Credit union · NCUA insured
Credit Union of Ohio CD Rates
Credit Union of Ohio’s best CD rate is 3.75% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Credit Union of Ohio’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where Credit Union of Ohio has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of Ohio
3.75%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,021
Regular Certificates
Top rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,802
Credit Union of Ohio CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 Credit Union of Ohio 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.
Regular Certificates
Up to 3.75%APY · 8 terms
Dividends compound quarterly. Early withdrawal penalty applies. $500 min. to open regular certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.05% | $75 |
| 6 months | 3.30% | $164 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.75% | $2,021 |
Sources (2)
All captured Oct 6, 2026
Bump Up Certificates
3.25%APY · 2 terms
Bump Up is a one-time adjustment to current rate, up to 100 basis points (1.00%). Dividends compound quarterly. Early withdrawal penalty applies. Exercising your bump-up option means that your rate will adjust to the stated current rate at the time you exercise the option. Maximum rate adjustment of 100 basis points. The new rate will carry forward from the date you exercise the bump-up option and will not be retroactive.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 20 months$5,000 min. to open 20-month. Bump Up is a one-time adjustment to current rate, up to 100 basis points | 3.25% | $548 |
| 30 months$10,000 min. to open 30-month. Bump Up is a one-time adjustment to current rate, up to 100 basis points | 3.25% | $832 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Educational Growth Certificate
3.75%APY
Fixed rate. Matures on child's/minor's 18th birthday. $200 min. to open. Dividends compound monthly. There is a penalty for early withdrawal. This account is not renewable upon maturity. All proceeds from this account are reported under the minor's social security for tax purposes.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFixed rate. Term matures on child's/minor's 18th birthday. Not renewable upon maturity. Dividends compound monthly. There is a penalty for early withdrawal. All proceeds from this account are reported under the minor's social security for tax purposes.Any balance | 3.75% | $375 | Fixed rate. Term matures on child's/minor's 18th birthday. Not renewable upon maturity. Dividends compound monthly. There is a penalty for early withdrawal. All proceeds from this account are reported under the minor's social security for tax purposes. |
Sources (3)
- cuofohio.org/rates/deposit-rates.html
- cuofohio.org/bank/certificates-iras.html
- cuofohio.org/modal-windows/edu…h-certificate-rates.html
All captured Oct 6, 2026
IRA Certificates
Up to 3.75%APY · 8 terms
Traditional and Roth IRAs. Dividends compound quarterly. Early withdrawal penalty applies. Additional deposits permitted to an IRA Certificate account only. $100 min. to open IRA certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.05% | $75 |
| 6 months | 3.30% | $164 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.75% | $2,021 |
Sources (2)
All captured Oct 6, 2026
Who can join Credit Union of Ohio
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Cuyahoga, Delaware, Fairfield, Franklin, Geauga, Lake, Licking, Lorain, Madison, Mahoning, Medina, Pickaway, Portage, Summit, Trumbull, or Union County, Ohio are eligible to join.
Employers and groups
- Employees of listed Select Employer Groups (including American Cancer Society - East Central Division, AMP - American Municipal Power, BMW Financial Services, Columbus West Park Nursing & Rehab, Disability Rights Ohio, Kellogg's Company - Zanesville, LifeSkills Centers, Stewart Enterprises, Union Benefits Trust, Whole Foods Stores Columbus, and Yaschco Systems, Inc.) are eligible for membership.
Military, government and schools
- Employees and participants/retirees of listed Ohio state, government, education, and public retirement entities are eligible for membership.
- Current and retired employees of the State of Ohio are eligible for membership.
- Students attending any school (elementary through universities or trade schools) in Cuyahoga, Delaware, Fairfield, Franklin, Geauga, Lake, Licking, Lorain, Madison, Mahoning, Medina, Pickaway, Portage, Summit, or Trumbull County, Ohio are eligible for membership.
Family and household
- Family members (child, grandchild, sibling, parent, spouse, grandparent, aunt/uncle, cousin, or stepfamily) of a current Credit Union of Ohio member in good standing are eligible to join.
Membership information collected October 5, 2026.