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 1–6 results in Urbana, OH metro
- 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.08%APY$618 over 18 months on $10,000
Requirements
Product: Federal regulations on CDs require a substantial penalty for early withdrawal. Rates compounded daily. Fees or other conditions could reduce the earnings on the accounts. We reserve the right to change the rates at any time.
4.00% interest rate · Compounded daily · Effective Oct 2, 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 - 4.00%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 - 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 - 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
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 Urbana, OH metro
62 CDs at 6 banks and credit unions · checked Oct 6–16
- Typical
- 2.92%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.62%
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Ohio
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 7 17 Credit UnionCredit union · 16 branches
- Homeland Credit UnionCredit union · 5 branches
- Chivaho Federal Credit UnionCredit union · 1 branch