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 results in Cincinnati, OH-KY-IN metro
- 4.50%APY$488 over 13 months on $10,000intro rate
Promotional rate
Rate checked
More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
Offer: Special rate. Compounded daily. A previous Special will automatically renew at the current rate paid on the particular term, which may no longer be a Special rate.
4.40% interest rate · Compounded daily · Effective Feb 18, 2025
Rate checked
More details - 4.50%APY$1,795 over 45 months on $10,000intro rate
Requirements
Product: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 45-month term expires, account will auto-renew for 48 months at the rate in effect at time of renewal. Certificates opened online must be funded within 15 days. Certificates opened in branch must be funded same day. Dividends will accrue as of the date funding is received; Rates are subject to change. Available for a limited time only.
Offer: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 45-month term expires, account will auto-renew for 48 months at the rate in effect at time of renewal. Certificates opened online must be funded within 15 days. Certificates opened in branch must be funded same day. Dividends will accrue as of the date funding is received; Rates are subject to change. Available for a limited time only.
Promotional rate · 4.41% interest rate
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
4.40% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - 4.38%APY$438 over 1 year on $10,000
Requirements
Product: Variable rate. Renews for the exact term originally purchased at the current interest rate for the one year CD. Early withdrawal penalty applies.
Offer: Variable rate. 1 year term.
4.29% interest rate · Effective Oct 14, 2026
Rate checked
More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · 1 branch
4.36%APY$891 over 24 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.35% interest rate · Compounded daily · Effective Jan 25, 2024
Rate checked
More details - 4.35%APY$1,525 over 40 months on $10,000intro rate
Requirements
Product: Fixed rate certificates with terms from 3 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: 40 Month Special. Minimum balance to open and earn dividends: $500.00. Early withdrawals subject to penalty.
Promotional rate · 4.26% interest rate · Effective Sep 24, 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 - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: Dividends are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity). Rates offered can vary from week to week.
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 46 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 - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Offer valid September 14-November 14, 2026. Existing River Valley Credit Union funds are not eligible for this promotion. Dividends compound and are credited monthly. Early withdrawal penalties apply and may reduce earnings. Membership eligibility required.
Offer: Offer valid September 14-November 14, 2026. Existing funds not eligible. Dividends compound and are credited monthly. Early withdrawal penalties apply.
Promotional rate
Rate checked
More details - Citizens Federal Savings & Loan AssociationCertificate of Deposit (CD)CD · 16 months · $1,000 min
Bank · 1 branch
4.25%APY$571 over 16 months on $10,0004.16% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.
4.16% interest rate · Balance cap $2,000,000 · Effective Oct 15, 2026
Rate checked
More details - 4.20%APY$1,083 over 30 months on $10,000
Requirements
Product: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
Offer: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
4.12% interest rate · Balance cap $20,000
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-KY-IN metro
650 CDs at 66 banks and credit unions · checked Oct 15–22
- Typical
- 3.10%
- Top 10% from
- 4.00%
- Banks, typical
- 1.35%
- Credit unions, typical
- 3.40%
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