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 Dayton, OH metro
- Pathways Financial Credit UnionShare CertificatesCD · 60 months · $500 min · 4.00%–4.10% by balance
Credit union · 2 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 - KH Credit UnionShare CertificatesCD · 48 months · $500 min · 3.90%–4.00% by balance
Credit union · 1 branch
3.90%APY$1,654 over 48 months on $10,000Requirements
Product: Minimum deposit is $500.00. Early withdrawal penalty: 90 days interest for maturities up to and including 12 months; 365 days interest for maturities greater than 12 months. Insured up to $250,000 by American Share Insurance.
3.83% interest rate · Effective Jul 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Any balanceYour amount 3.90% $50,000 and upJumbo rate ($50,000+) 4.00% 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 - TopMark Federal Credit UnionShare CertificateCD · 60 months · $500 min · 3.00%–3.75% by balance
Credit union · 1 branch
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Membership with TFCU is required to open a certificate. Minimum opening deposit of $500.00. Early withdrawal penalties may apply. After maturity, automatically renews at current rate unless indicated otherwise. Withdrawal of dividends prior to maturity will reduce earnings.
2.96% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $5,000 3.00% $5,000 and upYour amount 3.75% Rate checked
More details - 3.74%APY$2,015 over 60 months on $10,000
Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawals of principal are subject to substantial interest/dividend penalties. Minimum opening deposit requires maintaining $5.00 par value share in a Savings account.
Offer: Early withdrawal penalty is 182 days' dividends for terms of 13 months or greater.
3.68% interest rate · Compounded daily · Effective Nov 10, 2025
Rate checked
More details - 3.70%APY$401 over 13 months on $10,000
Requirements
Product: Minimum balance of $1,000 required. Annual Percentage Yield is effective as of September 14, 2026. The Annual Percentage Yields assume interest remains on deposit until maturity. A withdrawal will reduce earnings. All Interest Rates and Annual Percentage Yields are determined by this institution and are not tied to any index. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will begin to accrue on the business date in which the deposit is made. Certificates subject to penalty for early withdrawal. Advertised rates subject to change.
Effective Sep 14, 2026
Rate checked
More details - 3.65%APY$211 over 7 months on $10,000
Requirements
Product: Fixed terms with rates that beat standard savings. No setup or maintenance fees required. Penalty will be imposed for early withdrawal; withdrawal of interest will reduce earnings.
Offer: 7 Months term. Compounded quarterly.
3.60% interest rate · Compounded quarterly · Effective Oct 13, 2026
Rate checked
More details - 3.65%APY$938 over 30 months on $10,000
Requirements
Product: Early withdrawal penalty may apply: Less than 12 months: 90 days of dividends; 12–18 months: 180 days of dividends; Over 18 months: 365 days of dividends. Penalty exceptions may apply in cases of death or legal incompetence of an account owner, or certain IRA Required Minimum Distribution withdrawals completed within required timeframes.
3.59% interest rate
Rate checked
More details - Postal Family Credit Union, Inc.Regular Share CertificateCD · 60 months · $500 min
Credit union · 1 branch
3.61%APY$1,940 over 60 months on $10,000Requirements
Product: Dividends are credited monthly on the 1st of the month and at maturity. Early withdrawal penalties apply.
3.55% interest rate · Effective Feb 21, 2024
Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: Fixed Rate & Terms. No fees unless funds are withdrawn prior to maturity. Penalty for early withdrawal.
Offer: 1 Year term. GNB Special ($$). Penalty for early withdrawal.
3.54% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity.
3.50% interest rate
Rate checked
More details - Minster BankCertificate of DepositCD · 18 months · $1,000 min · 3.30%–3.65% by balance
Bank · 2 branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Minimum investment of $1,000 unless otherwise noted. Penalty for early withdrawal may apply. Businesses and Municipalities will be quoted. Rates are subject to change. Additional term options are available.
Offer: 18-month term; amount tier $1,000–$4,999. Penalty for early withdrawal may apply.
3.25% interest rate · Effective May 29, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $4,999 3.30% $5,000 – $99,999Your amount 3.50% $100,000 and up 3.65% Rate checked
More details - Minster BankCertificates of DepositCD · 18 months · $1,000 min · 3.30%–3.65% by balance
Bank · 2 branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Fixed interest rate based on tiers, compounded daily and paid semiannually or annually if CD is under $10,000; monthly, quarterly, semiannually, or annually if CD is $10,000 or more. Minimum investment of $1,000 unless otherwise noted. Penalty for early withdrawal may apply. Additional term options are available.
Offer: Penalty for early withdrawal may apply. Additional term options are available.
3.25% interest rate · Compounded daily · Effective May 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $4,999 3.30% $5,000 – $99,999Your amount 3.50% $100,000 and up 3.65% Rate checked
More details - 3.40%APY$340 over 1 year on $10,000with conditions
Requirements
Product: With Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product. Penalty for early withdrawal from CDs. Interest is compounded daily. Fees could reduce earnings.
Offer: With Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product.
Qualified rate · 3.35% interest rate · Compounded daily · Effective Oct 14, 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 Dayton, OH metro
347 CDs at 29 banks and credit unions · checked Oct 15–22
- Typical
- 2.25%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.80%
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Dayton, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Firefighters & Company Federal Credit UnionCredit union · 2 branches
- Bridge Credit UnionCredit union · 4 branches
- River Valley Credit UnionCredit union · 5 branches