Highest Money Market Rates in Kentucky
28 Kentucky-specific accounts
Top Kentucky Rate:4.00% APYFDIC or NCUA Insured
The Kentucky market
Kentucky accounts
28
Institutions
22
Top Kentucky APY
4.00% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
28 money market accounts are open only to Kentucky residents, from 22 institutions. The highest advertised APY among them is 4.00%.
The highest nationally available rate is 4.00% APY, the same as the Kentucky leader.
13 of the 28 Kentucky money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Kentucky-Specific Money Market Accounts
Money market accounts specifically available to Kentucky residents.
| Institution | Product / Term | APY |
|---|---|---|
| American Bank & Trust Company, Inc. | Money Market (Personal)needs at least $1,000,000 | Up to4.00% |
| Old National Bank | Market Monitorneeds at least $20,000 | Up to3.85% |
| Morgantown Bank & Trust Company, Incorporated | Performance Money Marketneeds at least $250,000 | Up to3.70% |
| Central Bank & Trust Co. | Personal Money Market Plusneeds at least $500,000 | Up to3.50% |
| Citizens Bank & Trust Company | Tiered Money Marketneeds at least $250,000 | Up to3.45% |
| First Federal Savings Bank | High Yield Money Marketneeds at least $1,000,000 | Up to3.25% |
| FirstBank | Consumer Fed Funds Money Marketneeds at least $100,000 | Up to3.15% |
| Armed Forces Bank, National Association | Premier Money Marketneeds at least $250,000 · promotional rate | Up to3.05% |
| Central Bank & Trust Co. | Central Money Market Personalneeds at least $250,000 | Up to2.75% |
| Heritage Bank, Inc. | Money Market Accountneeds at least $500,000 | Up to2.53% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| The Murray Bank | Personal Investmentneeds at least $250,000 | Up to2.00% |
| Kentucky Farmers Bank Corporation | Money Market Plus Personalneeds at least $100,000 | Up to1.25% |
| First Federal Savings Bank | First Choice Money Marketneeds at least $150,000 | Up to0.55% |
| Morgantown Bank & Trust Company, Incorporated | Omega Money Market | 0.50% |
| First Guaranty Bank | Guaranty Money Marketneeds at least $1,000,000 | Up to0.35% |
| First Federal Savings Bank | Money Marketneeds at least $10,000 | 0.25% |
| The Sacramento Deposit Bank | Money Market Accountneeds at least $25,000 | Up to0.25% |
| Kentucky Farmers Bank Corporation | Money Market | 0.20% |
| The Peoples Bank | Money Marketneeds at least $100,000 | Up to0.20% |
| Eclipse Bank, Inc. | Money Market Account | 0.15% |
| The Lincoln National Bank of Hodgenville | Hi Fi Account (Tiered Money Market)needs at least $100,000 | Up to0.15% |
| The Lincoln National Bank of Hodgenville | Premier Money Marketneeds at least $100,000 | Up to0.15% |
| Peoples Bank | Peoples Money Market | 0.10% |
| Town & Country Bank and Trust Company | Money Marketneeds at least $100,000 | Up to0.10% |
| Wilson & Muir Bank & Trust Company | Money Market Advantage | 0.10% |
| Peoples Bank, Mt. Washington | Peoples Money Marketneeds at least $75,000 | Up to0.06% |
| Republic Bank & Trust Company | Money Market Account | 0.05% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Kentucky.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |