Best Banks & Credit Unions in Winchester, Kentucky
Banks and credit unions serving Winchester, Kentucky. Compare up to 0.25% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Winchester, Kentucky. All rankings inherit from the Kentucky state directory. Every institution listed is licensed to serve Winchester residents and is either headquartered in Kentucky or operates branches in the metro.
Top options in Winchester
- Commonwealth Credit Union: 4.00% APY. 12-month Certificate: $500 minimum; substantial penalties apply for early withdrawal; the 6-month and 15-month certificates at 4.00% and 4.10% are new-money only. Read Sep 7, 2026 on ccuky.org. Rates as of 2026-09-01 per the page.
- Navy Federal Credit Union: 3.70% APY. 12-month Short-Term Certificate: $1K minimum APY column; 3.70% at $1K and $20K, 3.75% at $100K; penalties apply for early withdrawal. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
- Kemba Credit Union: 3.65% APY. 12-month Certificate: Minimum balance to open and earn dividends: $500.00; early withdrawals subject to penalty; the 19 Month Special pays 4.10% APY. Read Sep 7, 2026 on kemba.com. Rates as of 2026-07-28 per the page.
- CommunityAmerica Credit Union: 3.40% APY. 12-month Share Certificate: Minimum deposit for a Share Certificate is $500; substantial penalty for early withdrawal; the 7-month and 11-month terms pay 3.80% APY. Read Sep 7, 2026 on communityamerica.com. Rates as of 2026-09-06 per the page.
- CommunityAmerica Credit Union: 3.20% APY. Advantage Money Market: One rate on all balances; $1,000 minimum opening deposit; a $10 monthly fee applies if the balance falls below $1,000 at any time; the tiered Premier Money Market pays 0.25% APY on $0.00-$9,999.99. Read Sep 7, 2026 on communityamerica.com. Rates as of 2026-09-06 per the page.
- Kemba Credit Union: 2.00% APY. Money Market: $2,500-$24,999 tier; $250,000 and up earns 3.00% APY. Read Sep 7, 2026 on kemba.com. Rates as of 2026-07-28 per the page.
Other Kentucky cities
See the full Kentucky banks directory for every institution we've verified in the state, plus the underlying methodology.