Credit union · Privately insured
OHecu CD Rates
OHecu’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How OHecu’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where OHecu has the most branches. $10,000, best rate first.
This credit union’s best
OHecu
3.91%APY
- Term
- 12–17 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- —
Term Share Certificates
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
OHecu CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.67%
- 31–60 months31–60 mo2.33%
- QualifiedQualified3.82%
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 OHecu 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.
Term Share Certificates
Up to 3.91%APY · 8 terms
Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 1.10% | $27 |
| 3–5 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 1.05% | $26 |
| 3–5 monthsStandard Rate tier | 1.00% | $25 |
| 6–11 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 3.65% | $181 |
| 6–11 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 3.60% | $178 |
| 6–11 monthsStandard Rate tier | 3.55% | $176 |
| 12–17 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 3.91% | $391 |
| 12–17 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 3.85% | $385 |
| 12–17 monthsStandard Rate tier | 3.80% | $380 |
| 18–23 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 3.75% | $568 |
| 18–23 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 3.70% | $560 |
| 18–23 monthsStandard Rate tier | 3.65% | $552 |
| 24–35 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 2.52% | $510 |
| 24–35 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 2.47% | $500 |
| 24–35 monthsStandard Rate tier | 2.42% | $490 |
| 36–47 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 2.42% | $744 |
| 36–47 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 2.37% | $728 |
| 36–47 monthsStandard Rate tier | 2.32% | $712 |
| 48–59 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 2.12% | $875 |
| 48–59 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 2.07% | $854 |
| 48–59 monthsStandard Rate tier | 2.02% | $833 |
| 60 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 1.10% | $562 |
| 60 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 1.05% | $536 |
| 60 monthsStandard Rate tier | 1.00% | $510 |
Sources (3)
All captured Oct 6, 2026
Monthly Dividend Certificate
Up to 3.82%APY · 8 terms
The dividend rate is the same as the rate for the various terms stated in the term share certificate schedule. APY does not apply because the member receives a monthly dividend disbursement. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsStandard Rate tier. APY does not apply due to monthly dividend disbursement | 1.01% | $25 |
| 6–11 monthsStandard Rate tier. APY does not apply due to monthly dividend disbursement | 3.56% | $176 |
| 12–17 monthsStandard Rate tier. APY does not apply due to monthly dividend disbursement | 3.82% | $382 |
| 18–23 monthsStandard Rate tier. APY does not apply due to monthly dividend disbursement | 3.67% | $556 |
| 24–35 monthsStandard Rate tier. APY does not apply due to monthly dividend disbursement | 2.43% | $492 |
| 36–47 monthsStandard Rate tier. APY does not apply due to monthly dividend disbursement | 2.33% | $715 |
| 48–59 monthsStandard Rate tier. APY does not apply due to monthly dividend disbursement | 2.02% | $833 |
| 60 monthsStandard Rate tier. APY does not apply due to monthly dividend disbursement | 1.01% | $515 |
Sources (1)
- ohecu.com/savings-rates · captured Oct 16, 2026
Step-Up 18
Up to 0.70%APY · 1 term
Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 0.70% | $105 |
| 18 monthsSilver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 0.65% | $98 |
| 18 monthsStandard Rate tier | 0.60% | $90 |
Special-purpose accounts
I.R.A. Term Certificate
Up to 3.91%APY · 8 terms
Minimum deposit to open is $500.00. Rates apply to all IRA Plan Types (Regular/Traditional, Roth & Education). Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsGold Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 1.10% | $27 |
| 3–5 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 1.05% | $26 |
| 3–5 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 1.00% | $25 |
| 6–11 monthsGold Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 3.65% | $181 |
| 6–11 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 3.60% | $178 |
| 6–11 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 3.55% | $176 |
| 12–17 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 3.91% | $391 |
| 12–17 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 3.85% | $385 |
| 12–17 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 3.80% | $380 |
| 18–23 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 3.75% | $568 |
| 18–23 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 3.70% | $560 |
| 18–23 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 3.65% | $552 |
| 24–35 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 2.52% | $510 |
| 24–35 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 2.47% | $500 |
| 24–35 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 2.42% | $490 |
| 36–47 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 2.42% | $744 |
| 36–47 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 2.37% | $728 |
| 36–47 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 2.32% | $712 |
| 48–59 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 2.12% | $875 |
| 48–59 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 2.07% | $854 |
| 48–59 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 2.02% | $833 |
| 60 monthsGold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 1.10% | $562 |
| 60 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 1.05% | $536 |
| 60 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 1.00% | $510 |
I.R.A. Step-Up 18
Up to 0.70%APY · 1 term
Minimum deposit to open is $500.00. Rates apply to all IRA Plan Types (Regular, Roth & Education). Early withdrawal penalty may apply. Maturity in whole months only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsGold Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month) | 0.70% | $105 |
| 18 monthsSilver Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education). Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month) | 0.65% | $98 |
| 18 monthsStandard Rate tier. Rates apply to all IRA Plan Types (Regular, Roth & Education) | 0.60% | $90 |
Who can join OHecu
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of businesses partnered with OHecu through the Select Employer Group (SEG) program are eligible for membership.
Military, government and schools
- Employees and retirees of educational institutions in Ohio are eligible for membership.
- Individuals of organizations in Ohio that incorporate schools or educational programs in their general operations are eligible for membership.
- Students and alumni of educational institutions in Ohio are eligible for membership.
- Individuals in Ohio offering educational services or activities, such as tutors, are eligible for membership.
Family and household
- Relatives of existing members (including spouse, child, sibling, parent, grandparent, or grandchild) are eligible for membership.
Membership information collected October 5, 2026.