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 151–165 results in Ohio
- 4.00%APY$502 over 15 months on $10,000intro rate
Requirements
Product: Public Funds ineligible for promotional CD rates.
Offer: Penalty: 6 Months. Public Funds ineligible for promotional CD rates.
Promotional rate · 3.92% interest rate · Effective Sep 22, 2026
Rate checked
More details - Friends and Family Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · 3 branches
4.00%APY$606 over 18 months 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: Family Advantage Platinum tier.
Qualified rate · 3.94% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Terms range from 3 months to 6 years. Early withdrawal penalty applies. Special rate offers limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions.
Offer: Special rate offer limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions. Penalty for early withdrawal.
3.92% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Compounded monthly. Penalty for early withdrawal. Service fees or penalties charged against the account may reduce earnings. Rates subject to change.
Offer: Compounded monthly.
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$816 over 24 months on $10,000
Rate checked
More details - 4.00%APY$851 over 25 months on $10,000
Requirements
Product: Minimum $1,000 to open. Interest on CDs less than $10,000 with a term of 12 months or less must be compounded or deposited into a checking or savings account. No monthly interest checks are issued. Early withdrawal penalties may be imposed.
Offer: Must be new money from an outside source.
3.93% interest rate · Effective Aug 13, 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 - 4.00%APY$1,249 over 36 months on $10,000with conditions
Requirements
Product: Business account holders do not qualify for Jump or Relationship Rates. IRA and HSA share certificates are not eligible for bumps. Rates are subject to change. Please check with a Member Service Representative.
Offer: Platinum relationship tier
Qualified rate · 3.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - CINCINNATI EMPLOYEESCertificates of Deposit (Share Certificates)CD · 36 months · $1,000 min
Credit union · 2 branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Must deposit a minimum of $1000.00 to open a certificate. Early withdrawal penalty applies. Rates subject to change monthly by the Board of Directors.
3.95% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.00%APY$1,699 over 48 months on $10,000
Requirements
Product: Early withdrawal penalty of 90 days of interest. Minimum $500 required to earn dividends.
3.93% interest rate · Effective Sep 22, 2026
Rate checked
More details - Pathways Financial Credit UnionShare CertificatesCD · 60 months · $500 min · 4.00%–4.10% by balance
Credit union · 12 branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Rate and annual percentage yield is fixed for the term of the share certificate. Penalty for early withdrawal of principal: 180 days' dividends for terms less than 36 months, 365 days' dividends for terms equal to or greater than 36 months. Must allow earnings to be added to certificate balance to earn stated APY; withdrawal of monthly earnings will not allow earning stated APY.
Offer: Early withdrawal penalty applies (365 days' dividends for terms 36 months or greater). Earnings must remain in certificate to earn stated APY.
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.00% $100,000 and up 4.10% Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Open to anyone who lives, works, worships or goes to school in Central and Southwest Ohio. Early withdrawal penalty may apply. Interest compounded and paid quarterly.
3.93% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.98%APY$197 over 6 months on $10,000intro rate
Requirements
Product: Can only be opened online; cannot be opened at an NCB branch.
Offer: Requires a minimum daily balance of $500.00 to obtain the disclosed APY. Fixed rate until first maturity. Early withdrawal penalty equals 3 months of interest.
Promotional rate · 3.90% interest rate
Rate checked
More details - 3.98%APY$197 over 6 months on $10,000intro rate
Requirements
Product: No Public Funds or Jumbo CD's $250,000 maximum deposit. CD is automatically renewed for the same term and published rate offered during renewal period. Penalty for early withdrawal. Fees may reduce earnings. APY assumes principal and interest will remain on deposit for the term of the CD.
Offer: 6 Month Special. Simple compounding. Early withdrawal penalty: 3 Months Interest. Offer good for initial term only.
Promotional rate · 3.90% interest rate · Balance cap $250,000 · Effective Mar 11, 2026
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More details - 3.97%APY$397 over 1 year on $10,000
Requirements
Product: Monthly interest paid on all accounts. Early withdrawal penalties may apply. Rates are subject to change without notice.
Offer: Monthly interest paid on all accounts. Early withdrawal penalties may apply.
3.90% interest rate · Effective Aug 3, 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 Ohio
2,471 CDs at 267 banks and credit unions · checked Oct 16–23
- 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