Compare Bank & Credit Union Rates
Best CD rates in Toledo, OH
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Toledo, OH
- 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
Rate checked
More details - Cornerstone Community Financial Credit UnionCertificate of DepositCD · 7 months · $1,000 min
Credit union · 1 branch
4.40%APY$254 over 7 months on $10,000intro rateRequirements
Product: Must maintain an average daily balance of $1,000 to earn the APY. A penalty may be imposed for early withdrawals.
Offer: NEW MONEY Special Offer. Funds must be new money not already on deposit at CCFCU. Maximum CD amount is $500,000. Product may be modified or discontinued at any time.
Promotional rate · 4.40% interest rate · Balance cap $500,000 · Effective Nov 1, 2025
Rate checked
More details - 4.30%APY$652 over 18 months 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 Funds can be withdrawn for a down payment on a SFCU loan without penalty.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.
4.22% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 4 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Minimum balance to open share certificate is $1,000.00. Dividends compounded quarterly. 90-day penalty for early withdrawal for terms 3-12 months; 180-day penalty for terms 18-60 months.
Offer: Dividends compounded quarterly. 180-day penalty for early withdrawal.
4.14% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 1 branch
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% Rate checked
More details - Toledo Urban Federal Credit UnionShare CertificateCD · 12 months · $250 min
Credit union · 2 branches
4.08%APY$408 over 1 year on $10,0004.00% interest rate
Rate checked
More details - Jeep Country Federal Credit UnionSpecial CertificateCD · 6 months · $1,000 min
Credit union · 2 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Investment Rates are found by calling the Credit Union. Share certificates have fixed rates for fixed terms and incur a penalty for early withdrawal. Dividends cannot be paid in excess of earnings.
Offer: Share certificates have fixed rates for fixed terms and incur a penalty for early withdrawal.
3.94% interest rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: Early withdrawal penalty: 90 days dividends
3.94% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.00%APY$1,030 over 30 months on $10,000
Requirements
Product: Dividends for 3-month term are paid at maturity and do not compound; dividends for 6-60 month terms compound and are paid quarterly. Minimum opening deposit is $1,000 for 3-month CD and $500 for 6-60 month CDs. Early withdrawal penalties apply. Automatic renewal with 7-day grace period. Membership open to anyone who lives, works, worships, or attends school in Lucas, Wood, Fulton, or Ottawa Counties, OH.
Offer: Dividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - Superior Credit UnionWealthBuilder Share CertificateCD · 12 months · $100 min
Credit union · 1 branch
3.95%APY$395 over 1 year on $10,000Requirements
Product: Minimum balance to open $100.00. Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week.
Offer: Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week.
3.89% interest rate · Effective Oct 1, 2026
Rate checked
More details - Superior Credit UnionPercy Pig Super Saver CertificateCD · 12 months · $100 min
Credit union · 1 branch
3.95%APY$395 over 1 year on $10,000Requirements
Product: Minimum balance to open $100.00. Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week. Additional deposits permitted.
Offer: Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week. Allows adding to certificate.
3.89% interest rate · Effective Oct 1, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Toledo, OH
229 CDs at 22 banks and credit unions · checked Oct 16–22
- Typical
- 2.25%
- Top 10% from
- 4.10%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Toledo, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 2 branches
- Fremont Federal Credit UnionCredit union · 1 branch
- Directions Credit UnionCredit union · 9 branches