Best CD Rates in Lyndon, Kentucky, KY

You are viewing rates from banks across Lyndon

Below are the best one-year CD Rates from banks in Lyndon, Kentucky. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Lyndon, KY - December 26, 2024

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
American Bank & Trust Company, Inc.	4.95%	$1,000	-	Learn More Add Review
Rate History: 5.20% → 4.95%
Citizens	4.00%	$5,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Fifth Third Bank, National Association	3.30% 0.01%	$5,000 $500	-	Learn More
Rate History: 4.70% → 4.00% → 4.30% → 3.30%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
JPMorgan Chase Bank, National Association	3.25% 3.00%	$100,000 $10,000	-	Learn More
Rate History: 3.00% → 2.00% → 3.50% → 3.25%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Woodforest National Bank	2.50%	$500	-	Learn More
Rate History: 1.70% → 3.00% → 2.75% → 2.50%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
River City Bank, Inc.	1.00%	$10,000	-	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)
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)
Bank of Hindman	0.86%	$10,000	-	Learn More Add Review
Magnolia Bank	0.85%	$500	-	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
Bank of Buffalo	0.85%	$10,000	-	Learn More Add Review
The Sacramento Deposit Bank	0.80%	$100,000	-	Learn More Add Review
First State Bank	0.80%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville	0.75%	$10,000	-	Learn More Add Review
The Cecilian Bank	0.75%	$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)
West Point Bank	0.75%	$10,000	-	Learn More Add Review
Eclipse Bank, Inc.	0.75%	$10,000	-	Learn More Add Review
1st Trust Bank, Inc.	0.75%	$100,000	-	Learn More Add Review
Bank of Clarkson	0.70%	$10,000	-	Learn More Add Review
Bank of Edmonson County	0.65%	$100,000	-	Learn More Add Review
Heritage Bank, Inc.	0.65%	$500	-	Learn More Add Review
The Citizens Bank	0.65%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.65%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association	0.65%	$10,000	-	Learn More Add Review
Field & Main Bank	0.60%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.60%	$10,000	-	Learn More Add Review
1st Trust Bank, Inc.	0.60%	$10,000	-	Learn More Add Review
The Farmers Bank	0.55%	$500	-	Learn More Add Review
The Sacramento Deposit Bank	0.55%	$10,000	-	Learn More Add Review
Franklin Bank & Trust Company	0.55%	$10,000	-	Learn More Add Review
Clinton Bank	0.51%	$10,000	-	Learn More Add Review
The First National Bank of Russell Springs	0.50%	$10,000	-	Learn More Add Review
Bank of Edmonson County	0.50%	$10,000	-	Learn More Add Review
Taylor County Bank	0.50%	$1,000	-	Learn More Add Review
Bank of Cadiz and Trust Company	0.50%	$10,000	-	Learn More Add Review
First Kentucky Bank, Inc.	0.50%	$100,000	-	Learn More Add Review
Independence Bank of Kentucky	0.50%	$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)
Planters Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
First United Bank and Trust Company	0.50%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
Forcht Bank, National Association	0.50%	$10,000	-	Learn More Add Review
Meade County Bank	0.50%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton	0.50%	$100,000	-	Learn More Add Review
Home Savings Bank, FSB	0.50%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank	0.50%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Peoples Bank	0.50%	$500	-	Learn More Add Review
Citizens Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
United Citizens Bank of Southern Kentucky	0.50%	$10,000	-	Learn More Add Review
Peoples Exchange Bank	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Manchester	0.50%	$100,000	-	Learn More Add Review
Hyden Citizens Bank	0.50%	$10,000	-	Learn More Add Review
The Murray Bank	0.45%	$1,000	-	Learn More Add Review
Bank of Columbia	0.45%	$10,000	-	Learn More Add Review
Bank of Jamestown	0.45%	$10,000	-	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
Springfield State Bank	0.41%	$500	-	Learn More Add Review
First Federal Savings and Loan Association	0.40%	$500	-	Learn More Add Review
Town & Country Bank and Trust Company	0.40%	$10,000	-	Learn More Add Review
United Southern Bank	0.40%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.40%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company	0.40%	$500	-	Learn More Add Review
The Farmers Bank of Milton	0.40%	$500	-	Learn More Add Review
Bedford Loan & Deposit Bank	0.40%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Kentucky	0.40%	$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)
First & Peoples Bank and Trust Company	0.40%	$100,000	-	Learn More Add Review
The First National Bank of Grayson	0.40%	$100,000	-	Learn More Add Review
The Commercial Bank of Grayson	0.40%	$10,000	-	Learn More Add Review
Citizens Bank of Kentucky, Inc.	0.40%	$10,000	-	Learn More Add Review
First & Farmers National Bank, Inc.	0.40%	$10,000	-	Learn More Add Review
United Cumberland Bank	0.40%	$10,000	-	Learn More Add Review
Cumberland Valley National Bank & Trust Company	0.40%	$10,000	-	Learn More Add Review
Citizens Guaranty Bank	0.40%	$10,000	-	Learn More Add Review
Jackson County Bank	0.40%	$10,000	-	Learn More Add Review
Commercial Bank	0.40%	$10,000	-	Learn More Add Review
The First National Bank of Manchester	0.40%	$10,000	-	Learn More Add Review
Peoples Bank & Trust Company of Hazard	0.40%	$10,000	-	Learn More
Jc \| Aug 5, 2021 This bank is terrible never allow them to keep your money Read More Reviews (1)
FIRST NATIONAL BANK OF KENTUCKY	0.35%	$1,000	-	Learn More Add Review
Banterra Bank	0.35%	$10,000	-	Learn More Add Review
Fredonia Valley Bank	0.35%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company	0.35%	$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)
Commonwealth Community Bank, Inc.	0.35%	$10,000	-	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated	0.35%	$10,000	-	Learn More Add Review
Peoples Bank of Kentucky, Inc.	0.35%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company	0.35%	$10,000	-	Learn More Add Review
The First National Bank of Grayson	0.35%	$10,000	-	Learn More Add Review
Citizens Bank	0.35%	$10,000	-	Learn More Add Review
Farmers State Bank	0.35%	$1,000	-	Learn More Add Review
Lewisburg Banking Company	0.30%	$1,000	-	Learn More
kateast \| Jun 7, 2018 Friendly people; good place to do business. Read More Reviews (1)
The First National Bank of Williamson	0.30%	$100,000	-	Learn More Add Review
Auburn Banking Company	0.30%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.30%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Citizens Federal Savings and Loan Association	0.30%	$10,000	-	Learn More Add Review
Whitaker Bank	0.30%	$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)
The First National Bank of Brooksville	0.30%	$10,000	-	Learn More Add Review
Pinnacle Bank, Inc.	0.30%	$10,000	-	Learn More Add Review
FIRST STATE BANK OF THE SOUTHEAST, INC	0.30%	$10,000	-	Learn More Add Review
Farmers & Traders Bank of Campton	0.27%	$10,000	-	Learn More Add Review
First Community Bank of the Heartland, Inc.	0.26%	$500	-	Learn More Add Review
The Farmers National Bank of Lebanon	0.25%	$500	-	Learn More Add Review
Kentucky Farmers Bank Corporation	0.25%	$10,000	-	Learn More Add Review
The Monticello Banking Company	0.25%	$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)
Security Bank and Trust Company	0.25%	$10,000	-	Learn More Add Review
The Peoples Bank	0.25%	$10,000	-	Learn More Add Review
Traditional Bank, Inc.	0.25%	$10,000	-	Learn More Add Review
The Casey County Bank, Inc.	0.25%	$10,000	-	Learn More Add Review
Bank of the Bluegrass and Trust Company	0.25%	$500	-	Learn More Add Review
Hometown Bank of Corbin, Inc.	0.25%	$10,000	-	Learn More Add Review
The First National Bank of Williamson	0.20%	$10,000	-	Learn More Add Review
Commercial Bank	0.20%	$500	-	Learn More Add Review
Wilson & Muir Bank & Trust Company	0.20%	$10,000	-	Learn More Add Review
First Harrison Bank	0.20%	$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)
WesBanco Bank, Inc.	0.20%	$10,000	-	Learn More Add Review
Central Bank & Trust Company	0.20%	$10,000	-	Learn More
Pbar \| Mar 11, 2023 Best Bank in Lexington. FDIC insured but not ruled by the Fed. Read More Reviews (2)
Security Bank and Trust Co.	0.20%	$10,000	-	Learn More Add Review
Bank of Maysville	0.20%	$10,000	-	Learn More Add Review
PBK BANK, INC.	0.20%	$10,000	-	Learn More Add Review
Cumberland Security Bank, Inc.	0.20%	$10,000	-	Learn More Add Review
Bank of Lexington, Inc.	0.20%	$10,000	-	Learn More Add Review
Home Federal Bank Corporation	0.20%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Co. of Jackson	0.20%	$10,000	-	Learn More Add Review
The Paducah Bank and Trust Company	0.18%	$5,000	-	Learn More Add Review
The Citizens National Bank of Somerset	0.15%	$1,000	-	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)
Farmers Bank and Trust Company	0.15%	$500	-	Learn More Add Review
FNB Bank, Inc.	0.15%	$1,000	-	Learn More Add Review
Old National Bank	0.15%	$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)
The Peoples Bank	0.15%	$10,000	-	Learn More Add Review
The Farmers National Bank of Danville	0.15%	$10,000	-	Learn More Add Review
Sebree Deposit Bank	0.10%	$500	-	Learn More Add Review
First Kentucky Bank, Inc.	0.10%	$10,000	-	Learn More Add Review
First Southern National Bank	0.10%	$10,000	-	Learn More Add Review
First Financial Bank	0.10%	$10,000	-	Learn More Add Review
Peoples Bank	0.09%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmethreethousanddollars Read More Reviews (1)
The Citizens National Bank of Lebanon	0.08%	$10,000	-	Learn More Add Review
U.S. Bank National Association	0.05%	$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	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
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)

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

Certificates of Deposit - Branch Banks 2024

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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.

SAVINGS & CD CALCULATOR

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Lyndon, Kentucky CD Rates

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2024

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

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