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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.

Term
Location

Top CD rates

Showing 31–41 results in Dayton, OH metro

  1. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 19 branches

    3.30%APY$219 over 8 months on $10,000with conditions
  2. First Bank RichmondFixed Rate Certificates of DepositCD · 36 months · $1,000 min

    Bank · 3 branches

    3.25%APY$1,007 over 36 months on $10,000
  3. U.S. BankCD SpecialCD · 6 months · $1,000 min

    Bank · 12 branches

    3.25%APY$161 over 6 months on $10,000
  4. Postal Family Credit Union, Inc.Payroll Deduction CertificateCD · 12 months · $25 min

    Credit union · 1 branch

    3.04%APY$304 over 1 year on $10,000
  5. Top Carrot, Carrot Score 89
    Universal 1 Credit UnionMoney Saver CertificateCD · 12 months · $25 min

    Credit union · 7 branches

    1.61%APY$161 over 1 year on $10,000
  6. Greenville FederalRegular CDCD · 24–29 months · $500 min

    Bank · 3 branches

    0.80%APY
  7. U.S. BankTrade Up CDCD · 60 months · $1,000 min

    Bank · 12 branches

    0.40%APY$202 over 60 months on $10,000
  8. U.S. BankStep Up CDCD · 28 months · $1,000 min · 4 steps

    Bank · 12 branches

    0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
  9. The Old Fort Banking CompanyInvestment Saver CDCD · 23 months · $100 min

    Bank · 2 branches

    0.25%APY$48 over 23 months on $10,000with conditions
  10. U.S. BankU.S. Bank Certificates of DepositCD · 60 months · $500 min

    Bank · 12 branches

    0.25%APY$126 over 60 months on $10,000
  11. ChaseCD LadderCD · 6 months · $1,000 min · 0.02%–0.05% by balance

    Bank · 19 branches

    0.05%APY$2 over 6 months on $10,000with conditions

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

  1. Firefighters & Company Federal Credit UnionCredit union · 2 branches
  2. Bridge Credit UnionCredit union · 4 branches
  3. River Valley Credit UnionCredit union · 5 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate