Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 202 results in Ohio
- 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 29, 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 Penalty for early withdrawal is 90 days interest on the amount withdrawn.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 - 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
Rate checked
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 29, 2026
Rate checked
More details - 4.70%APY$3,173 over 72 months on $10,000
Requirements
Product: No monthly service fee. Early withdrawal penalties apply. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share.
Offer: Term 72 Months.
Rate checked
More details - DoverPhila Federal Credit UnionCertificate AccountsCD · 24 months · $500 min
Credit union · 6 branches
4.66%APY$954 over 24 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Minimum deposit to open is $500 ($250 for DP's Kids Club or Savers Club accounts). Automatic renewal at maturity. Early withdrawal penalty / dividend forfeiture applies for principal monies withdrawn prior to maturity. No setup or maintenance fees.
Offer: Fixed rate for 24 months. Minimum deposit to open is $500 ($250 for DP's Kids Club or Savers Club members). Dividend forfeiture for principal withdrawn prior to maturity.
4.55% interest rate · Compounded daily · Effective Oct 21, 2026
Rate checked
More details - 4.66%APY$954 over 24 months on $10,000
Requirements
Product: $500 minimum balance. Lock in a rate for a specific term. Same terms/conditions apply as with certificate accounts. Dividends are compounded daily and paid monthly. No custodial fees. Dividend forfeiture for principal monies withdrawn prior to maturity.
Offer: Fixed rate for 24 months. $500 minimum balance. Dividend forfeiture for principal monies withdrawn prior to maturity. No custodial fees.
4.55% interest rate · Compounded daily · Effective Oct 21, 2026
Rate checked
More details - 4.60%APY$2,522 over 60 months on $10,000
Requirements
Product: Dividends are compounded monthly on Certificates. Early withdrawal penalties apply. Membership eligibility required (live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties).
4.51% interest rate · Compounded monthly · Effective Oct 30, 2026
Rate checked
More details - 4.60%APY$2,522 over 60 months on $10,000
2 ways to earn 4.60%
Product: A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
From $500: Regular tier. Early withdrawal penalty applies.
From $10,000: Premier tier. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 12, 2026
Rate checked
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$2,492 over 60 months on $10,000
Effective Aug 5, 2026
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More details - 4.50%APY$412 over 11 months on $10,000
Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
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More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. After account is opened, no deposits/withdrawals permitted until maturity date. Certificates automatically renew at maturity for same term at current market rate. Available on terms from 6 months to 60 months (and 3 month term). Option to choose whether dividends are compounded internally, paid by check, or deposited to another GenFed account.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.
Offer: Includes 1x Bump Up feature.
4.43% interest rate · Effective Oct 9, 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
1,414 CDs at 159 banks and credit unions · checked Oct 30–31
- Typical
- 3.50%
- Top 10% from
- 4.15%
- 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
- Wright-Patt Credit UnionCredit union · 41 branches