Best credit union CD rates in Kentucky
KEMBA Credit Union has the highest APY in this tracked sample of 5 institutions: 4.35% APY for 40 months, verified October 22, 2026.
These institutions list Kentucky in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| KEMBA Credit Union | 40 monthsCertificate Special · Promotional | $500 | Membership required · branches in IN, KY, OH | 4.35% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Membership required · branches in 33 states | 4.35% | October 22, 2026 Source text |
| Delta Community Credit Union | 12 monthsCertificate of Deposit · Standard | $1,000 | Membership required · branches in GA, KY, TX, UT | 4.00% | October 22, 2026 Source text |
| Park Community Credit Union | 9 monthsShare Certificate · Standard | $500 | Membership required · branches in IN, KY | 3.75% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
Other Kentucky institutions we don't verify yet
These banks and credit unions serve Kentucky, but we do not publish their rates, so they are not ranked above. Check their current rates on their own websites.
- German American Bank Bank · HQ Jasper, IN We have not found a complete CD rate table on its website that we can verify daily. Checked October 22, 2026. Current rates on germanamerican.com
- Old National Bank Bank · HQ Evansville, IN We have not found a complete CD rate table on its website that we can verify daily. Checked October 22, 2026. Current rates on www.oldnational.com
Compare with public benchmarks
The highest tracked quote is 4.35% APY for 40 months. The Treasury APY-equivalent for a similar term is 4.96% (2026-10-21). The FDIC national average for a similar term is 1.39% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
KEMBA Credit Union has the highest APY in this tracked sample of 5 institutions: 4.35% APY for 40 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes