Bank · FDIC insured
Ohio State Bank CD Rates
Ohio State Bank’s best CD rate is 4.25% APY on a 13-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Ohio State Bank’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where Ohio State Bank has the most branches. $10,000, best rate first.
This bank’s best
Ohio State Bank
4.25%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $461
Certificates of Deposit
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
Ohio State Bank CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.25%
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 Ohio State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.25%APY · 8 terms
A penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 3.75% | $186 |
| 9 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 4.00% | $299 |
| 12 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 3.75% | $375 |
| 13 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 4.25% | $461 |
| 24 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 1.50% | $302 |
| 36 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 1.75% | $534 |
| 48 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 1.85% | $761 |
| 60 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 2.00% | $1,041 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA CD
Up to 4.25%APY · 8 terms
All certificates are available as IRAs. A penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 3.75% | $186 |
| 9 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 4.00% | $299 |
| 12 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 3.75% | $375 |
| 13 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 4.25% | $461 |
| 24 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 1.50% | $302 |
| 36 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 1.75% | $534 |
| 48 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 1.85% | $761 |
| 60 monthsA penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts | 2.00% | $1,041 |
Sources (2)
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.