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 Columbus, OH
- 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$198 over 6 months on $10,000intro rate
Requirements
Product: Terms available ranging from 3 months to 60 months. Penalty will be imposed for early withdrawal.
Offer: New accounts only with $10,000 new money deposit. Penalty will be imposed for early withdrawal.
Promotional rate · Effective Apr 20, 2026
Rate checked
More details - 4.00%APY$468 over 14 months on $10,000intro rate
Requirements
Product: Consumer deposits only. Limited-time offer. Early withdrawal penalties apply. Maximum deposit $250,000.
Offer: Interest compounded semi-annually. Minimum balance to obtain APY is $1,000. Minimum balance to open is $1,000. $250,000 maximum deposit. Consumer deposits only. Early withdrawal penalties apply. Limited-time offer.
Promotional rate · Balance cap $250,000 · Effective Sep 17, 2026
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 - Pathways Financial Credit UnionShare CertificatesCD · 60 months · $500 min · 4.00%–4.10% by balance
Credit union · 4 branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Rate and annual percentage yield is fixed for the term of the share certificate. Penalty for early withdrawal of principal: 180 days' dividends for terms less than 36 months, 365 days' dividends for terms equal to or greater than 36 months. Must allow earnings to be added to certificate balance to earn stated APY; withdrawal of monthly earnings will not allow earning stated APY.
Offer: Early withdrawal penalty applies (365 days' dividends for terms 36 months or greater). Earnings must remain in certificate to earn stated APY.
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.00% $100,000 and up 4.10% Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Open to anyone who lives, works, worships or goes to school in Central and Southwest Ohio. Early withdrawal penalty may apply. Interest compounded and paid quarterly.
3.93% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.79%APY$2,044 over 60 months on $10,000
Requirements
Product: Fixed dividend rate and APY for the initial term. Membership share requirement ($5.00) applies. Early withdrawal penalty may apply. Automatically renewable.
3.74% interest rate · Effective Sep 28, 2026
Rate checked
More details - CME Federal Credit UnionShare CertificatesCD · 24 months · $500 min · 3.78%–3.88% by balance
Credit union · 2 branches
3.78%APY$770 over 24 months on $10,000Requirements
Product: Open with $500 ($250 for youth accounts). Add to certificate anytime without extending maturity ($50 minimum via payroll deduction/direct deposit, $250 minimum via cash/check). Penalty for early withdrawal: 90 days dividends for term < 1 year; 180 days dividends for term >= 1 year and < 6 years; 3.00% of account balance for term >= 6 years (72 and 84 months). 10 calendar days grace period upon automatic renewal.
3.72% interest rate · Effective Aug 26, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $15,000Your amount 3.78% $15,000 – $50,000 3.78% $50,000 and up 3.88% Rate checked
More details - First Service Federal Credit UnionTerm Share CertificateCD · 48 months · $500 min
Credit union · 2 branches
3.76%APY$1,591 over 48 months on $10,000Requirements
Product: Relationship Rewards: 10 basis points (.10) added to regular term certificate rates when the member has an active First Service loan balance, a First Service checking account, or is a Prime Time Club member, up to a maximum of 30 basis points (.30). Bonus points are not available on special promotions, zero-balance loans/lines of credit, or JUMP Certificates.
Offer: Dividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends.
3.70% interest rate
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% 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
Rate checked
More details - 3.75%APY$2,021 over 60 months on $10,000
Requirements
Product: Dividends compound quarterly. Early withdrawal penalty applies. $500 min. to open regular certificates.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - State Highway Patrol Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 2 branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Membership required to open Share Certificates with SHPFCU. Early withdrawal penalty may apply. You may elect to receive dividends paid monthly, quarterly, or annually. APY assumes monthly dividends.
Offer: APY assumes monthly dividends. Minimum balance to open is $500.00. Early withdrawal penalty may apply.
3.60% interest rate
Rate checked
More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Dividends compounded daily and credited monthly. Rates fixed for term. Early withdrawal penalty applies: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Insured by NCUA up to $250,000.
3.59% interest rate · Compounded daily · Effective Apr 1, 2026
Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
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 Columbus, OH
350 CDs at 27 banks and credit unions · checked Oct 6–22
- Typical
- 3.30%
- Top 10% from
- 4.05%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.69%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Columbus, OH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Homeland Credit UnionCredit union · 1 branch
- BMI Federal Credit UnionCredit union · 5 branches
- Atomic Credit UnionCredit union · 3 branches