Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 198 results in Ohio
- 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.
Offer: Minimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit.
4.41% interest rate · Effective Oct 29, 2026
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More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. After account is opened, no deposits/withdrawals permitted until maturity date. Certificates automatically renew at maturity for same term at current market rate. Available on terms from 6 months to 60 months (and 3 month term). Option to choose whether dividends are compounded internally, paid by check, or deposited to another GenFed account.
4.41% interest rate · Effective Oct 1, 2026
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More details - 4.45%APY$445 over 1 year on $10,000
Requirements
Product: $500 minimum balance. Lock in a rate for a specific term. Same terms/conditions apply as with certificate accounts. Dividends are compounded daily and paid monthly. No custodial fees. Dividend forfeiture for principal monies withdrawn prior to maturity.
Offer: Fixed rate for 12 months. $500 minimum balance. Dividend forfeiture for principal monies withdrawn prior to maturity. No custodial fees.
4.35% interest rate · Compounded daily · Effective Oct 21, 2026
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More details - DoverPhila Federal Credit UnionCertificate AccountsCD · 12 months · $500 min
Credit union · 6 branches
4.45%APY$445 over 1 year on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Minimum deposit to open is $500 ($250 for DP's Kids Club or Savers Club accounts). Automatic renewal at maturity. Early withdrawal penalty / dividend forfeiture applies for principal monies withdrawn prior to maturity. No setup or maintenance fees.
Offer: Fixed rate for 12 months. Minimum deposit to open is $500 ($250 for DP's Kids Club or Savers Club members). Dividend forfeiture for principal withdrawn prior to maturity.
4.35% interest rate · Compounded daily · Effective Oct 21, 2026
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More details - 4.39%APY$439 over 1 year on $10,000
Requirements
Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.
4.30% interest rate · Effective Oct 5, 2026
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More details - 4.32%APY$432 over 1 year on $10,000
Requirements
Product: Rates remain fixed for the term of the certificate. Dividends are compounded quarterly. Early withdrawal penalties apply.
Offer: Fixed rate. Dividends compounded quarterly. Early withdrawal penalties apply.
4.25% interest rate · Compounded quarterly · Effective Oct 28, 2026
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More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Share Certificates terms range from 6 to 60 months. 12-month term or longer features a rate bump option. Subject to early withdrawal penalties.
Effective Oct 30, 2026
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More details - Friends and Family Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 3 branches
4.28%APY$428 over 1 year on $10,000with conditionsRequirements
Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.
Offer: Certificate SPECIAL rate.
Qualified rate · Effective Oct 30, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Fixed rates compounded monthly. Funds can be withdrawn for a down payment on a SFCU loan without penalty. Penalty may be imposed for early withdrawal.
4.17% interest rate · Compounded monthly · Effective Oct 30, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
Effective Sep 22, 2026
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More details - 4.25%APY
Requirements
Product: No monthly service fee. Early withdrawal penalties apply. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share.
Offer: Term 12-17 Months.
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Dividends are paid monthly on all savings products. Penalty for early withdrawal. $500 minimum deposit on Certificates, $5,000 minimum deposit for Promotional Certificates.
Offer: Penalty assessed for early withdrawal.
4.17% interest rate
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
4.16% interest rate
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Dividends compound monthly and are computed on daily balance. Fixed rate of maturity. Up to three-month dividend penalty for early withdrawal prior to maturity. Offers subject to Achieve CU membership eligibility.
Offer: Dividends compound monthly.
4.17% interest rate · Effective Oct 1, 2026
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More details - Fasson Employees' Federal Credit UnionCertificate AccountsCD · 12 months · $1,000 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000Requirements
Product: Available to all U.S. employees of Avery Dennison Corporation and their family members.
Offer: Dividends are paid at maturity. Additional deposits are not allowed.
4.25% interest rate · Effective Sep 23, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay in Ohio
199 CDs at 156 banks and credit unions · checked Oct 30–31
- Typical
- 3.55%
- Top 10% from
- 4.08%
- Credit unions, typical
- 3.55%
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Ohio
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 16 branches
- Homeland Credit UnionCredit union · 5 branches
- Wright-Patt Credit UnionCredit union · 41 branches