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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 31–45 results in Cincinnati, OH

  1. Bank of AmericaFlexible CDCD · 12 months · $1,000 min · 3.15%–3.65% by balance

    Bank · 4 branches

    3.15%APY$315 over 1 year on $10,000
  2. 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
  3. Top Carrot, Carrot Score 89
    Warsaw Federal47-Month CD SpecialCD · 47 months · $500 min

    Bank · 1 branch

    3.03%APY$1,240 over 47 months on $10,000intro rate
  4. Cincinnati HealthCare Associates Federal Credit UnionShare CertificateCD · 60 months · $500 min

    Credit union · 1 branch

    3.00%APY$1,593 over 60 months on $10,000
  5. TruPartner Credit UnionSavings Builder CertificateCD · 12 months

    Credit union · 3 branches

    2.75%APY$275 over 1 year on $10,000
  6. Local 392 Federal Credit UnionShare Certificate AccountsCD · 60 months · $500 min · up to $10,000

    Credit union · 1 branch

    2.52%APY$1,327 over 60 months on $10,000
  7. Top Carrot, Carrot Score 89
    Warsaw Federal60-Month CDCD · 60 months · $500 min

    Bank · 1 branch

    0.65%APY$329 over 60 months on $10,000
  8. Top Carrot, Carrot Score 89
    Warsaw FederalJump Rate CDCD · 27 months · $500 min

    Bank · 1 branch

    0.55%APY$124 over 27 months on $10,000intro rate
  9. Top Carrot, Carrot Score 89
    Warsaw Federal24-Month CDCD · 24 months · $500 min

    Bank · 1 branch

    0.50%APY$100 over 24 months on $10,000
  10. Top Carrot, Carrot Score 89
    Warsaw Federal30-Month CDCD · 30 months · $500 min

    Bank · 1 branch

    0.45%APY$113 over 30 months on $10,000
  11. Top Carrot, Carrot Score 89
    Warsaw Federal48-Month CDCD · 48 months · $500 min

    Bank · 1 branch

    0.45%APY$181 over 48 months on $10,000
  12. Top Carrot, Carrot Score 89
    Warsaw Federal36-Month CDCD · 36 months · $500 min

    Bank · 1 branch

    0.40%APY$120 over 36 months on $10,000
  13. U.S. BankTrade Up CDCD · 60 months · $1,000 min

    Bank · 11 branches

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

    Bank · 11 branches

    0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
  15. Top Carrot, Carrot Score 89
    Warsaw FederalDirectSave CDCD · 6 months · $250 min

    Bank · 1 branch

    0.30%APY$15 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 Cincinnati, OH

257 CDs at 22 banks and credit unions · checked Oct 6–22

Typical
2.00%
Top 10% from
4.00%
Banks, typical
0.15%
Credit unions, typical
3.35%

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Cincinnati, OH-KY-IN metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Superior Credit UnionCredit union · 5 branches
  2. CommunityAmerica Credit UnionCredit union · 1 branch
  3. Central BankBank · 4 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate