Highest Club Savings Account Rates in Kentucky
11 Kentucky-specific products
The Kentucky market
Kentucky accounts
11
Institutions
8
Top Kentucky APY
2.02% APY
FDIC national average
0.37%
As of Sep 2026
11 club savings accounts are open only to Kentucky residents, from 8 institutions. The highest advertised APY among them is 2.02%.
3 of the 11 Kentucky club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Kentucky-Specific Club Savings Accounts
Club Savings accounts specifically available to Kentucky residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$202per year | Deposit Insurance FDIC InsuredRequires Linked Account Features No MinimumsIn-Person Access | $0 | |
| #2 | American Bank & Trust Company, Inc. Christmas Club 0.50%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #3 | American Bank & Trust Company, Inc. Vacation Club 0.50%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #4 | Show Details | +$25per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #5 | Show Details | +$15per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #6 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #7 | Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #8 | The Lincoln National Bank of Hodgenville Christmas Club Account 0.10%APY Min. balance: $10 Observed: Oct 13, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #9 | The Lincoln National Bank of Hodgenville Best of the Best Club 0.10%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #10 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #11 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 |
Morgantown Bank & Trust Company, Incorporated
Club Savings
What to Watch
A standing transfer from a Morgantown Bank & Trust checking account is required, weekly, bi-weekly or monthly, in an amount from $12 to $4,000 a month. The balance is paid out to that checking account once a year: a Christmas Club on or near September 25, a Vacation Club on or near March 25. A withdrawal before the annual payout is charged $10.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 275) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
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American Bank & Trust Company, Inc.
Christmas Club
What to Watch
The account matures at the end of October, when the funds are made available. Closing it before maturity costs a $20 penalty and forfeits the accrued interest.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35568) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
American Bank & Trust Company, Inc.
Vacation Club
What to Watch
The account matures at the end of March, when the funds are made available. Closing it before maturity costs a $20 penalty and forfeits the accrued interest.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35568) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Peoples Bank
Christmas Club w/Automatic Transfer
What to Watch
Total deposits are limited to $5,000 a year. A penalty applies if the account is closed early.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1562) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Sacramento Deposit Bank
Christmas Club Account
What to Watch
The balance is paid out by check in October each year.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8762) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Federal Savings Bank
Christmas Club
What to Watch
Funds are distributed once a year. An early distribution fee of $10 applies if funds are taken before the annual payout, and the account renews automatically.
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| Min. Deposit | $20 |
| Min. Balance | $20 |
| Maintenance Fee | No monthly service charge |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29056) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Peoples Bank
Christmas Club
What to Watch
Total deposits are limited to $5,000 a year. A penalty applies if the account is closed early.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1562) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Lincoln National Bank of Hodgenville
Christmas Club Account
What to Watch
Withdrawals are not allowed until maturity, and closing the account early costs $10. At the end of the term the funds are mailed out or transferred to another account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2750) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Lincoln National Bank of Hodgenville
Best of the Best Club
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2750) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Guaranty Bank
Christmas Club Savings
What to Watch
A deposit of at least $5 each month by automatic transfer from another FGB account is required. Funds are paid into an FGB account on the third Tuesday in October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14028) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Peoples Bank
Christmas Club Savings
What to Watch
Withdrawals are not allowed. The bank pays the balance out once a year.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1566) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |