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 1–13 results in Wapakoneta, OH metro
- 4.30%APY$1,346 over 36 months on $10,000
Requirements
Product: Rates effective as of October 6, 2026. There is an interest penalty for early withdrawal from certificates of deposit.
Offer: Quarterly compounding
4.23% interest rate · Effective Oct 6, 2026
Rate checked
More details - 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 This is a limited time offer and may be withdrawn at any time without notice.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 - 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Minimum balance to open share certificate is $1,000.00. Dividends compounded quarterly. 90-day penalty for early withdrawal for terms 3-12 months; 180-day penalty for terms 18-60 months.
Offer: Dividends compounded quarterly. 180-day penalty for early withdrawal.
4.14% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - The Peoples Bank Co.Certificate of DepositCD · 15 months · $500 min · 3.85%–4.11% by balance
Bank · 1 branch
4.11%APY$516 over 15 months on $10,0003.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $5,000 3.85% $5,000 and upYour amount 4.11% 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
Rate checked
More details - Superior Credit UnionWealthBuilder Share CertificateCD · 12 months · $100 min
Credit union · 3 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 · 3 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$186 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
Offer: Early withdrawal penalty is 30 days' dividends.
3.68% interest rate · Effective Oct 15, 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 - Minster BankCertificate of DepositCD · 18 months · $1,000 min · 3.30%–3.65% by balance
Bank · 4 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 · 4 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 - 3.30%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 - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Wapakoneta, OH metro
134 CDs at 9 banks and credit unions · checked Oct 15–16
- Typical
- 2.00%
- Top 10% from
- 3.99%
- Banks, typical
- 1.25%
- Credit unions, typical
- 3.60%
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Wapakoneta, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Superior Credit UnionCredit union · 3 branches