Bank · FDIC insured
Osgood Bank CD Rates
Osgood Bank’s best CD rate is 3.04% APY on a 6-month CD. Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Osgood Bank’s CD rates compare
Compared with banks and credit unions near Sidney, OH, where Osgood Bank has the most branches. $10,000, best rate first.
This bank’s best
Osgood Bank
3.04%APY
- Term
- 6–11 months
- Minimum
- $1,000
- Earns on $10,000
- —
Certificate of Deposit
Top rate
Honda Federal Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $10,000
- Earns on $10,000
- $2,522
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Osgood Bank CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.53%
- QualifiedQualified3.04%
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 Osgood 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.
Certificate of Deposit
Up to 3.04%APY · 6 terms
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.04% | $151 |
| 12–17 months | 2.78% | $278 |
| 18–23 months | 2.53% | $382 |
| 24–29 months | 2.53% | $512 |
| 30–47 months | 2.53% | $645 |
| 48–60 months | 2.53% | $1,051 |
Special-purpose accounts
Certificate of Deposit (IRA)
Up to 3.04%APY · 6 terms
Schedule applies to both Personal and IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsAPY*; Min opening $1,000 | 3.04% | $151 |
| 12–17 monthsAPY*; Min opening $1,000 | 2.78% | $278 |
| 18–23 monthsAPY*; Min opening $1,000 | 2.53% | $382 |
| 24–29 monthsAPY*; Min opening $1,000 | 2.53% | $512 |
| 30–47 monthsAPY*; Min opening $1,000 | 2.53% | $645 |
| 48–60 monthsAPY*; Min opening $1,000 | 2.53% | $1,051 |
Sources (1)
- osgoodbank.com/rates/personal · captured Sep 17, 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.