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 Sidney, OH metro
- 4.60%APY$2,522 over 60 months on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
Offer: Premier tier. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 12, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
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 - 4.02%APY$609 over 18 months on $10,000
Requirements
Product: Rates are fixed unless noted otherwise. Rates are not guaranteed and are subject to change without notice. Penalty for early withdrawal may apply. Rates are published for balance tiers listed. For CD balances of $100,000 and greater, contact the branch.
Offer: Minimum deposit: $500. APY rate requires minimum balance of $10,000.
3.95% interest rate
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More details - 3.91%APY$391 over 1 year on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal. Institution generally does not accept nor retain deposits owned by persons residing outside their normal geographical service area.
Offer: A penalty will be imposed for early withdrawal. Balance required is daily balance.
3.85% interest rate · Effective Oct 13, 2026
Rate checked
More details - Honda Federal Credit UnionFlex Savings CertificateCD · 20 months · $10,000 min
Credit union · 1 branch
3.90%APY$658 over 20 months on $10,000intro rateRequirements
Product: Penalty will be imposed for early withdrawal from term share accounts. Flex features: Penalty-free deposits and withdrawals allowed during a 10-day window at month 5 or 10 depending on the Flex CD you have (amount must stay at or above minimum); automatic rate increase at 5 or 10 month mark if rates for Flex Certificates increase; optional automatic renewal.
Offer: Limited Time Offer. Flex Premier tier. Early withdrawal penalty applies. Add/withdraw penalty-free at 10-day window.
Promotional rate · 3.82% interest rate · Effective Oct 12, 2026
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 - 3.50%APY$261 over 9 months on $10,000intro rate
Requirements
Product: FDIC-Insured. At maturity, 9-month auto-renews as 12-month, 18-month auto-renews as 18-month, 27-month auto-renews as 24-month, 36-month auto-renews as 36-month. Subject to early withdrawal penalty. Fees may reduce earnings. Limited time offer.
Offer: At maturity, the 9 month CD will automatically renew as a 12 month CD. Subject to early withdrawal penalty.
Promotional rate · 3.45% interest rate · Effective Apr 1, 2026
Rate checked
More details - Minster BankCertificate of DepositCD · 18 months · $1,000 min · 3.30%–3.65% by balance
Bank · 1 branch
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 · 1 branch
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 - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$1,007 over 36 months on $10,000
3.20% interest rate
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.04%APY
- 1.61%APY$161 over 1 year on $10,000
Requirements
Product: Dividends compounded daily and credited at maturity. Additional deposits allowed with no limit. Early withdrawal before maturity results in account closure and forfeiture of all dividends earned.
Offer: Dividends credited at maturity. Automatic renewal.
1.60% interest rate · Compounded daily · Effective Nov 10, 2025
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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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 Sidney, OH metro
159 CDs at 11 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 3.65%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.56%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Sidney, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Universal 1 Credit UnionCredit union · 1 branch