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 16–30 results in Cincinnati, OH-KY-IN metro
- 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Minimum $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
4.12% interest rate
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 - 4.15%APY$884 over 25 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 · 4.09% interest rate · Effective Oct 16, 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 · 9 branches
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 - 4.10%APY$621 over 18 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 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Not available for IRA/HSA accounts. 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 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Not available for IRA/HSA accounts.
Promotional rate · 4.02% interest rate
Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$2,225 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).
4.02% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - 4.07%APY$2,704 over 72 months on $10,000
Requirements
Product: Dividends are compounded monthly and credited monthly. Early withdrawal penalties apply. $500.00 or $100,000 minimum balance requirement to open and earn dividends depending on the dividend tier. No monthly service fee.
Compounded monthly
Rate checked
More details - 4.04%APY$234 over 7 months on $10,000intro rate
Requirements
Product: Available online and at branch offices in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. APY is accurate as of 05/01/2026 and applies to the initial term. Assumes interest is credited quarterly and remains on deposit until maturity. Automatically renews at maturity for the same term at the interest rate and APY in effect at that time. Substantial penalty for early withdrawal.
Offer: Minimum balance to open and obtain APY is $1,000. Interest is credited quarterly and remains on deposit until maturity. Automatically renews for the same term at maturity. Substantial penalty for early withdrawal.
Promotional rate · Effective May 1, 2026
Rate checked
More details - 4.04%APY$370 over 11 months on $10,000intro rate
Requirements
Product: Open with $1,000 minimum using funds already on deposit with COPFCU or new funds. Available through October 31, 2026. Eligible Rewards Plus members can earn up to 0.25% additional deposit rate bonus.
Offer: Limited-time offer available through October 31, 2026. Eligible Rewards Plus members can earn up to 0.25% deposit rate bonus.
Promotional rate
Rate checked
More details - 4.01%APY$333 over 10 months on $10,000
Requirements
Product: Dividends are calculated monthly and paid monthly. Penalties for early withdrawals may apply and fees may reduce earnings. Minimum deposit of $500 required to open all Certificates (excluding Save to Win). Terms range from 91 days to 60 months.
Offer: Pick Your Term Certificate Special: Choose a 10-month or 15-month term. Renews at maturity for a 12-month term. Available for Consumer, Commercial and IRA certificates. Not available for Public Funds. Subject to cancellation at any time.
3.94% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Limited-time offer. 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 account opening. Subject to early withdrawal penalties.
Offer: Limited-time offer. Minimum opening balance $0.
Promotional rate · 3.93% interest rate · Effective Aug 6, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Terms available ranging from 3 months to 60 months. Penalty will be imposed for early withdrawal.
Offer: New accounts only with $10,000 new money deposit. Penalty will be imposed for early withdrawal.
Promotional rate · Effective Apr 20, 2026
Rate checked
More details - Delta Community Credit UnionCertificate of Deposit AccountsCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Rates subject to change. Rates are effective as of the first day of the current month. Minimum opening deposit and minimum balance is $1,000.00. Early withdrawal penalties apply. Fees could reduce earnings on the account. No monthly charge or fee for maintaining a CD.
Offer: Early withdrawal penalty is 90 days of interest.
3.92% interest rate
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%
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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