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 Toledo, OH metro
- 4.00%APY$502 over 15 months on $10,000intro rate
Requirements
Product: CD minimum to open and earn APY in branch is $500. Minimum to open and earn APY online is $1,000, except featured 8-month term which is $10,000 online.
Offer: CD Special. Offers require new money - funds not on deposit at Civista. Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online).
Promotional rate · 3.92% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.00%APY$1,030 over 30 months on $10,000
Requirements
Product: Dividends for 3-month term are paid at maturity and do not compound; dividends for 6-60 month terms compound and are paid quarterly. Minimum opening deposit is $1,000 for 3-month CD and $500 for 6-60 month CDs. Early withdrawal penalties apply. Automatic renewal with 7-day grace period. Membership open to anyone who lives, works, worships, or attends school in Lucas, Wood, Fulton, or Ottawa Counties, OH.
Offer: Dividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - Superior Credit UnionWealthBuilder Share CertificateCD · 12 months · $100 min
Credit union · 2 branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Minimum balance to open $100.00. Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week.
Offer: Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week.
3.89% interest rate · Effective Oct 1, 2026
Rate checked
More details - Superior Credit UnionPercy Pig Super Saver CertificateCD · 12 months · $100 min
Credit union · 2 branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Minimum balance to open $100.00. Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week. Additional deposits permitted.
Offer: Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week. Allows adding to certificate.
3.89% interest rate · Effective Oct 1, 2026
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
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More details - 3.70%APY$183 over 6 months on $10,000
Requirements
Product: Fees could reduce earnings. A penalty may be imposed for early withdrawal.
Offer: Fees could reduce earnings. A penalty may be imposed for early withdrawal.
3.64% interest rate · Effective Jun 5, 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 - Security Credit UnionShare Certificates of DepositCD · 60 months · $1,000 min
Credit union · 1 branch
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate checked
More details - Toledo Metro Federal Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · 1 branch
3.60%APY$733 over 24 months on $10,000Requirements
Product: Tiered rates. Quarterly dividends. Automatically renewable at then-current market rates.
Offer: Quarterly compounding.
3.55% interest rate · Effective May 1, 2025
Rate checked
More details - 3.56%APY$266 over 9 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. For terms under 12 months, interest is not compounded and is credited at maturity. For terms 12 months or longer, interest is compounded daily and credited quarterly.
Offer: Interest will not be compounded; interest credited at maturity. Early withdrawal penalty may be imposed.
3.50% interest rate · Compounded daily · Effective Oct 13, 2026
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
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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 - Jeep Country Federal Credit UnionShare Certificate AccountsCD · 36 months · $1,000 min
Credit union · 3 branches
3.30%APY$1,023 over 36 months on $10,000Requirements
Product: Share certificates have fixed rates for fixed terms and incur a penalty for early withdrawal. Dividends cannot be paid in excess of earnings.
Offer: Share certificates have fixed rates for fixed terms and incur a penalty for early withdrawal.
3.26% interest rate · Effective Oct 16, 2026
Rate checked
More details - Sylvania Area Federal Credit UnionCertificates (Regular)CD · 36 months · $500 min · 3.20%–3.30% by balance
Credit union · 1 branch
3.30%APY$1,023 over 36 months on $10,000Requirements
Product: Minimum deposit $500. Maximum amount per CD is $50,000.00. Rates are subject to change at any time.
Offer: Max amount per CD is $50,000.00
3.20% interest rate
Rate by balance
Rate by balance for Certificates (Regular) Balance APY $500 – $4,999 3.20% $5,000 – $50,000Your amount 3.30% Rate checked
More details - 3.25%APY$1,007 over 36 months on $10,000
Requirements
Product: Transaction limitations apply. Rates are fixed at the time the certificate is purchased. Dividends are added monthly, or members may request dividends added to regular share account or sent by check. Certificates automatically renew at current rate for same term.
3.20% interest rate · Effective Feb 5, 2024
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 Toledo, OH metro
313 CDs at 29 banks and credit unions · checked Oct 16–22
- Typical
- 2.25%
- Top 10% from
- 4.12%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.50%
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Toledo, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 2 branches
- Fremont Federal Credit UnionCredit union · 1 branch
- Directions Credit UnionCredit union · 9 branches