Compare Bank & Credit Union Rates
Best CD rates in Ohio
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Ohio
- First Choice America Community Federal Credit UnionCertificate SpecialsCD · 15 months · $500 min
Credit union · 2 branches
5.22%APY$657 over 15 months on $10,000intro rateRequirements
Product: Limited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required. Federally insured by NCUA.
Offer: Limited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required.
Promotional rate · Effective Mar 4, 2024
Rate checked
More details - 5.15%APY$1,338 over 30 months on $10,000
Effective Aug 5, 2026
Rate checked
More details - 5.10%APY$4,165 over 84 months 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.
4.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - 5.06%APY$2,802 over 60 months on $10,000
Requirements
Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.
Offer: Fourth Qtr Dividend Rates. Rates are subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.
4.95% interest rate
Rate checked
More details - 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 - 7 17 Credit UnionCertificateCD · 60 months · $500 min · 4.75%–5.00% by balance
Credit union · 16 branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Penalty for early withdrawal.
4.67% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 4.75% $250,000 and upSpecial Jumbo Certificate Bonus (+0.25% APY). 5.00% Rate checked
More details - 4.71%APY$1,481 over 36 months 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.
4.60% interest rate · Effective Oct 5, 2026
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More details - 4.70%APY$1,477 over 36 months on $10,000
Requirements
Product: Features include a one-time additional deposit and a one-time rate change/bump during the term with no penalty. Minimum deposit to open is $5,000.00. Term: 36 months.
Offer: Allows one rate change and one-time additional deposit during the term with no penalty. Minimum daily balance to earn dividends is $5,000.00.
4.60% interest rate · Effective Oct 1, 2026
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More details - 4.60%APY$1,023 over 26 months on $10,000intro rate
Requirements
Offer: Special
Promotional rate · 4.51% interest rate · Effective Oct 7, 2026
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More details - 4.60%APY$1,402 over 35 months on $10,000with conditions
Requirements
Product: Limited time offer. Minimum opening deposit is $250; minimum daily balance of $250 required to obtain APY. Compounded quarterly and at end of term. Early withdrawal penalty may apply. Rollover terms apply if no action is taken at maturity.
Offer: Requires Flagship Checking Account (.25% interest rate bump). Flagship checking account must remain open for 6 months or an early account closing fee of $25 applies. Trust, Estate, specialty titled accounts, and employees excluded.
Qualified rate · 4.53% interest rate · Compounded quarterly · Effective Sep 4, 2026
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More details - 4.60%APY$2,475 over 59 months on $10,000intro rate
Requirements
Product: Offer good for initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD specials, that is closest but not exceeding the term to the CD. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily. Penalty may be imposed to early withdrawal. Fees could reduce earnings on the account. Product offering may be withdrawn at any time. Advertised rate and APY are offered at the bank’s discretion and may change daily. The minimum balance to open an account and obtain the Annual Percentage Yield (APY) shown is $500.
Promotional rate · 4.50% interest rate · Compounded daily
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More details - 4.60%APY$2,522 over 60 months on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
Offer: Premier tier. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 12, 2026
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More details - 4.58%APY$1,962 over 48 months on $10,000
Requirements
Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
4.50% interest rate · Effective Dec 31, 2024
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More details - 4.55%APY$1,948 over 48 months on $10,000
Requirements
Product: Minimum deposit of $500.00. Dividends are paid monthly. Terms ranging from 6 to 60 months.
Offer: Minimum $500.00; Dividends paid monthly
4.45% interest rate
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More details - 4.55%APY$3,654 over 84 months on $10,000
Requirements
Product: Certificates require a $1,000.00 minimum deposit. Rates change each Tuesday. Substantial interest penalty for early withdrawal.
Offer: Term: 7 Years. Substantial interest penalty for early withdrawal. Rates change each Tuesday.
4.55% interest rate · Effective Oct 14, 2026
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More details
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 CDs pay in Ohio
2,471 CDs at 267 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.07%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.50%
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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
- Chivaho Federal Credit UnionCredit union · 1 branch