Compare Bank & Credit Union Rates
Best CD rates in Cincinnati, OH
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–55 results in Cincinnati, OH
- 0.30%APY$45 over 18 months on $10,000
Requirements
Product: *$500.00 Minimum deposit to open. Early withdrawal penalties may apply. Renewal Term is 18 months for the 18 Month CD.
Offer: Renewal term is 18 months.
0.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.25%APY$19 over 9 months on $10,000
Requirements
Product: *$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
0.25% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.25%APY$25 over 1 year on $10,000
Requirements
Product: *$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
0.25% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.20%APY$10 over 6 months on $10,000
Requirements
Product: *$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.20%APY$100 over 60 months on $10,000
Requirements
Product: Fixed interest rate for the term of certificate. For personal and business accounts under $100,000 only. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: In-branch rate for Zip Code 15701. Fixed rate. For personal and business accounts under $100,000 only. Not valid for institutional investors. Substantial penalty for early withdrawal.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$2 over 3 months on $10,000
Requirements
Product: *$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
0.10% interest rate · Effective Oct 16, 2026
Rate checked
More details - Cincinnati Interagency Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
0.10%APY$5 over 6 months on $10,000Requirements
Product: Golden Club members receive a 0.05% incentive bonus for all term certificates. Early withdrawal penalty is 90 days of dividends.
Offer: Golden Club members receive an additional 0.05% bonus.
0.10% interest rate · Effective Feb 3, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
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 Cincinnati, OH
257 CDs at 22 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 0.15%
- Credit unions, typical
- 3.35%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Cincinnati, OH-KY-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 5 branches
- CommunityAmerica Credit UnionCredit union · 1 branch
- Central BankBank · 4 branches