Credit union · NCUA insured
CINCINNATI EMPLOYEES CD Rates
CINCINNATI EMPLOYEES’s best CD rate is 4.00% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How CINCINNATI EMPLOYEES’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where CINCINNATI EMPLOYEES has the most branches. $10,000, best rate first.
This credit union’s best
CINCINNATI EMPLOYEES
4.00%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,249
Certificates of Deposit (Share Certificates)
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
CINCINNATI EMPLOYEES CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo0.60%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CINCINNATI EMPLOYEES ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (Share Certificates)
Up to 4.00%APY · 4 terms
Must deposit a minimum of $1000.00 to open a certificate. Early withdrawal penalty applies. Rates subject to change monthly by the Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.60% | $30 |
| 12 months | 3.55% | $355 |
| 24 months | 3.80% | $774 |
| 36 months | 4.00% | $1,249 |
Special-purpose accounts
IRA Share Certificate
Up to 4.00%APY · 3 terms
Available as Roth or Traditional IRA share certificate. No annual fees or service charges.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 24 months | 3.65% | $743 |
| 36 months | 4.00% | $1,249 |
Who can join CINCINNATI EMPLOYEES
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.