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 196–210 results in Ohio
- CSE Federal Credit UnionTerm Share CertificateCD · 84 months · $500 min · 3.70%–3.90% by balance
Credit union · 4 branches
3.80%APY$2,983 over 84 months on $10,000Requirements
Product: Certificate rates are locked in for the term selected. Early withdrawal penalty may apply.
Offer: Certificates Less Than $10,000. Early withdrawal penalty is 450 days of dividends.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 and up 3.70% $10,000 and upYour amountCertificates More Than $10,000. 3.80% $100,000 and upCertificates More Than $100,000. 3.90% Rate checked
More details - 3.79%APY$379 over 1 year on $10,000
Requirements
Product: CDs offer no fees, FDIC insurance, guaranteed fixed rates, and flexible payment options (check, add-back, direct deposit).
3.75% interest rate · Effective Feb 26, 2026
Rate checked
More details - 3.79%APY$2,044 over 60 months on $10,000
Requirements
Product: Fixed dividend rate and APY for the initial term. Membership share requirement ($5.00) applies. Early withdrawal penalty may apply. Automatically renewable.
3.74% interest rate · Effective Sep 28, 2026
Rate checked
More details - CME Federal Credit UnionShare CertificatesCD · 24 months · $500 min · 3.78%–3.88% by balance
Credit union · 5 branches
3.78%APY$770 over 24 months on $10,000Requirements
Product: Open with $500 ($250 for youth accounts). Add to certificate anytime without extending maturity ($50 minimum via payroll deduction/direct deposit, $250 minimum via cash/check). Penalty for early withdrawal: 90 days dividends for term < 1 year; 180 days dividends for term >= 1 year and < 6 years; 3.00% of account balance for term >= 6 years (72 and 84 months). 10 calendar days grace period upon automatic renewal.
3.72% interest rate · Effective Aug 26, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $15,000Your amount 3.78% $15,000 – $50,000 3.78% $50,000 and up 3.88% Rate checked
More details - First Service Federal Credit UnionTerm Share CertificateCD · 48 months · $500 min
Credit union · 4 branches
3.76%APY$1,591 over 48 months on $10,000Requirements
Product: Relationship Rewards: 10 basis points (.10) added to regular term certificate rates when the member has an active First Service loan balance, a First Service checking account, or is a Prime Time Club member, up to a maximum of 30 basis points (.30). Bonus points are not available on special promotions, zero-balance loans/lines of credit, or JUMP Certificates.
Offer: Dividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends.
3.70% interest rate
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
Offer: Early withdrawal penalty is 30 days' dividends.
3.68% interest rate · Effective Oct 22, 2026
Rate checked
More details - Firefighters Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 6 branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Membership required ($5 minimum balance in regular savings account). $500 minimum balance required to open and maintain. Certificate rates remain fixed for term of certificate. Penalty imposed for early withdrawal. Rates subject to change at any time. Certificate funds insured by American Share Insurance (ASI) up to $250,000 per account.
Offer: Fixed rate. Penalty for early withdrawal. $500 minimum balance required.
Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000intro rate
Requirements
Product: Available on New Funds and Consumer Accounts Only. We reserve the right to limit acceptance of deposits greater than $250,000.00. A 3-month interest rate penalty will be imposed for early withdrawal. The certificates will renew into a 6-month certificate at the current 6-month interest rate at the time of maturity.
Offer: Available on New Funds and Consumer Accounts Only. Renews into a 6-month certificate at maturity.
Promotional rate · Balance cap $250,000
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: Promotional rates available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 6 months. Compounded & credited quarterly. 7-day grace period. Early withdrawal penalty applies.
Offer: Promotional rate available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 6 months. Compounded & credited quarterly. 7-day grace period. Early withdrawal penalty applies.
Promotional rate · 3.70% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: Promotional rates available for new money only. New money is defined as money not currently on deposit with the bank. $500.00 minimum deposit to open. Early withdrawal penalties may apply.
Offer: Promotional rates available for new money only (money not currently on deposit with the bank).
Promotional rate · 3.70% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$343 over 11 months on $10,000with conditions
Requirements
Product: Standard CDs have a $500 minimum opening deposit. Specials require a $5,000 minimum deposit, relationship eligibility, and are available to current City customers only.
Offer: Relationship special. Available to current City customers only with one of: 1 year+ checking or savings account, a money market account, a new checking with direct deposit, or a loan.
Qualified rate · 3.70% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$343 over 11 months on $10,000intro rate
Requirements
Product: Annual percentage yield (APY) is accurate as of the effective date shown. Fees may reduce earnings on the account.
Offer: 11 MONTH CD SPECIAL. The effective annual percentage yield applies if interest is compounded. Substantial penalty for early withdrawal. Interest will compound quarterly. No additions permitted. Offer may be withdrawn at any time. APY effective on all balances.
Promotional rate · Effective Oct 6, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.75%APY$407 over 13 months on $10,000intro rate
Requirements
Product: Must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00. Early withdrawal penalties and fees may apply.
Offer: Promotional certificate special available for a limited time during promotional period and subject to end without notice.
Promotional rate · 3.69% interest rate · Effective Aug 10, 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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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