Ohio Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Ohio CD rates include GLASS CITYGLASS CITY1340 Arrowhead Dr, Maumee, OH 43537A+5.0 ★Texas Ratio: 0.76%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth CD at 5.00% APY, General Electric Credit UnionGeneral Electric Credit Union10485 Reading Rd, Cincinnati, OH 45241 2523A5.0 ★Texas Ratio: 6.01%Real return: +2.19%APY minus CPI (February 2026) offering 6-month intro at 4.99% APY, Third Federal Savings and LoanThird Federal Savings and Loan7007 Broadway Ave, Cleveland, OH 44105A+5.0 ★Texas Ratio: 2.32%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Bonus CD at 4.75% APY, Childrens Medical Center Federal Credit UnionChildrens Medical Center Federal Credit Union3333 Burnet Ave, Cincinnati, OH 45229 3026A+5.0 ★Texas Ratio: 1.15%Real return: +1.56%APY minus CPI (February 2026) offering 2 Year Certificate at 4.36% APY, and Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union1810 Buchholzer Blvd, Akron, OH 44310A+5.0 ★Texas Ratio: 3.62%Real return: +1.54%APY minus CPI (February 2026) offering 24-Month IRA at 4.34% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Ohio side-by-side. Ohio CD rates currently reach as high as 5.00% APY from GLASS CITY at 1340 Arrowhead Dr, Maumee, OH 43537. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 9, 2026
Compare Best CD Rates in Ohio
Ohio 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.99% APY▲ 0.01% from last week
The national average 3-month CD rate is 1.99% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
8228 Mayfield Rd, Chesterland, OH 44026
3 Month CD
$1,000
4.32%
▲ 2.33% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 2.33% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
555 Metro Pl N, Dublin, OH 43017
3 Month Certificate
$500
3.85%
▲ 1.86% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.86% above avg
Details
Early withdrawals subject to penalty*
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8763 Union Centre Blvd, West Chester, OH 45069
Certificates 3 Months
$0
3.65%
▲ 1.66% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.66% above avg
Details
Unified Bank Martins Ferry, OH
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
318 E Main St, Jewett, OH 43986
3 Month CD
$1,000
3.61%
▲ 1.62% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.62% above avg
Details
APYs are accurate as of 7/01/26. Penalty may be imposed for early withdrawal. All rates are subject to change without notice.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
3-Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 3-Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 3-Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
Health Savings Account (HSA) Certificates
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8800 Cleveland Ave NW, North Canton, OH 44720
3 Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
3 Month Certificate
$500
3.50%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.51% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
3 Month Term IRA
$250
3.50%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.51% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2409 E Perkins Ave, Sandusky, OH 44870
3 Month Certificate
$500
3.50%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▲ 1.51% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
550 Main St, Cincinnati, OH 45202
3 Month Certificate
$0
3.50%
▲ 1.51% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.51% above avg
Details
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
118 N Court St, Circleville, OH 43113
3-MONTH CD
$0
3.46%
▲ 1.47% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.47% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
832 Cleveland St, Elyria, OH 44035 4141
90 Day Certificate
$500
3.45%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.46% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
3 Month Certificate
$5,000
3.35%
▲ 1.36% above national avg
▼
Rate3.31%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.36% above avg
Details
Compounding Frequency: Simple
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
100 N Main St, Bellefontaine, OH 43311
90 Day CD
$500
3.35%
▲ 1.36% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.36% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8800 Cleveland Ave NW, North Canton, OH 44720
3 Month Certificate
$0
3.29%
▲ 1.30% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.30% above avg
Details
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
491 N Cleveland Massillon Rd, Akron, OH 44333
3 Month CD
$1,000
3.25%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.26% above avg
Details
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
5500 Britton Pkwy, Hilliard, OH 43026 7456
Regular Certificates & IRAs - 3 months
$500
3.25%
▲ 1.26% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1800 Vine St, Cincinnati, OH 45202
3 Month IRA/ESA Share Certificate
$0
3.25%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA/Certificates 3 Month
$0
3.25%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
TruAdvantage APY*
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
959 W 8th St, Cincinnati, OH 45203
3 mo.
$0
3.25%
▲ 1.26% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
959 W 8th St, Cincinnati, OH 45203
3 Month Certificate
$0
3.25%
▲ 1.26% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1800 Vine St, Cincinnati, OH 45202
3 Month IRA/ESA Share Certificate
$0
3.10%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.11% above avg
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA/Certificates 3 Month
$0
3.10%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.11% above avg
Details
TruBenefits APY*
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
111 E Main St, Lancaster, OH 43130
3 Month Certificate Account
$500
3.04%
▲ 1.05% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.05% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
3 Month Term Share Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.01% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
3 Month Term IRA
$250
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.01% above avg
Details
Everyday APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1800 Vine St, Cincinnati, OH 45202
3 Month IRA/ESA Share Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.01% above avg
Details
Regular APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA/Certificates 3 Month
$0
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.01% above avg
Details
Regular APY*
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
5121 Whiteford Rd, Sylvania, OH 43560
3 Month Certificate
$500
2.89%
▲ 0.90% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.90% above avg
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4726 HILLS AND DALES RD NW, CANTON, OH 44708 1571
Certificates - 3 Months
$250
2.78%
▲ 0.79% above national avg
▼
Rate2.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.79% above avg
Details
Balance: $250 - $10,000.00
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3955 W DUBLIN GRANVILLE RD, DUBLIN, OH 43017
3 Month Regular Certificate
$0
2.50%
▲ 0.51% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.51% above avg
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
3 Month Share Certificate
$500
2.39%
▲ 0.40% above national avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.40% above avg
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Main St, Baltic, OH 43804
3 Month CD
$500
2.15%
▲ 0.16% above national avg
▼
Rate2.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 0.16% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
5255 Regency Dr, Parma, OH 44129 5453
3 Month Certificate
$500
2.02%
▲ 0.03% above national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.03% above avg
Details
Three Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
420 Greenville Rd, Saint Marys, OH 45885 2809
3 Month
$0
2.00%
▲ 0.01% above national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.01% above avg
Details
VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal.
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
250 Tallmadge Rd, Kent, OH 44240
3 Month CD
$500
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.01% above avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Hancock Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 Trenton Ave, Findlay, OH 45840 3741
3 Month Certificate
$0
1.50%
▼ 0.49% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.49% below avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
116 Eastlawn Dr, Marion, OH 43302
3 Months
$0
1.25%
▼ 0.74% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.74% below avg
Details
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Ohio 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▼ 0.01% from last week
The national average 6-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
6-month intro
$0
4.99%
▲ 2.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 2.32% above avg
Details
Introductory rate
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
6 Month Bonus CD
$500
4.75%
▲ 2.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 2.08% above avg
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
971 WOOSTER RD W, BARBERTON, OH 44203
6-Month
$0
4.13%
▲ 1.46% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.46% above avg
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
119 Fillmore Ave, Dover, OH 44622 2061
6 Month Certificate ESA
$0
4.08%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.41% above avg
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
119 Fillmore Ave, Dover, OH 44622 2061
6 Month Certificate IRA
$0
4.08%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.41% above avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
8228 Mayfield Rd, Chesterland, OH 44026
6 Month CD
$1,000
4.04%
▲ 1.37% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.37% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
6 Month Certificate
$500
4.02%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.35% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit 6 months
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
225 Reading Rd, Mason, OH 45040
6 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.33% above avg
Details
FNB of Waverly
Institution Rating:
B+4.7 ★Texas Ratio: 18.82%
107 N Market St, Waverly, OH 45690
6 Month Certificate Special
$1,000
3.98%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.31% above avg
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Main St, Baltic, OH 43804
6 Month CD
$500
3.92%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.25% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
6 Month Certificate
$500
3.90%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
6 Month Term IRA
$250
3.90%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
6 Month Certificate
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.23% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1340 Arrowhead Dr, Maumee, OH 43537
6 Month CD
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.23% above avg
Details
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
6700 N High St, Worthington, OH 43085
6 Month Certificate
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.23% above avg
Details
Penalty: 90 days; Frequency of Compounding: Daily
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
CD - Certificates of Deposit 6 Month
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
24 E Main St, Tipp City, OH 45371
6 Month Special Certificate of Deposit
$1,000
3.87%
▲ 1.20% above national avg
▼
Rate3.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.20% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
315 Croghan St, Fremont, OH 43420 3013
6 Month
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
340 Griswold Rd, Elyria, OH 44035
6 Month Certificate
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2409 E Perkins Ave, Sandusky, OH 44870
6 Month Certificate
$500
3.85%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.18% above avg
Details
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1 Union Sq, Bellevue, OH 44811
6 Month CD
$500
3.82%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.15% above avg
Details
Champion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.74%
6420 Glenn Hwy, Cambridge, OH 43725
6 Month CD
$500
3.81%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.14% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
8800 Cleveland Ave NW, North Canton, OH 44720
6 Month Certificate
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificates 6 months
$500
3.80%
▲ 1.13% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
6 Month Certificate
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
6 Month Certificate
$0
3.79%
▲ 1.12% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.12% above avg
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6100 Rockside Woods Blvd N Ste 150, Independence, OH 44131 2334
6 Month IRA
$500
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2300 Saint Clair Ave NE, Cleveland, OH 44114 4049
6 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Ohio State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
2106 E Main St, Bexley, OH 43209
6-month CD
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.08% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
102 S Kibler St, New Washington, OH 44854
6 Month CD
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
Community Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
425 Main St, Caldwell, OH 43724
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
555 Metro Pl N, Dublin, OH 43017
6 Month Certificate
$500
3.74%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.07% above avg
Details
Early withdrawals subject to penalty*
First National Bank in New Bremen
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
435 S Washington St, New Bremen, OH 45869
6 Month CD
$2,500
3.71%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.04% above avg
Details
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
900 E WAYNE ST, CELINA, OH 45822
6 Month
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 6 Months
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Cardinal Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 5.28%
8500 Westport Dr, Mentor, OH 44060
6 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
6 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
5255 Regency Dr, Parma, OH 44129 5453
6 Month Certificate
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Business 6 months
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Certificates 6 months
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
The Union Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
318 S Belmore St, Leipsic, OH 45856
6 Month Special CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.03% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
115 Hospital Dr, Van Wert, OH 45891
6-MONTH CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.03% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7221 Montgomery Rd, Cincinnati, OH 45236
6 Month Certificate
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.99% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8763 Union Centre Blvd, West Chester, OH 45069
Certificates 6 Months
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
6 Month Certificate
$100,000
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
6 Month Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
832 Cleveland St, Elyria, OH 44035 4141
6 Month Certificate
$500
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
6 Month Certificate
$500
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
Charm Term 6 Months
$500
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Ohio 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.84% APY▼ 0.01% from last week
The national average 12-month CD rate is 2.84% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1340 Arrowhead Dr, Maumee, OH 43537
12 Month Youth CD
$100
5.00%
▲ 2.16% above national avg
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 2.16% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
1 Year Certificate
$500
4.31%
▲ 1.47% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.47% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
1 Year IRA
$500
4.31%
▲ 1.47% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.47% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
6700 N High St, Worthington, OH 43085
12 Month Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.46% above avg
Details
Penalty: 90 days; Frequency of Compounding: Daily
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
1 Year Rising Rate CD
$500
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.41% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
12 Month Online CD
$500
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.41% above avg
Details
Fasson Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
250 Chester St # 1 E, Painesville, OH 44077 4118
12 Month Maturity
$1,000
4.25%
▲ 1.41% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.41% above avg
Details
Dividends are paid at maturity. Additional deposits are not allowed. Available terms may vary. No early withdrawals without a penalty.
United Midwest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
101 N Main St, West Manchester, OH 45382
6-12 Month CD
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.41% above avg
Details
Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2969 Smith Rd, Fairlawn, OH 44333
12 Month Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
2969 Smith Rd, Fairlawn, OH 44333
IRA Share Certificate 12 Month
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1810 Buchholzer Blvd, Akron, OH 44310
12-Month IRA
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.24% above avg
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
575 White Pond Dr Ste E, Akron, OH 44320 1184
12 Months
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.22% above avg
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH 44077
12 Month Certificate
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.22% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
1 Year Rising Rate CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit 12 months
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
Jeep Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
7030 Spring Meadows West Dr, Holland, OH 43528 9293
12 Month Special Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
New Money Only
Jeep Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
7030 Spring Meadows West Dr, Holland, OH 43528 9293
IRA 12 Month Special Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
New Money Only
OUCU Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
944 E State St, Athens, OH 45701
Easy Save IRA Certificate 12 month
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
Compounding: Quarterly
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
28543 Oregon Rd, Perrysburg, OH 43551
NEW MONEY GenGrow 12-month CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificates 12 months
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details
Bump one time**
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
14710 W Portage River South Rd, Elmore, OH 43416
12 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.16% above avg
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
909 N Perry St, Ottawa, OH 45875
12 months
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.16% above avg
Details
Community Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
425 Main St, Caldwell, OH 43724
Certificates of Deposit - 12 Month
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
315 Croghan St, Fremont, OH 43420 3013
12 Month
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.11% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3845 Angola Rd, Toledo, OH 43615
12 Month Certificate
$0
3.93%
▲ 1.09% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.09% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate 12-Month
$0
3.93%
▲ 1.09% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.09% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
12 Month Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.06% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
12 Month Term IRA
$250
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.06% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
12 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
IRA Certificates 12 Months Jumbo
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
$50,000+
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
Jumbo CD 12 Months
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
12-Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.01% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate 12-Month
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.01% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 12-Month
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.01% above avg
Details
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
413 Main St, Coshocton, OH 43812
12 Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.01% above avg
Details
SPECIAL
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
413 Main St, Coshocton, OH 43812
12 Month IRA Certificate SPECIAL
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.01% above avg
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
971 WOOSTER RD W, BARBERTON, OH 44203
12-Month
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.98% above avg
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
12 Month Certificate
$1,000
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.98% above avg
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Term Certificates 12 Months
$1,000
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.98% above avg
Details
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7221 Montgomery Rd, Cincinnati, OH 45236
Diamond Club Certificates 1 Year
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.98% above avg
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
119 Fillmore Ave, Dover, OH 44622 2061
12 Month Certificate ESA
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.98% above avg
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
119 Fillmore Ave, Dover, OH 44622 2061
12 Month Certificate IRA
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.98% above avg
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Main St, Baltic, OH 43804
12 Month CD
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.98% above avg
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Main St, Baltic, OH 43804
12 Month Variable
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.98% above avg
Details
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1 Union Sq, Bellevue, OH 44811
12 Month CD
$500
3.82%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.98% above avg
Details
Champion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.74%
6420 Glenn Hwy, Cambridge, OH 43725
12 Month CD
$500
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.97% above avg
Details
FNB of Dennison
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
130 N Walnut St, Gnadenhutten, OH 44629
12 Month Certificate Special
$20,000
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.97% above avg
Details
New Money Only
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
12 Month Fixed IRA
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.96% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
12 Month Term Share Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.96% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
1-Year Jumbo Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Ohio 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.67% APY▼ 0.03% from last week
The national average 18-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
18 Month Certificate
$500
4.31%
▲ 1.64% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.64% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
711 Beaver Creek Rd, Piketon, OH 45661
18-Month Certificate
$1,000
4.15%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.48% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
315 Croghan St, Fremont, OH 43420 3013
18 Month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
18-Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 18-Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 18-Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
Health Savings Account (HSA) Certificates
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
2 N 2nd St, Newark, OH 43055
18 Month CD
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.33% above avg
Details
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
420 3rd Ave, Gallipolis, OH 45631
10 thru 18 Month Certificate of Deposit
$5,000
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.33% above avg
Details
Public funds over $250,000.00 excluded from this offer. Effective Date: 9/7/2026. Age 18 and under may open with $500.
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
420 3rd Ave, Gallipolis, OH 45631
18 MONTH IRA / ROTH TDOA
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.33% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificates 18 months
$1,000
3.95%
▲ 1.28% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.28% above avg
Details
Bump one time**
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
18-Month Certificate
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate 18-Month
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 18-Month
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
5121 Whiteford Rd, Sylvania, OH 43560
18 Month Certificate
$500
3.87%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.20% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit 18 months
$500
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Business 18 months
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details
Bump one time**
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Certificates 18 months
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details
Bump one time**
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
501 Hopewell Dr, Heath, OH 43056
18 Month Certificate
$500
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.15% above avg
Details
First National Bank in New Bremen
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
435 S Washington St, New Bremen, OH 45869
18 Month CD
$500
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.15% above avg
Details
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
900 E WAYNE ST, CELINA, OH 45822
18 Month
$500
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$100,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
18 Month Certificate
$1,000
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.09% above avg
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Term Certificates 18 Months
$1,000
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.09% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3181 Larchmont Ave NE, Warren, OH 44483 2435
18 Month Jumbo Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
355 W Monument Ave, Dayton, OH 45402
Roth IRA Certificate 18 Months
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 18 Months
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2300 Saint Clair Ave NE, Cleveland, OH 44114 4049
18 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
18 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
18 Month Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
Charm Term 18 Months
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1311 E Main St, Ravenna, OH 44266
18 Month Certificate Special
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.08% above avg
Details
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1311 E Main St, Ravenna, OH 44266
18 Month Special
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.08% above avg
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
10 Monument Sq, Urbana, OH 43078
18 Month CD
$500
3.72%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.05% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
18 Month Fixed IRA
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
18 Month Term Share Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
832 Cleveland St, Elyria, OH 44035 4141
18 Month Certificate/IRA
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH 44077
18 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.03% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
18 Month Certificate
$5,000
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.03% above avg
Details
Compounding Frequency: Quarterly
Hocking Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
7 W Stimson Ave, Athens, OH 45701
18 Month Certificate
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.03% above avg
Details
Hocking Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
7 W Stimson Ave, Athens, OH 45701
18-month CD
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.03% above avg
Details
APY effective July 20, 2026. RENEWABLE.
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Main St, Baltic, OH 43804
18 Month CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.03% above avg
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
119 Fillmore Ave, Dover, OH 44622 2061
18 Month Certificate ESA
$0
3.67%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.00% above avg
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
119 Fillmore Ave, Dover, OH 44622 2061
18 Month Certificate IRA
$0
3.67%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.00% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
14111 Scottslawn Rd, Marysville, OH 43040
IRA Certificates - 18 Month
$500
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.99% above avg
Details
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
111 E Main St, Lancaster, OH 43130
18 Month Certificate Account
$500
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.99% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8763 Union Centre Blvd, West Chester, OH 45069
Certificates 18 Months
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
L.E.O Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
155 Freedom Rd, Painesville, OH 44077
18 Month Certificate
$500
3.65%
▲ 0.98% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
959 W 8th St, Cincinnati, OH 45203
18 mo.
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
959 W 8th St, Cincinnati, OH 45203
18 Month Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Ohio 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▼ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
2 Year Certificate
$500
4.36%
▲ 1.65% above national avg
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.65% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1810 Buchholzer Blvd, Akron, OH 44310
24-Month IRA
$0
4.34%
▲ 1.63% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.63% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
5255 Regency Dr, Parma, OH 44129 5453
2 Year Certificate
$500
4.32%
▲ 1.61% above national avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.61% above avg
Details
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
225 Reading Rd, Mason, OH 45040
24 Month IRA (Variable)
$100
4.29%
▲ 1.58% above national avg
▼
Rate4.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.58% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3454 Oak Alley Ct, Toledo, OH 43606
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.54% above avg
Details
Fixed interest rate; Automatic renewal; FDIC insured; No maintenance fees; Online banking access
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
575 White Pond Dr Ste E, Akron, OH 44320 1184
24 Months
$0
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.35% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
315 Croghan St, Fremont, OH 43420 3013
24 Month
$0
4.05%
▲ 1.34% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
2-Year Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
2-Year Jumbo Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 2-Year Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 2-Year Jumbo Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 2-Year Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
Health Savings Account (HSA) Certificates
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificates 24 months
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
Bump one time**
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Jumbo Certificates 24 months
$100,000
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
Bump one time**
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2409 E Perkins Ave, Sandusky, OH 44870
24 Month Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.29% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
102 S Kibler St, New Washington, OH 44854
24 Month CD Special
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.29% above avg
Details
**
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
24-Month Certificate
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate 24-Month
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 24-Month
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
24 Month Certificate
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
IRA Certificates 24 Months Jumbo
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
$50,000+
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Business 24 months
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
Bump one time**
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Certificates 24 months
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
Bump one time**
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
5121 Whiteford Rd, Sylvania, OH 43560
24 Month Certificate
$500
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
5121 Whiteford Rd, Sylvania, OH 43560
24 Month Youth Certificate
$100
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Must be under 18 years of age
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit 24 months
$500
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
24 Month Certificate
$100,000
3.85%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 24 Months
$500
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
24 Month Certificate
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
Jumbo CD 24 Months
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
24 Month Special
$5,000
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.14% above avg
Details
Compounding Frequency: Daily
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
900 E WAYNE ST, CELINA, OH 45822
24 Month
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
24-Month Add-On
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
24-Month Add-On Certificate
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Add-On
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate 24-Month Add-On
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 24-Month Add-On
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Add-On
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3181 Larchmont Ave NE, Warren, OH 44483 2435
24 Month Jumbo Certificate
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
24 Month Certificate
$500
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
24 Month Term IRA
$250
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3845 Angola Rd, Toledo, OH 43615
24 Month Certificate
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.09% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate 24-Month
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.09% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
24 Month Certificate
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.09% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH 43040
2 Year Roth Executive
$0
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH 43040
Roth Executive 2 Years
$100,000
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
19775 State Route 739, Marysville, OH 43040
Traditional Executive 2 Years
$100,000
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
24 Month Certificate
$0
3.79%
▲ 1.08% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.08% above avg
Details
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7221 Montgomery Rd, Cincinnati, OH 45236
Diamond Club Certificates 2 Years
$0
3.76%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.05% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
24 Month Fixed IRA
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
24 Month Term Share Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
8010 E Broad St, Reynoldsburg, OH 43068 8000
24 Months CD
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.04% above avg
Details
Ohio 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.64% APY▼ 0.03% from last week
The national average 36-month CD rate is 2.64% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
36 Month Bonus CD
$500
4.25%
▲ 1.61% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.61% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3181 Larchmont Ave NE, Warren, OH 44483 2435
36 Month Jumbo Certificate
$0
4.25%
▲ 1.61% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.61% above avg
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
315 Croghan St, Fremont, OH 43420 3013
36 Month
$0
4.16%
▲ 1.52% above national avg
▼
Rate4.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.52% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
315 Croghan St, Fremont, OH 43420 3013
36 Month Freedom
$0
4.16%
▲ 1.52% above national avg
▼
Rate4.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.52% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
3 Year Certificate
$500
4.11%
▲ 1.47% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.47% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
3 Year IRA
$500
4.11%
▲ 1.47% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.47% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificates 36 months
$1,000
4.05%
▲ 1.41% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.41% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Jumbo Certificates 36 months
$100,000
4.05%
▲ 1.41% above national avg
▼
Rate3.98%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.41% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
3 Year Rising Rate CD
$500
4.00%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3181 Larchmont Ave NE, Warren, OH 44483 2435
36 Month
$500
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1340 Arrowhead Dr, Maumee, OH 43537
36 Month CD
$500
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.36% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1340 Arrowhead Dr, Maumee, OH 43537
36 Month IRA
$1,000
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.36% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2409 E Perkins Ave, Sandusky, OH 44870
36 Month Certificate
$500
4.00%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.36% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
102 S Kibler St, New Washington, OH 44854
36 Month CD Special
$500
4.00%
▲ 1.36% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.36% above avg
Details
**
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
36-Month Certificate
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.31% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate 36-Month
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.31% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 36-Month
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.31% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 36 Months
$500
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
36 Month Certificate
$0
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
IRA Certificates 36 Months Jumbo
$0
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
$50,000+
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Business 36 months
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Certificates 36 months
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
36 Month Certificate
$100,000
3.90%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.26% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
36 Month Certificate
$0
3.90%
▲ 1.26% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.26% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
5121 Whiteford Rd, Sylvania, OH 43560
36 Month Certificate
$500
3.87%
▲ 1.23% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.23% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
36 Month Certificate
$0
3.85%
▲ 1.21% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.21% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
36 Month Certificate
$500
3.85%
▲ 1.21% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.21% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
Charm Term 36 Months
$500
3.85%
▲ 1.21% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.21% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
36 Month Certificate
$5,000
3.85%
▲ 1.21% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.21% above avg
Details
Compounding Frequency: Daily
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
14111 Scottslawn Rd, Marysville, OH 43040
IRA Certificates - 36 Month
$500
3.81%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.17% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
36 Month Certificate
$500
3.80%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.16% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
36 Month Term IRA
$250
3.80%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.16% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
8010 E Broad St, Reynoldsburg, OH 43068 8000
36 Months CD
$500
3.80%
▲ 1.16% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
36 Month Certificate
$500
3.80%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3845 Angola Rd, Toledo, OH 43615
36 Month Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate 36-Month
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
832 Cleveland St, Elyria, OH 44035 4141
36 Month Certificate/IRA
$500
3.80%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
36 Month Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
5255 Regency Dr, Parma, OH 44129 5453
3 Year Certificate
$500
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2909 State Rd, Ashtabula, OH 44004
36 Month IRA Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Dividends: Quarterly
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH 44077
36 Month Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.16% above avg
Details
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
12837 US Highway 68, Kenton, OH 43326
36 MONTH CERTIFICATE
$75,000
3.76%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.12% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
36 Month Certificate
$1,000
3.75%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.11% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7221 Montgomery Rd, Cincinnati, OH 45236
Diamond Club Certificates 3 Years
$0
3.71%
▲ 1.07% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.07% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
36 Month Fixed IRA
$0
3.70%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.06% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
36 Month Term Share Certificate
$0
3.70%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.06% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8763 Union Centre Blvd, West Chester, OH 45069
Certificates 36 Months
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.06% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
36 Month Certificate
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.06% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
550 Main St, Cincinnati, OH 45202
36 Month Certificate
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.06% above avg
Details
Geauga Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.04%
PO Box 839, burton, OH 44021
IRA Certificates 36 Months
$0
3.65%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.01% above avg
Details
Ohio 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.65% APY▼ 0.02% from last week
The national average 48-month CD rate is 2.65% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
315 Croghan St, Fremont, OH 43420 3013
48 Month
$0
4.21%
▲ 1.56% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.56% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificates 48 months
$1,000
4.10%
▲ 1.45% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.45% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Jumbo Certificates 48 months
$100,000
4.10%
▲ 1.45% above national avg
▼
Rate4.02%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.45% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
48-Month Certificate
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.35% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate 48-Month
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.35% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 48-Month
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.35% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 48 Months
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
48 Month Certificate
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
IRA Certificates 48 Months Jumbo
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
$50,000+
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
48 Month Certificate
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
Charm Term 48 Months
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Business 48 months
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Certificates 48 months
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1340 Arrowhead Dr, Maumee, OH 43537
48 Month CD
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1340 Arrowhead Dr, Maumee, OH 43537
48 Month IRA
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
14111 Scottslawn Rd, Marysville, OH 43040
IRA Certificates - 48 Month
$500
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.32% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
48 Month Certificate
$100,000
3.95%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.30% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
5121 Whiteford Rd, Sylvania, OH 43560
48 Month Certificate
$500
3.92%
▲ 1.27% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.27% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
8010 E Broad St, Reynoldsburg, OH 43068 8000
48 Months CD
$500
3.90%
▲ 1.25% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.25% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
48 Month Certificate
$0
3.90%
▲ 1.25% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.25% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
48 Month Certificate
$500
3.85%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.20% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
48 Month Term IRA
$250
3.85%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.20% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
48 Month Certificate
$500
3.85%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.20% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
48 Month Certificate
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.20% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
48 Month Certificate
$5,000
3.85%
▲ 1.20% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.20% above avg
Details
Compounding Frequency: Daily
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3845 Angola Rd, Toledo, OH 43615
48 Month Certificate
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.15% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate 48-Month
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.15% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
832 Cleveland St, Elyria, OH 44035 4141
48 Month Certificate/IRA
$500
3.80%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.15% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
5255 Regency Dr, Parma, OH 44129 5453
4 Year Certificate
$500
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.15% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
550 Main St, Cincinnati, OH 45202
48 Month Certificate
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.15% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
48 Month Fixed IRA
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
48 Month Term Share Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8763 Union Centre Blvd, West Chester, OH 45069
Certificates 48 Months
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH 44107 2405
48 Month Certificate of Deposit
$500
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH 44107 2405
IRA 48 Month Certificate of Deposit
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Traditional, Roth, Educational
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
48 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
14710 W Portage River South Rd, Elmore, OH 43416
48 Month Certificate
$500
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.10% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
48 Month Certificate
$1,000
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Universal 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
1 River Park Dr, Dayton, OH 45409 2104
48 Month Certificate
$0
3.71%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.06% above avg
Details
Hancock Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 Trenton Ave, Findlay, OH 45840 3741
48 Month Certificate
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.05% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
48 Month Certificate
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.05% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit 48 months
$500
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.00% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
48 Month Fixed IRA
$0
3.65%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.00% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
48 Month Term Share Certificate
$0
3.65%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.00% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
48 Month Certificate
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.00% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
48 Month Certificate
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.00% above avg
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
5839 Ridge Rd, Parma, OH 44129 3165
Term Share (4 Year)
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.95% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
1001 S Reynolds Rd, Toledo, OH 43615
IRA Share Certificates of Deposit - 4 year
$0
3.60%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.95% above avg
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
401 Chillicothe St, Portsmouth, OH 45662
IRA Share Certificate 48 months
$500
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.91% above avg
Details
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
12837 US Highway 68, Kenton, OH 43326
48 MONTH CERTIFICATE
$75,000
3.56%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.91% above avg
Details
Ohio 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.75% APY▼ 0.03% from last week
The national average 60-month CD rate is 2.75% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
315 Croghan St, Fremont, OH 43420 3013
60 Month
$0
4.21%
▲ 1.46% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.46% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificates 60 months
$1,000
4.20%
▲ 1.45% above national avg
▼
Rate4.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.45% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Jumbo Certificates 60 months
$100,000
4.20%
▲ 1.45% above national avg
▼
Rate4.12%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.45% above avg
Details
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1 Union Sq, Bellevue, OH 44811
60 Month CD
$500
4.18%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.43% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
14111 Scottslawn Rd, Marysville, OH 43040
IRA Certificates - 60 Month
$500
4.18%
▲ 1.43% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.43% above avg
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
5839 Ridge Rd, Parma, OH 44129 3165
IRA Share Certificate (5 Year)
$0
4.11%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.36% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
5 Year IRA
$500
4.11%
▲ 1.36% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.36% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Business 60 months
$1,000
4.10%
▲ 1.35% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.35% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
505 Earl Blvd, Miamisburg, OH 45342
Certificates 60 months
$1,000
4.10%
▲ 1.35% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.35% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
60-Month Certificate
$1,000
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.30% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate 60-Month
$1,000
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.30% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 60-Month
$1,000
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.30% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3181 Larchmont Ave NE, Warren, OH 44483 2435
60 Month Jumbo Certificate
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.30% above avg
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2909 State Rd, Ashtabula, OH 44004
60 Month IRA Certificate
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.30% above avg
Details
Dividends: Quarterly
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3333 Burnet Ave, Cincinnati, OH 45229 3026
5 Year Certificate
$500
4.02%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.27% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
60 Month Bonus CD
$500
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.25% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
8010 E Broad St, Reynoldsburg, OH 43068 8000
60 Months CD
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
60 Month Certificate
$100,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
60 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
IRA Certificates 60 Months Jumbo
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
$50,000+
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
60 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
800 Falls Creek Dr, Vandalia, OH 45377 8600
Charm Term 60 Months
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
14710 W Portage River South Rd, Elmore, OH 43416
60 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.25% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
5121 Whiteford Rd, Sylvania, OH 43560
60 Month Certificate
$500
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.22% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
60 Month Certificate
$500
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.15% above avg
Details
KH Credit Union
7740 Paragon Rd, Dayton, OH 45459
60 Month Certificate
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.15% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
832 Cleveland St, Elyria, OH 44035 4141
60 Month Certificate/IRA
$500
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.10% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
60 Month Certificate
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.10% above avg
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
77 N Saint Clair St, Painesville, OH 44077
60 Month Certificate
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.10% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
60 Month Certificate
$5,000
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.10% above avg
Details
Compounding Frequency: Daily
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
403 Main St, Belpre, OH 45714 1615
60 Months
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.07% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3181 Larchmont Ave NE, Warren, OH 44483 2435
60 Month
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
60 Month Certificate
$500
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
555 Officenter Pl, Gahanna, OH 43230 5314
60 Month Term IRA
$250
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8763 Union Centre Blvd, West Chester, OH 45069
Certificates 60 Months
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
5255 Regency Dr, Parma, OH 44129 5453
5 Year Certificate
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.05% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
550 Main St, Cincinnati, OH 45202
60 Month Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.05% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
60 Month Fixed IRA
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.00% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
60 Month Term Share Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.00% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH 44107 2405
60 Month Certificate of Deposit
$500
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH 44107 2405
IRA 60 Month Certificate of Deposit
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
Traditional, Roth, Educational
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
60 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
60 Month Certificate
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Universal 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
1 River Park Dr, Dayton, OH 45409 2104
60 Month Certificate
$0
3.74%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.99% above avg
Details
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7221 Montgomery Rd, Cincinnati, OH 45236
Diamond Club Certificates 5 Years
$0
3.71%
▲ 0.96% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.96% above avg
Details
Hancock Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 Trenton Ave, Findlay, OH 45840 3741
60 Month Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.95% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
46 Federal Ave NW, Massillon, OH 44647
60 Month Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.95% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit 60 months
$500
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.90% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
60 Month Fixed IRA
$0
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.90% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1380 Market Ave N, Canton, OH 44714 2606
60 Month Term Share Certificate
$0
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.90% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Ohio CD Rate Trends
Compare local Ohio CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD OH Avg
2.840%
▼ 0.231 vs 7 days ago
Ohio 12-month CD rates fell 0.231 points over the past 7 days to 2.840% APY.
6-Month CD OH Avg
2.669%
▲ 0.238 vs 7 days ago
Ohio 6-month CD rates rose 0.238 points over the past 7 days to 2.669% APY.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OH CD Rate Forecast, Next 12 Months
Where are Ohio CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OH 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
Powered by
MonitorBankRates
What Your Savings Earn at OH CD Rates Today
Annual interest earnings at today’s Ohio average APYs. State average used where available; national average as fallback.
| CD Term | OH Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Ohio Savers
$25,000 split equally across 5 terms using today’s Ohio average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/yr | |
Ladder example uses equal $5,000 rungs and Ohio average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,256
CD Rates
Tracked in Ohio
Tracked in Ohio
53 Banks
81 Credit Unions
About Our Ohio CD Rate Database
MonitorBankRates tracks 1,256 CD rates from 53 banks and 81 credit unions with locations in Ohio, plus national online institutions available to Ohio residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: GLASS CITY offers a CD at 5.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Ohio.
How to Find the Best CD Rates in Ohio
What to compare when shopping for a CD in Ohio
To find the best APYs in Ohio, start with credit unions and online-only banks: Ohio has 81 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Ohio
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Ohio: 134 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Ohio savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Ohio money market rates
Ohio Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
18.3%
National avg: 17.3%
Median Individual Earnings
$44,003
National avg: $47,340
Poverty Rate
13.3%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$125/yr
At OH 12-mo avg 2.840% APY
18.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s OH 12-month CD average of 2.840%, saving 10% of the local median salary ($4,400/year) and putting it in a CD would earn an additional $125 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Ohio
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Ohio
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Ohio typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Ohio as everywhere in the U.S.
Choosing a CD Term in Ohio
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Ohio savers easier access to their funds. For example, General Electric Credit Union is offering its 6-month intro at 4.99% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Fremont Federal Credit Union is offering its 60 Month at 4.21% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Ohio Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Ohio saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Ohio
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Ohio CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Ohio
Most CDs carry a fixed rate that is locked for the entire term, protecting a Ohio depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Ohio
Are CD rates in Ohio FDIC insured?
Yes, most established banks in Ohio are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Ohio?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Ohio.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Ohio may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Ohio?
Here are recent top rates found for this area:
- GLASS CITY: 5.00% APY (12 Month Youth CD)
- General Electric Credit Union: 4.99% APY (6-month intro)
- Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
- Childrens Medical Center Federal Credit Union: 4.36% APY (2 Year Certificate)
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- PSE Credit Union Inc: 4.32% APY (2 Year Certificate)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- First Bank of Central Ohio: 4.30% APY (12 Month Certificate)
- Peoples First Savings Bank: 4.29% APY (24 Month IRA (Variable))
- Seven Seventeen Credit Union: 4.25% APY (36 Month Jumbo Certificate)
Rates reflect recent verified offers available in Ohio. Last Updated: September 9, 2026
Ohio CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Ohio rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Ohio
Ohio CD Calculator
At today’s OH top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Ohio CD LadderOH CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Ohio CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsOhio’s average 12-month CD is 2.840% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ohio CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Ohio directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Ohio. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in OH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 9, 2026
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