Savings Accounts
Save Greater
Better rates, real guidance, and personal service that puts you first.
Choose the Savings That Helps You Save Greater.
At Greater Kentucky Credit Union, we believe saving isn’t just about numbers — it’s about peace of mind, progress, and people. For over 70 years, we’ve helped Kentuckians turn small, steady habits into lasting financial confidence.
High-Yield Savings
- Take your saving to the next level. Pair with a Rewards Checking account to earn up to 3.00% APY, with full access to your funds. Simple qualifications, no penalties, and competitive returns that help you save greater, faster.
Money Market
- Want to earn higher dividends while still maintaining the liquidity of a regular savings? A Money Market Account may be right for you. It's a great way to save money while you earn more.
Traditional Savings
- Your foundation. Earn quarterly dividends. No monthly fees. Immediate access for everyday needs.
Individual Retirement Accounts (IRAs)
- Greater Kentucky Credit Union offers a full range of IRAs and certificates designed to help you save greater — from Traditional and Roth IRAs with flexible, tax-advantaged options to Coverdell Education Accounts that support your child’s future.
Trying to pick just one savings account often means settling — either for low rates, limited access, or a mismatch with your goals. Whether you're saving for next month’s bills, retirement, a holiday, or a child’s future, you need options that flex with your life stage.
You deserve to save greater, meaning flexibility, value, and clarity, no matter where you are in your financial journey.
Your Growth Should Always Be Greater
Big Bank Tools,
Local Support
With Greater Kentucky Credit Union’s Mobile Banking, you get all the tools of a big bank, secure transfers, mobile deposits, bill pay, and account alerts, without losing the personal touch.
Our local team is always ready to support you, so whether you’re troubleshooting a transfer or setting up a new feature, you’re never just a number. Banking on the go has never been easier—or more human.
Security
Industry standard security for your mobile banking experience.
Local Support
Our IT team is here to make your mobile banking experience simple.
Earn up to 3% APY* with High Yield Savings
Earn up to 3.00% APY — That’s nearly 7× higher than the national average savings rate of 0.40%.
~ Nerd Wallet/FDIC
How to Get Started
(859) 231-9300
Talk to a Team Member
memberservice@gtkycu.com
Email a Team Member
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How do I join Greater Kentucky Credit Union?
You can become a member online in just a few minutes or visit one of our Lexington or Versailles branches. Membership is open to anyone who lives, works, worships, or studies in Central Kentucky.
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How do I choose the right account for me?
Our team is here to help you find the perfect fit. Whether you’re looking for everyday checking, a high-yield savings account, or both, we’ll walk you through your options and make the process simple.
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What happens after I open my account?
Once your account is active, you’ll enjoy better rates, fewer fees, and ongoing support from real local people who care about your success.
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Can I manage my account online or on my phone?
Yes! GTKY offers full-service online and mobile banking with secure access to your balances, transfers, mobile deposits, bill pay, and more — available 24/7 from anywhere.
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Are there fees to open or maintain my account?
Most GTKY checking and savings accounts come with no monthly fees or minimum balance requirements. We believe in transparency — no surprises, just better banking.
Refinance & Greater Savings
"Greater Kentucky Credit Union was a lifesaver for me! I was paying an extremely high interest rate on my auto loan. Greater Kentucky Credit Union was able to cut my rate in half, reduce the term of my loan, and save me money on my monthly payments. They also helped me open a fantastic account with an amazing interest rate."
Evan B.
Lexington, KY
High Yield Checking
"My husband and I moved to Lexington from out of state, and we were looking for the right financial institution for us—one that wasn’t too big and offered top notch customer service and a personalized experience. We have been thrilled with the cashback from our high yield checking account and the services we have received thus far. The Lexington branch is convenient to both our places of work, and mobile banking works well for us."
Brittany D.
Lexington, KY
Better Checking, Greater Service
"Heard they were offering 4% annually on a checking account, so I opened an account for my wife and I. Process could not have gone any smoother! Shoutout to Susan for making the process extremely simple and straightforward. The staff I've spoken to have all been pleasant and seem knowledgeable about current offers and rates."
