Credit union · Privately insured
Greater Cincinnati Credit Union CD Rates
Greater Cincinnati Credit Union’s best CD rate is 3.66% APY on a 6-month share certificate (CD). Terms run from 6 months to 6 years. Rates checked October 16, 2026.
How Greater Cincinnati Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Greater Cincinnati Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Cincinnati Credit Union
3.30%APY
- Term
- 6 months
- Minimum
- $300
- Earns on $10,000
- $164
Regular 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
Greater Cincinnati Credit Union CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.30%
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 Greater Cincinnati Credit Union 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.
Jumbo Share Certificates
3.66%APY · 1 term
All Term Certificates are subject to penalties for early withdrawal. Dividends Paid Monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.66% | $181 |
Regular Share Certificates
Up to 3.30%APY · 8 terms
All Term Certificates are subject to penalties for early withdrawal. Dividends Paid Monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.30% | $164 |
| 12 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.30% | $330 |
| 24 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.25% | $661 |
| 30 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.25% | $832 |
| 36 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $991 |
| 48 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $1,343 |
| 60 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $1,706 |
| 72 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $2,080 |
Sources (3)
All captured Oct 16, 2026
One Up Share Certificates
Up to 3.25%APY · 3 terms
Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate. All Term Certificates are subject to penalties for early withdrawal. Dividends Paid Monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.25% | $832 |
| 48 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $1,343 |
| 72 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $2,080 |
Special-purpose accounts
Diamond Club Certificates
Up to 3.82%APY · 5 terms
Diamond Club members are full service members with a Share Savings Account, Share Draft Checking Account, Visa Debit Card and VISA Credit Card. All Term Certificates are subject to penalties for early withdrawal. Dividends Paid Monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.82% | $382 |
| 24 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.76% | $766 |
| 36 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.71% | $1,155 |
| 60 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.71% | $1,998 |
| 72 monthsDividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.71% | $2,443 |
IRA Share Certificate
Up to 3.30%APY · 7 terms
IRA's may be invested in a Share Certificate of at least a 1 yr. term. Available for Traditional, Roth, or Coverdell Education Savings IRAs. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum term 1 year. Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.30% | $330 |
| 24 monthsMinimum term 1 year. Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.25% | $661 |
| 30 monthsMinimum term 1 year. Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.25% | $832 |
| 36 monthsMinimum term 1 year. Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $991 |
| 48 monthsMinimum term 1 year. Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $1,343 |
| 60 monthsMinimum term 1 year. Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $1,706 |
| 72 monthsMinimum term 1 year. Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account | 3.20% | $2,080 |
Sources (2)
All captured Oct 16, 2026
Who can join Greater Cincinnati Credit Union
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