, Inc.	0.70%	$100,000	-	Learn More Add Review
First United Bank and Trust Company	0.70%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville	0.70%	$10,000	-	Learn More Add Review
Town & Country Bank and Trust Company	0.70%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton	0.70%	$100,000	-	Learn More Add Review
The Commercial Bank of Grayson	0.70%	$10,000	-	Learn More Add Review
Kentucky Farmers Bank Corporation	0.70%	$10,000	-	Learn More Add Review
Citizens Bank	0.70%	$10,000	-	Learn More Add Review
Citizens Guaranty Bank	0.70%	$10,000	-	Learn More Add Review
Jackson County Bank	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Manchester	0.70%	$10,000	-	Learn More Add Review
Commercial Bank	0.65%	$500	-	Learn More Add Review
The Farmers Bank	0.65%	$500	-	Learn More Add Review
FIRST NATIONAL BANK OF KENTUCKY	0.65%	$1,000	-	Learn More Add Review
Bedford Loan & Deposit Bank	0.65%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company	0.65%	$100,000	-	Learn More Add Review
The First National Bank of Grayson	0.65%	$100,000	-	Learn More Add Review
Bank of Columbia	0.65%	$10,000	-	Learn More Add Review
United Cumberland Bank	0.65%	$10,000	-	Learn More Add Review
Farmers & Traders Bank of Campton	0.65%	$10,000	-	Learn More Add Review
Lewisburg Banking Company	0.60%	$1,000	-	Learn More
kateast \| Jun 7, 2018 Friendly people; good place to do business. Read More Reviews (1)
The Murray Bank	0.60%	$1,000	-	Learn More Add Review
Bank of Cadiz and Trust Company	0.60%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company	0.60%	$500	-	Learn More Add Review
The Farmers Bank of Milton	0.60%	$500	-	Learn More Add Review
The First National Bank of Brooksville	0.60%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Grayson	0.60%	$10,000	-	Learn More Add Review
Peoples Bank & Trust Company of Hazard	0.60%	$10,000	-	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	0.60%	$100,000	-	Learn More Add Review
Cumberland Valley National Bank & Trust Company	0.58%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association	0.55%	$500	-	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated	0.55%	$10,000	-	Learn More Add Review
Whitaker Bank	0.55%	$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)
Peoples Exchange Bank	0.55%	$10,000	-	Learn More Add Review
Hometown Bank of Corbin, Inc.	0.55%	$10,000	-	Learn More Add Review
The Citizens National Bank of Somerset	0.50%	$5,000	-	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 Huntington National Bank	0.50%	$1,000	-	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)
First Financial Bank, National Association	0.50%	$10,000	-	Learn More Add Review
Planters Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company	0.50%	$10,000	-	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)
United Southern Bank	0.50%	$10,000	-	Learn More Add Review
FirstBank	0.50%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.50%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Central Bank & Trust Company	0.50%	$10,000	-	Learn More
Pbar \| Mar 11, 2023 Best Bank in Lexington. FDIC insured but not ruled by the Fed. Read More Reviews (2)
Pinnacle Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
PBK BANK, INC.	0.50%	$10,000	-	Learn More Add Review
Bank of the Bluegrass and Trust Company	0.50%	$500	-	Learn More Add Review
FIRST STATE BANK OF THE SOUTHEAST, INC	0.50%	$10,000	-	Learn More Add Review
Commercial Bank	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Williamson	0.50%	$10,000	-	Learn More Add Review
First Harrison Bank	0.45%	$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)
Peoples Bank of Kentucky, Inc.	0.45%	$10,000	-	Learn More Add Review
First Community Bank of the Heartland, Inc.	0.41%	$500	-	Learn More Add Review
The Monticello Banking Company	0.40%	$500	-	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)
Veritex Community Bank	0.40%	$10,000	-	Learn More Add Review
The Peoples Bank	0.40%	$10,000	-	Learn More Add Review
Bank of Maysville	0.40%	$10,000	-	Learn More Add Review
Bank of Lexington, Inc.	0.40%	$10,000	-	Learn More Add Review
Home Federal Bank Corporation	0.40%	$10,000	-	Learn More Add Review
The Paducah Bank and Trust Company	0.38%	$5,000	-	Learn More Add Review
The Farmers National Bank of Danville	0.35%	$10,000	-	Learn More Add Review
The Casey County Bank, Inc.	0.35%	$10,000	-	Learn More Add Review
FNB Bank, Inc.	0.30%	$1,000	-	Learn More Add Review
First Southern National Bank	0.30%	$10,000	-	Learn More Add Review
Old National Bank	0.30%	$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)
Traditional Bank, Inc.	0.30%	$10,000	-	Learn More Add Review
Farmers Bank and Trust Company	0.25%	$500	-	Learn More Add Review
The Peoples Bank	0.25%	$10,000	-	Learn More Add Review
Cumberland Security Bank, Inc.	0.25%	$10,000	-	Learn More Add Review
Sebree Deposit Bank	0.20%	$500	-	Learn More Add Review
First Kentucky Bank, Inc.	0.20%	$10,000	-	Learn More Add Review
First Financial Bank	0.20%	$10,000	-	Learn More Add Review
Security Bank and Trust Co.	0.20%	$10,000	-	Learn More Add Review
The Citizens National Bank of Lebanon	0.20%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Co. of Jackson	0.20%	$10,000	-	Learn More Add Review
Banterra Bank	0.15%	$10,000	-	Learn More Add Review
TD Bank, National Association	0.15%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Peoples Bank	0.12%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
U.S. Bank National Association	0.10%	$500	-	Learn More
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 (2)
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
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)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
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)
Bank of America, National Association	0.03%	$100,000	-	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 (7)
Fifth Third Bank, National Association	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

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

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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Kentucky CD Rates – 3-Year

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Three Year CDs - Branch Banks 2024

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