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 317 results in Ohio
- 4.75%APY
Requirements
Product: Must open initial accounts in-person at a branch office. Penalties apply for early withdrawal. Select terms from 3 months to 5 years available; contact local branch for other terms and rates.
Offer: Requires $500 minimum balance to earn the APY. Penalty for early withdrawal.
Rate checked
More details - 4.50%APYwith conditions
Requirements
Product: A wide range of terms available (from 6 months to 5 years). Renews automatically upon maturity after 10-day grace period. Early withdrawals subject to penalty. Limited-time offer. Other restrictions may apply. Individual Retirement Account (IRA) CDs may be subject to additional restrictions.
Offer: Customers who qualify for both bonuses (50% new money + active checking customer opened prior to 9/1/2026) may earn up to 4.50% APY. Applicable to 12, 18, 24 Month CD only. Minimum balance to open and earn stated APY is $500.00. Base 4.00% APY + 0.35% + 0.15%.
Qualified rate · Effective Oct 26, 2026
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More details - 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: Deposits over $1,000,000 subject to review. CDs subject to penalty for early withdrawal. An early withdrawal may reduce earnings.
Offer: 12 Month Online CD
Effective Oct 30, 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 - 4.50%APY$450 over 1 year on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit required for 12 Month Special using funds not currently on deposit at GreenWay Bank. CD specials renew at a 12 Month term; all others renew at original term. Interest credited quarterly (3 Month compounded at maturity). Penalty may be imposed for early withdrawal.
Offer: 12 Month Special (new money). Compounding quarterly. Renews at a 12 Month term. $1,000 minimum opening deposit required using funds not currently on deposit at GreenWay Bank.
Promotional rate · 4.43% interest rate · Effective Sep 22, 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 - 4.40%APY$440 over 1 year on $10,000intro rate
Requirements
Product: All certificates are automatically renewable. $5,000.00 initial deposit required except those age 18 and under may open with $500. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. Public funds over $250,000.00 excluded from this offer.
Offer: 1 Year Certificate of Deposit. $5,000.00 initial deposit required except those age 18 and under may open with $500. Public funds over $250,000.00 excluded.
Promotional rate · 4.31% interest rate · Effective Oct 26, 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 - 4.35%APYwith conditions
Requirements
Product: A wide range of terms available (from 6 months to 5 years). Renews automatically upon maturity after 10-day grace period. Early withdrawals subject to penalty. Limited-time offer. Other restrictions may apply. Individual Retirement Account (IRA) CDs may be subject to additional restrictions.
Offer: CD Special: requires at least 50% new money. Applicable to 12, 18, 24 Month CD only. Minimum balance to open and earn stated APY is $500.00. Base 4.00% APY + 0.35% bonus.
Qualified rate · Effective Oct 26, 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 $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 30, 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 - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Interest is compounded daily and paid monthly (quarterly and annual payment also available). Fixed rate for the term of the certificate. May be set up to automatically renew. Early withdrawal penalties apply.
Offer: Early withdrawal penalty is 90 days. Daily compounding.
4.21% interest rate · Compounded daily · Effective Sep 2, 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
319 CDs at 248 banks and credit unions · checked Oct 30–31
- Typical
- 3.50%
- Top 10% from
- 4.10%
- Banks, typical
- 2.76%
- Credit unions, typical
- 3.55%
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Find your bank or credit union to see all its rates and how they compare near you.
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