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CD Rate Trends

Ohio Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Ohio CD rates range from 2.69% to 6.03% APY, verified by MonitorBankRates as of October 23, 2026. Current Ohio CD rates include Vacationland Federal Credit UnionVacationland Federal Credit Union2409 E Perkins Ave, Sandusky, OH 44870A+5.0 ★Texas Ratio: 4.80%Real return: +2.33%APY minus CPIRate verified Oct 23, 2026 offering Youth Certificates - 12 Months at 6.03% APY, Scott Associates Credit UnionScott Associates Credit Union14111 Scottslawn Rd, Marysville, OH 43040A5.0 ★Texas Ratio: 6.90%Real return: +1.36%APY minus CPIRate verified Oct 19, 2026 offering 60 Month IRA Certificates at 5.06% APY, Seven Seventeen Credit UnionSeven Seventeen Credit Union3181 Larchmont Ave NE, Warren, OH 44483 2435A5.0 ★Texas Ratio: 7.64%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Jumbo Certificate at 5.00% APY, GLASS CITYGLASS CITY1340 Arrowhead Dr, Maumee, OH 43537A+5.0 ★Texas Ratio: 1.32%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 12 Month Youth CD at 5.00% APY, and Peoples First Savings BankPeoples First Savings Bank225 Reading Rd, Mason, OH 45040B4.6 ★Texas Ratio: 20.46%Real return: +1.21%APY minus CPIRate verified Oct 21, 2026 offering 24 Month IRA (Variable) at 4.91% APY. CD rates as of October 23, 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 6.03% APY from Vacationland Federal Credit Union at 2409 E Perkins Ave, Sandusky, OH 44870. 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: October 23, 2026

Compare Best CD Rates in Ohio

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Ohio 3 Month CD Rates

MonitorBankRates Ohio Average · 3 Month CD1.67% APY▼ 0.02% from last weekNational 2.13%
View 3-month CD rate trend

The average 3-month CD rate in Ohio is 1.67% APY, compared with 2.13% nationally, as of October 25, 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 Certificate of Deposit
$0
4.58% ▲ 2.91% above Ohio avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 2.91% above avgNationally 2.13%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 27, 2026: 4.32% APYOct 3, 2026: 4.58% APYSep 27, 2026Oct 25, 2026
  • Oct 3, 20264.58%▲ from 4.32%
  • Sep 27, 20264.32%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1810 Buchholzer Blvd, Akron, OH 44310
Share Certificate - 3 Months
$500
4.08% ▲ 2.41% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 2.41% above avgNationally 2.13%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 15, 2026: 4.08% APYOct 15, 2026Oct 25, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
550 Main St, Cincinnati, OH 45202
Standard Certificate - 3 Months
$500
3.90% ▲ 2.23% above Ohio avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 2.23% above avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 25, 2026
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
555 Metro Pl N, Dublin, OH 43017
Certificate of Deposit - 3 Months
$500
3.85% ▲ 2.18% above Ohio avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 2.18% above avgNationally 2.13%
Details

Early withdrawals subject to penalty

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
90 Day Certificate
$500
3.80% ▲ 2.13% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 2.13% above avgNationally 2.13%
Details

Rates current as of 10/05/2026

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
2.95%3.63%4.30%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.80%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
3 Month Certificate
$0
3.75% ▲ 2.08% above Ohio avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 2.08% above avgNationally 2.13%
Details

Certificates Account; Annual Percentage Rate 3.68%; Annual Percentage Yield 3.75%

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
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
3.71% ▲ 2.04% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average1.67%▲ 2.04% above avgNationally 2.13%
Details

Competitive interest rate, compounded and credited monthly; Monthly interest distribution available; APYs accurate as of 10/01/26; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
3.11%3.66%4.21%Sep 14, 2026: 3.61% APYOct 3, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20263.71%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
8763 Union Centre Blvd, West Chester, OH 45069
3 Month Certificates
$0
3.65% ▲ 1.98% above Ohio avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.98% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
First Federal S&L of Lakewood
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
5659 Broadview Rd, Parma, OH 44134
3-Month CD Special
$0
3.60% ▲ 1.93% above Ohio avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average1.67%▲ 1.93% above avgNationally 2.13%
Details

Visit Us

Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
118 N Court St, Circleville, OH 43113
3-Month CD
$1,000
3.56% ▲ 1.89% above Ohio avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 1.89% above avgNationally 2.13%
Details

CD Special; interest rate fixed for the term; renews automatically to a 3-month term at maturity; early withdrawal penalty may apply

Rate History
1 change since Sep 19, 2026 · 3.46% → 3.56% ▲ 0.10 pts · high 3.56% / low 3.46%
2.96%3.51%4.06%Sep 19, 2026: 3.46% APYSep 24, 2026: 3.56% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.56%▲ from 3.46%
  • Sep 19, 20263.46%first recorded
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
118 N Court St, Circleville, OH 43113
CD Specials - 3-Month CD
$1,000
3.56% ▲ 1.89% above Ohio avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 1.89% above avgNationally 2.13%
Details

Interest rate is fixed for the term; renews automatically to a 3-month term at maturity; penalty may be imposed for early withdrawal; rates accurate as of September 21, 2026

Rate History
No change since Oct 21, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 21, 2026: 3.56% APYOct 21, 2026Oct 25, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
10485 Reading Rd, Cincinnati, OH 45241 2523
3-Month Certificate
$0
3.55% ▲ 1.88% above Ohio avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.88% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
10485 Reading Rd, Cincinnati, OH 45241 2523
IRA 3-Month Certificate
$0
3.55% ▲ 1.88% above Ohio avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.88% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
8800 Cleveland Ave NW, North Canton, OH 44720
Share Certificate - 3 Months
$0
3.55% ▲ 1.88% above Ohio avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.88% above avgNationally 2.13%
Details

Balance: $50,000 & Over

Rate History
No change since Oct 19, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 19, 2026: 3.55% APYOct 19, 2026Oct 25, 2026
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
3.50% ▲ 1.83% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average1.67%▲ 1.83% above avgNationally 2.13%
Details

Maximum deposit $250,000 when opened online; $500,000 when opened in the branch; Visit a branch

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 18, 2026: 3.25% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6310 Tylersville Rd, Mason, OH 45040
CD Special - 3 Months
$2,000
3.50% ▲ 1.83% above Ohio avg
View
▼
Rate3.44%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average1.67%▲ 1.83% above avgNationally 2.13%
Details

Day/Year: 365/366; Early Withdrawal Penalty: 45 Days; Effective September 22, 2026

Rate History
No change since Oct 20, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Certificates + 3 month
$500
3.50% ▲ 1.83% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.83% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
3 Month Certificate
$500
3.50% ▲ 1.83% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.83% above avgNationally 2.13%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
3 Month Term IRA
$250
3.50% ▲ 1.83% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.83% above avgNationally 2.13%
Details

KEMBA Advantage APY

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
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% ▲ 1.68% above Ohio avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 1.68% above avgNationally 2.13%
Details

Rate History
No change since Sep 7, 2026 · 3.35% APY · checked 9 times
2.85%3.35%3.85%Sep 7, 2026: 3.35% APYSep 7, 2026Oct 25, 2026
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
3 Month CD
$5,000
3.35% ▲ 1.68% above Ohio avg
View
▼
Rate3.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average1.67%▲ 1.68% above avgNationally 2.13%
Details

Compounding Frequency: Simple

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
8800 Cleveland Ave NW, North Canton, OH 44720
Share Certificate - 3 Months
$0
3.29% ▲ 1.62% above Ohio avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.62% above avgNationally 2.13%
Details

Balance: $1,000 - $49,999

Rate History
No change since Oct 19, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 19, 2026: 3.29% APYOct 19, 2026Oct 25, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5121 Whiteford Rd, Sylvania, OH 43560
3 Month Certificate
$500
3.25% ▲ 1.58% above Ohio avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.58% above avgNationally 2.13%
Details

Effective 10/01/2026

Rate History
1 change since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
2.39%3.07%3.75%Sep 14, 2026: 2.89% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.25%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1205 E Kibby St, Lima, OH 45804
Share Certificate - 3 Months
$1,000
3.25% ▲ 1.58% above Ohio avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.58% above avgNationally 2.13%
Details

Rates effective as of 10/1/2026; APY = Annual Percentage Yield; Dividends compounded quarterly; 90-day early withdrawal penalty

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1800 Vine St, Cincinnati, OH 45202
3 Month IRA/ESA Share Certificate - TruAdvantage
$500
3.25% ▲ 1.58% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.58% above avgNationally 2.13%
Details

Minimum investment $500; APY as of Oct. 1, 2026

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1800 Vine St, Cincinnati, OH 45202
Certificate - 3 Month - TruAdvantage
$0
3.25% ▲ 1.58% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.58% above avgNationally 2.13%
Details

IRA/ESA/Certificates; TruAdvantage membership APY; Yields as of Sept. 1, 2026

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
959 W 8th St, Cincinnati, OH 45203
3 Month Certificate
$1,000
3.25% ▲ 1.58% above Ohio avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.58% above avgNationally 2.13%
Details

Base Rates; $1,000 minimum to open; Effective Date: 09/01/2026

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 25, 2026
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
959 W 8th St, Cincinnati, OH 45203
Certificate - 3 mo.
$0
3.25% ▲ 1.58% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.58% above avgNationally 2.13%
Details

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 3 months
$0
3.12% ▲ 1.45% above Ohio avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.45% above avgNationally 2.13%
Details

Balance: Over $75,000

Rate History
No change since Sep 25, 2026 · 3.12% APY · checked 2 times
2.62%3.12%3.62%Sep 25, 2026: 3.12% APYSep 25, 2026Oct 25, 2026
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1800 Vine St, Cincinnati, OH 45202
3 Month IRA/ESA Share Certificate - TruBenefits
$500
3.10% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.43% above avgNationally 2.13%
Details

Minimum investment $500; APY as of Oct. 1, 2026

Rate History
No change since Oct 19, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 25, 2026
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1800 Vine St, Cincinnati, OH 45202
Certificate - 3 Month - TruBenefits
$0
3.10% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.43% above avgNationally 2.13%
Details

IRA/ESA/Certificates; TruBenefits membership APY; Yields as of Sept. 1, 2026

Rate History
No change since Oct 19, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 25, 2026
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
5500 Britton Pkwy, Hilliard, OH 43026 7456
3 Month Regular Certificate
$500
3.05% ▲ 1.38% above Ohio avg
View
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.38% above avgNationally 2.13%
Details

Dividends compound quarterly; penalty for early withdrawal; $100 min. to open IRA certificates

Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 14, 2026: 3.05% APYOct 14, 2026Oct 25, 2026
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% ▲ 1.37% above Ohio avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 1.37% above avgNationally 2.13%
Details

Certificate accounts; Minimum balance to obtain APY: $500

Rate History
No change since Sep 24, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 24, 2026: 3.04% APYSep 24, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 3 months
$0
3.02% ▲ 1.35% above Ohio avg
View
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.35% above avgNationally 2.13%
Details

Balance: $500 - $14,999.99

Rate History
No change since Sep 25, 2026 · 3.02% APY · checked 2 times
2.52%3.02%3.52%Sep 25, 2026: 3.02% APYSep 25, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
3 Month Certificate
$500
3.00% ▲ 1.33% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.00% ▼ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.00%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
3 Month Term IRA
$250
3.00% ▲ 1.33% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details

Everyday APY

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1800 Vine St, Cincinnati, OH 45202
3 Month IRA/ESA Share Certificate - Regular
$500
3.00% ▲ 1.33% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details

Minimum investment $500; APY as of Oct. 1, 2026

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1800 Vine St, Cincinnati, OH 45202
Certificate - 3 Month
$0
3.00% ▲ 1.33% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details

IRA/ESA/Certificates; Regular APY; Yields as of Sept. 1, 2026

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
AurGroup Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
8811 Holden Blvd, Fairfield, OH 45014
Term Share Certificate - 3 Month
$0
3.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details

Rate History
1 change since Oct 14, 2026 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25%
1.50%2.63%3.75%Oct 14, 2026: 2.25% APYOct 19, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20263.00%▲ from 2.25%
  • Oct 14, 20262.25%first recorded
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
100 Main St, Groveport, OH 43125 1198
3 Month Term Share Certificate
$0
2.93% ▲ 1.26% above Ohio avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.26% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 3 Month Dividend; Dividend Period: Monthly

Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 8 times
2.43%2.93%3.43%Sep 14, 2026: 2.93% APYSep 14, 2026Oct 25, 2026
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8770 N State Route 66, Defiance, OH 43512 8254
Share Certificates and IRAs - 3 Months
$0
2.84% ▲ 1.17% above Ohio avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.17% above avgNationally 2.13%
Details

Balance: $90,000 +; APY* = Annual Percentage Yield

Rate History
No change since Oct 23, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 23, 2026: 2.84% APYOct 23, 2026Oct 25, 2026
Softite Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
1201 S Zane Hwy, Martins Ferry, OH 43935 1965
90 Day Certificate
$0
2.80% ▲ 1.13% above Ohio avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.13% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 22, 2026: 2.80% APYOct 22, 2026Oct 25, 2026
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8770 N State Route 66, Defiance, OH 43512 8254
3 Month Share Certificates and IRAs
$0
2.79% ▲ 1.12% above Ohio avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.12% above avgNationally 2.13%
Details

Balance: $50,000 - $89,999

Rate History
No change since Oct 12, 2026 · 2.79% APY · checked 3 times
2.29%2.79%3.29%Oct 12, 2026: 2.79% APYOct 12, 2026Oct 25, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
4726 HILLS AND DALES RD NW, CANTON, OH 44708 1571
3 Month Share Certificate
$0
2.78% ▲ 1.11% above Ohio avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.11% above avgNationally 2.13%
Details

Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older

Rate History
No change since Oct 15, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 15, 2026: 2.78% APYOct 15, 2026Oct 25, 2026
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
33 Graham Rd, Cuyahoga Falls, OH 44223
Term Share Certificates - 3 Month
$500
2.75% ▲ 1.08% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.08% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 25, 2026
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8770 N State Route 66, Defiance, OH 43512 8254
3 Month Share Certificates and IRAs
$0
2.74% ▲ 1.07% above Ohio avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.07% above avgNationally 2.13%
Details

Balance: $10,000 - $49,999

Rate History
No change since Oct 12, 2026 · 2.74% APY · checked 2 times
2.24%2.74%3.24%Oct 12, 2026: 2.74% APYOct 12, 2026Oct 25, 2026
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8770 N State Route 66, Defiance, OH 43512 8254
Share Certificates and IRAs - 3 Months
$0
2.69% ▲ 1.02% above Ohio avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.02% above avgNationally 2.13%
Details

Balance: $250 - $9,999

Rate History
No change since Oct 23, 2026 · 2.69% APY
2.19%2.69%3.19%Oct 23, 2026: 2.69% APYOct 23, 2026Oct 25, 2026

Ohio 6 Month CD Rates

MonitorBankRates Ohio Average · 6 Month CD2.80% APY▼ 0.04% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Ohio is 2.80% APY, compared with 2.78% nationally, as of October 25, 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
6 Month Bonus CD
$0
4.75% ▲ 1.95% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▲ 1.95% above avgNationally 2.78%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.75% APY · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APYSep 18, 2026Oct 25, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 6 Month
$0
4.40% ▲ 1.60% above Ohio avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.60% above avgNationally 2.78%
Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.40% ▲ 0.44 pts · high 4.40% / low 3.96%
3.46%4.18%4.90%Sep 14, 2026: 3.96% APYOct 12, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.40%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
8228 Mayfield Rd, Chesterland, OH 44026
6 Month Certificate of Deposit
$0
4.30% ▲ 1.50% above Ohio avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.80%▲ 1.50% above avgNationally 2.78%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 27, 2026: 4.04% APYOct 3, 2026: 4.30% APYSep 27, 2026Oct 25, 2026
  • Oct 3, 20264.30%▲ from 4.04%
  • Sep 27, 20264.04%first recorded
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
225 Reading Rd, Mason, OH 45040
Certificate of Deposit Rate Specials - 6 Months
$500
4.25% ▲ 1.45% above Ohio avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.80%▲ 1.45% above avgNationally 2.78%
Details

Rates that have current Specials

Rate History
No change since Oct 21, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
340 Griswold Rd, Elyria, OH 44035
6 Month Share Certificate
$0
4.25% ▲ 1.45% above Ohio avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.45% above avgNationally 2.78%
Details

Balance: $500-$49,000; Dividends compound monthly

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1810 Buchholzer Blvd, Akron, OH 44310
Share Certificate - 6 Months
$500
4.24% ▲ 1.44% above Ohio avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.44% above avgNationally 2.78%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 15, 2026: 4.24% APYOct 15, 2026Oct 25, 2026
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Main St, Baltic, OH 43804
6 Month CD
$0
4.15% ▲ 1.35% above Ohio avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.80%▲ 1.35% above avgNationally 2.78%
Details

Penalty will be imposed for early withdrawal; Rates current as of October 8, 2026

Rate History
1 change since Sep 19, 2026 · 3.92% → 4.15% ▲ 0.23 pts · high 4.15% / low 3.92%
3.42%4.04%4.65%Sep 19, 2026: 3.92% APYOct 14, 2026: 4.15% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.15%▲ from 3.92%
  • Sep 19, 20263.92%first recorded
LorMet Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2051 Cooper Foster Park Rd, Amherst, OH 44001 1208
6 Month Certificate Special
$1,000
4.15% ▲ 1.35% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.35% above avgNationally 2.78%
Details

Certificates Federally Insured; Open LorMet Checking Account required; penalty may be charged for early withdrawal; Rates effective as of October 2, 2026

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 10 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
971 WOOSTER RD W, BARBERTON, OH 44203
6-Month Share & IRA Certificate
$1,000
4.13% ▲ 1.33% above Ohio avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.33% above avgNationally 2.78%
Details

Six-month term not available for an IRA Certificate; $500.00 opening deposit on a custodial account; rates in effect 8-21-2026

Rate History
No change since Oct 23, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 23, 2026: 4.13% APYOct 23, 2026Oct 25, 2026
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8500 Westport Dr, Mentor, OH 44060
6 Month Certificate
$500
4.10% ▲ 1.30% above Ohio avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.30% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 19, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
115 Hospital Dr, Van Wert, OH 45891
6-Month Business CD
$2,500
4.10% ▲ 1.30% above Ohio avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.30% above avgNationally 2.78%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
115 Hospital Dr, Van Wert, OH 45891
6-Month CD
$2,500
4.10% ▲ 1.30% above Ohio avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.30% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
119 Fillmore Ave, Dover, OH 44622 2061
Certificate Accounts - 6 Month Certificate
$0
4.08% ▲ 1.28% above Ohio avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.28% above avgNationally 2.78%
Details

$500 minimum balance and dividend forfeiture for principal withdrawn prior to maturity

Rate History
No change since Oct 19, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 25, 2026
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
119 Fillmore Ave, Dover, OH 44622 2061
Certificate IRA - 6 Month Certificate
$0
4.08% ▲ 1.28% above Ohio avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.28% above avgNationally 2.78%
Details

$500 minimum balance and dividend forfeiture for principal withdrawn prior to maturity; Rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 25, 2026
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6108 State Rd, Parma, OH 44134 3702
Certificates of Deposit (CD) - 6 months
$500
4.08% ▲ 1.28% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.28% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 25, 2026
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
501 Hopewell Dr, Heath, OH 43056
6 Month Certificate
$500
4.07% ▲ 1.27% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.27% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.07% ▲ 0.77 pts · high 4.07% / low 3.30%
2.53%3.69%4.84%Sep 14, 2026: 3.30% APYOct 23, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.07%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
6 Month Share and IRA Jumbo Certificates
$0
4.04% ▲ 1.24% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.24% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 25, 2026
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3333 Burnet Ave, Cincinnati, OH 45229 3026
6 Month Certificate of Deposit
$500
4.02% ▲ 1.22% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.22% above avgNationally 2.78%
Details

CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 15, 2026: 4.02% APYOct 15, 2026Oct 25, 2026
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
900 E WAYNE ST, CELINA, OH 45822
Share Certificate 6 Month
$500
4.01% ▲ 1.21% above Ohio avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.21% above avgNationally 2.78%
Details

Early withdrawal penalty: if certificate is less than 12 months, 90 day dividend penalty; if greater than 12 months, 180 day dividend penalty. Rates as of 10/1/2026.

Rate History
1 change since Sep 12, 2026 · 3.70% → 4.01% ▲ 0.31 pts · high 4.01% / low 3.70%
3.20%3.86%4.51%Sep 12, 2026: 3.70% APYSep 25, 2026: 4.01% APYSep 12, 2026Oct 25, 2026
  • Sep 25, 20264.01%▲ from 3.70%
  • Sep 12, 20263.70%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificate of Deposit - 6 Month
$1,000
4.00% ▲ 1.20% above Ohio avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit - 6 Month
$1,000
4.00% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts - 6-Month
$1,000
4.00% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA Certificate - 6-Month
$1,000
4.00% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
CD Specials - 6 Month
$0
4.00% ▲ 1.20% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
Certificate of Deposit - 6 Month
$10,000
4.00% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

New accounts only with $10,000 new money deposit; offers effective 4/20/26; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Jeep Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
7030 Spring Meadows West Dr, Holland, OH 43528 9293
6 Month Special Certificate
$1,000
4.00% ▲ 1.20% above Ohio avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

Special Certificate; $1000 minimum; Rates effective as of October 22, 2026

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit - 6 months
$500
4.00% ▲ 1.20% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
6 Month Certificate
$500
4.00% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
6 Month Term IRA
$250
4.00% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

KEMBA Advantage APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
6 Month Certificate
$0
4.00% ▲ 1.20% above Ohio avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

Certificates Account; Annual Percentage Rate 3.92%; Annual Percentage Yield 4.00%

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
FIRELANDS
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
300 North Street, Bellevue, OH 44811
Share Certificate - 6 months
$500
4.00% ▲ 1.20% above Ohio avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

Penalty for early withdrawal. Dividends compounded and paid quarterly.

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
National Cooperative Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
139 S High St, Hillsboro, OH 45133
6 Month Impact CD
$2,500
3.98% ▲ 1.18% above Ohio avg
View
▼
Rate3.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.18% above avgNationally 2.78%
Details

Online Only; rate fixed until first maturity; interest compounded continuously and credited quarterly and at maturity; early withdrawal penalty equals 3 months interest; automatically renews

Rate History
No change since Oct 22, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 22, 2026: 3.98% APYOct 22, 2026Oct 25, 2026
FNB of Waverly
Institution Rating:
B+4.7 ★Texas Ratio: 18.82%
107 N Market St, Waverly, OH 45690
Certificate of Deposit Specials - 6 Month Special
$1,000
3.98% ▲ 1.18% above Ohio avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.18% above avgNationally 2.78%
Details

Compound: Simple; Early withdrawal penalty: 3 Months Interest; Max deposit $250,000; No Public Funds or Jumbo CDs

Rate History
No change since Oct 23, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 23, 2026: 3.98% APYOct 23, 2026Oct 25, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
550 Main St, Cincinnati, OH 45202
Standard Certificate - 6 Months
$500
3.95% ▲ 1.15% above Ohio avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.15% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6100 Rockside Woods Blvd N Ste 150, Independence, OH 44131 2334
6 Month Certificate
$0
3.95% ▲ 1.15% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.15% above avgNationally 2.78%
Details

Balance: $500.00 - $Max

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 14, 2026: 3.75% APYSep 29, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.95%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6100 Rockside Woods Blvd N Ste 150, Independence, OH 44131 2334
6 Month IRA Certificate
$0
3.95% ▲ 1.15% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.15% above avgNationally 2.78%
Details

Balance: $500.00 - $Max

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 18, 2026: 3.75% APYOct 9, 2026: 3.95% APYSep 18, 2026Oct 25, 2026
  • Oct 9, 20263.95%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
6 Month Certificate
$500
3.95% ▲ 1.15% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.15% above avgNationally 2.78%
Details

Rates current as of 10/05/2026

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
3.15%3.80%4.45%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.95%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
6 Month Share and IRA Certificates
$0
3.94% ▲ 1.14% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.14% above avgNationally 2.78%
Details

Rates effective August 5, 2026

Rate History
1 change since Sep 14, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54%
3.04%3.74%4.44%Sep 14, 2026: 3.54% APYSep 22, 2026: 3.94% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20263.94%▲ from 3.54%
  • Sep 14, 20263.54%first recorded
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5255 Regency Dr, Parma, OH 44129 5453
Certificate Account - 6 Month
$0
3.91% ▲ 1.11% above Ohio avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.11% above avgNationally 2.78%
Details

Certificate rates remain fixed for the term; APY compounded quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 19, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 19, 2026: 3.91% APYOct 19, 2026Oct 25, 2026
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5255 Regency Dr, Parma, OH 44129 5453
IRA Certificate - 6 Month
$0
3.91% ▲ 1.11% above Ohio avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.11% above avgNationally 2.78%
Details

IRA certificate; certificate rates remain fixed for the term; APY compounded quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 19, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 19, 2026: 3.91% APYOct 19, 2026Oct 25, 2026
Hocking Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
7 W Stimson Ave, Athens, OH 45701
6-month CD
$2,500
3.90% ▲ 1.10% above Ohio avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details

Renewable; penalty imposed for early withdrawal; APY effective October 16, 2026

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 14, 2026: 3.50% APYOct 21, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.90%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6700 N High St, Worthington, OH 43085
Certificate of Deposit - 6 months
$500
3.90% ▲ 1.10% above Ohio avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details

Penalty: 90 days; Frequency of Compounding: Daily; Interest rate fixed for the term

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
7740 Paragon Rd, Dayton, OH 45459
Share Certificates of Deposits - 6 Months - Jumbo
$0
3.90% ▲ 1.10% above Ohio avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details

Jumbo ($50,000+) Rate and Yield; A Premium is also paid on Jumbo Share Certificates

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
33 Graham Rd, Cuyahoga Falls, OH 44223
Term Share Certificates - 6 Month
$500
3.90% ▲ 1.10% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1340 Arrowhead Dr, Maumee, OH 43537
6 Month CD
$500
3.90% ▲ 1.10% above Ohio avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Certificates + 6 month
$500
3.85% ▲ 1.05% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.05% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Business Certificate Jumbo - ConnectMORE
$100,000
3.85% ▲ 1.05% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.05% above avgNationally 2.78%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 25, 2026
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1 Union Sq, Bellevue, OH 44811
6 Month Certificate of Deposit (CD)
$500
3.82% ▲ 1.02% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.02% above avgNationally 2.78%
Details

Minimum balance to obtain APY: $500.00; APY accurate as of 10/21/2026; Early withdrawal penalties apply

Rate History
No change since Sep 19, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 19, 2026: 3.82% APYSep 19, 2026Oct 25, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5121 Whiteford Rd, Sylvania, OH 43560
6 Month Certificate
$500
3.82% ▲ 1.02% above Ohio avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.02% above avgNationally 2.78%
Details

Effective 10/01/2026

Rate History
1 change since Sep 14, 2026 · 3.09% → 3.82% ▲ 0.73 pts · high 3.82% / low 3.09%
2.36%3.46%4.55%Sep 14, 2026: 3.09% APYOct 9, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.82%▲ from 3.09%
  • Sep 14, 20263.09%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2043 E Prospect Rd, Ashtabula, OH 44004
6 Month IRA Certificate
$500
3.82% ▲ 1.02% above Ohio avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.02% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 25, 2026

Ohio 12 Month CD Rates

MonitorBankRates Ohio Average · 12 Month CD3.15% APY▼ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Ohio is 3.15% APY, compared with 2.99% nationally, as of October 25, 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
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$500
6.03% ▲ 2.88% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.88% above avgNationally 2.99%
Details

Age: 19; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 6.03% APY · checked 10 times
5.53%6.03%6.53%Sep 14, 2026: 6.03% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$500
5.93% ▲ 2.78% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.78% above avgNationally 2.99%
Details

Age: 18; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.93% APY · checked 10 times
5.43%5.93%6.43%Sep 14, 2026: 5.93% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$500
5.82% ▲ 2.67% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.67% above avgNationally 2.99%
Details

Age: 17; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.82% APY · checked 10 times
5.32%5.82%6.32%Sep 14, 2026: 5.82% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$500
5.72% ▲ 2.57% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.57% above avgNationally 2.99%
Details

Age: 16; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.72% APY · checked 10 times
5.22%5.72%6.22%Sep 14, 2026: 5.72% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$500
5.62% ▲ 2.47% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.47% above avgNationally 2.99%
Details

Age: 15; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.62% APY · checked 10 times
5.12%5.62%6.12%Sep 14, 2026: 5.62% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$500
5.51% ▲ 2.36% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.36% above avgNationally 2.99%
Details

Age: 14; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.51% APY · checked 10 times
5.01%5.51%6.01%Sep 14, 2026: 5.51% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$500
5.41% ▲ 2.26% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.26% above avgNationally 2.99%
Details

Age: 13; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.41% APY · checked 10 times
4.91%5.41%5.91%Sep 14, 2026: 5.41% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
5.30% ▲ 2.15% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.15% above avgNationally 2.99%
Details

Age: 12; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.30% APY · checked 10 times
4.80%5.30%5.80%Sep 14, 2026: 5.30% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
5.20% ▲ 2.05% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 2.05% above avgNationally 2.99%
Details

Age: 11; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.20% APY · checked 10 times
4.70%5.20%5.70%Sep 14, 2026: 5.20% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
5.10% ▲ 1.95% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.95% above avgNationally 2.99%
Details

Age: 10; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 5.10% APY · checked 10 times
4.60%5.10%5.60%Sep 14, 2026: 5.10% APYSep 14, 2026Oct 25, 2026
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1340 Arrowhead Dr, Maumee, OH 43537
12 Month Youth CD
$100
5.00% ▲ 1.85% above Ohio avg
View
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.99% ▲ 1.84% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.84% above avgNationally 2.99%
Details

Age: 9; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.99% APY · checked 10 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.88% ▲ 1.73% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.73% above avgNationally 2.99%
Details

Age: 8; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.88% APY · checked 10 times
4.38%4.88%5.38%Sep 14, 2026: 4.88% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.78% ▲ 1.63% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.63% above avgNationally 2.99%
Details

Age: 7; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.78% APY · checked 10 times
4.28%4.78%5.28%Sep 14, 2026: 4.78% APYSep 14, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.68% ▲ 1.53% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.53% above avgNationally 2.99%
Details

Age: 6; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.68% APY · checked 10 times
4.18%4.68%5.18%Sep 14, 2026: 4.68% APYSep 14, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1810 Buchholzer Blvd, Akron, OH 44310
12-Month IRA
$0
4.60% ▲ 1.45% above Ohio avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.45% above avgNationally 2.99%
Details

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 25, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.58% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.43% above avgNationally 2.99%
Details

Age: 5; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.58% APY · checked 10 times
4.08%4.58%5.08%Sep 14, 2026: 4.58% APYSep 14, 2026Oct 25, 2026
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
4.50% ▲ 1.35% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▲ 1.35% above avgNationally 2.99%
Details

Minimum to Open: $500; Online CD

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 18, 2026: 4.35% APYOct 20, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20264.50%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 12 Month
$0
4.50% ▲ 1.35% above Ohio avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.35% above avgNationally 2.99%
Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05%
3.55%4.28%5.00%Sep 14, 2026: 4.05% APYOct 12, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.50%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2492 Wedgewood Dr Ste B, Akron, OH 44312 2422
IRA Certificate - 12 Month
$0
4.50% ▲ 1.35% above Ohio avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.35% above avgNationally 2.99%
Details

Effective Date: 10/1/2026; Minimum balance to earn is $1,000 for IRA

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2492 Wedgewood Dr Ste B, Akron, OH 44312 2422
Standard Certificate - 12 Month
$0
4.50% ▲ 1.35% above Ohio avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.35% above avgNationally 2.99%
Details

Effective Date: 10/1/2026

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.47% ▲ 1.32% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.32% above avgNationally 2.99%
Details

Age: 4; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.47% APY · checked 10 times
3.97%4.47%4.97%Sep 14, 2026: 4.47% APYSep 14, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1810 Buchholzer Blvd, Akron, OH 44310
Share Certificate - 12 Months
$500
4.39% ▲ 1.24% above Ohio avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.24% above avgNationally 2.99%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.37% ▲ 1.22% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.22% above avgNationally 2.99%
Details

Age: 3; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.37% APY · checked 10 times
3.87%4.37%4.87%Sep 14, 2026: 4.37% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1240 E 9th St, Cleveland, OH 44199
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.20% above Ohio avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3333 Burnet Ave, Cincinnati, OH 45229 3026
1 Year Certificate of Deposit
$500
4.31% ▲ 1.16% above Ohio avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.16% above avgNationally 2.99%
Details

CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.31% APY · checked 5 times
3.81%4.31%4.81%Sep 18, 2026: 4.31% APYSep 18, 2026Oct 25, 2026
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6700 N High St, Worthington, OH 43085
Certificate of Deposit - 12 months
$500
4.30% ▲ 1.15% above Ohio avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.15% above avgNationally 2.99%
Details

Penalty: 90 days; Frequency of Compounding: Daily; Interest rate fixed for the term

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
115 Hospital Dr, Van Wert, OH 45891
12-Month Business CD
$500
4.30% ▲ 1.15% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.15% above avgNationally 2.99%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
115 Hospital Dr, Van Wert, OH 45891
12-Month CD
$500
4.30% ▲ 1.15% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.27% ▲ 1.12% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.12% above avgNationally 2.99%
Details

Age: 2; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.27% APY · checked 10 times
3.77%4.27%4.77%Sep 14, 2026: 4.27% APYSep 14, 2026Oct 25, 2026
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% ▲ 1.10% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Months 10-12 APY; Minimum to Obtain: $500

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
413 Main St, Coshocton, OH 43812
12 Month Certificate
$500
4.25% ▲ 1.10% above Ohio avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

SPECIAL

Rate History
2 changes since Sep 11, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 11, 2026: 3.85% APYOct 14, 2026: 4.10% APYOct 21, 2026: 4.25% APYSep 11, 2026Oct 25, 2026
  • Oct 21, 20264.25%▲ from 4.10%
  • Oct 14, 20264.10%▲ from 3.85%
  • Sep 11, 20263.85%first recorded
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
413 Main St, Coshocton, OH 43812
12 Month IRA Certificate
$500
4.25% ▲ 1.10% above Ohio avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

SPECIAL

Rate History
1 change since Oct 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Oct 14, 2026: 4.10% APYOct 21, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
  • Oct 21, 20264.25%▲ from 4.10%
  • Oct 14, 20264.10%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate - 12-Month
$500
4.25% ▲ 1.10% above Ohio avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 12, 2026: 3.85% APYSep 20, 2026: 4.00% APYOct 15, 2026: 4.25% APYSep 12, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%▲ from 3.85%
  • Sep 12, 20263.85%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
Regular Certificate - 12-Month
$500
4.25% ▲ 1.10% above Ohio avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 12, 2026: 3.85% APYSep 18, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%▲ from 3.85%
  • Sep 12, 20263.85%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Certificates + 12 month
$500
4.25% ▲ 1.10% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
3.05%3.95%4.85%Sep 14, 2026: 3.65% APYSep 25, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20264.25%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Fasson Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
250 Chester St # 1 E, Painesville, OH 44077 4118
Certificate Account - 12 Month Maturity
$1,000
4.25% ▲ 1.10% above Ohio avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Effective 09/23/2026; dividends paid at maturity; additional deposits not allowed; no early withdrawals without a penalty; available terms may vary

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
12 Month Certificate
$0
4.25% ▲ 1.10% above Ohio avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Certificates Account; Annual Percentage Rate 4.16%; Annual Percentage Yield 4.25%

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8500 Westport Dr, Mentor, OH 44060
12 Month Certificate
$500
4.25% ▲ 1.10% above Ohio avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.85% APYOct 10, 2026: 4.00% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.25%▲ from 4.00%
  • Oct 10, 20264.00%▲ from 3.85%
  • Sep 22, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
340 Griswold Rd, Elyria, OH 44035
12 Month Share Certificate
$0
4.25% ▲ 1.10% above Ohio avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Balance: $500-$49,000; Dividends compound monthly

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
12 Month IRA Certificates
$500
4.23% ▲ 1.08% above Ohio avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.08% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
2.88%3.89%4.90%Sep 18, 2026: 3.56% APYOct 19, 2026: 4.23% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.23%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
12 Month Share Certificates
$500
4.23% ▲ 1.08% above Ohio avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.08% above avgNationally 2.99%
Details

Minimum deposit of $500 required.

Rate History
1 change since Sep 22, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
2.88%3.89%4.90%Sep 22, 2026: 3.56% APYOct 9, 2026: 4.23% APYSep 22, 2026Oct 25, 2026
  • Oct 9, 20264.23%▲ from 3.56%
  • Sep 22, 20263.56%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
12 Month Share and IRA Jumbo Certificates
$0
4.22% ▲ 1.07% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.07% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.22% APY
3.72%4.22%4.72%Oct 19, 2026: 4.22% APYOct 19, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Youth Certificates - 12 Months
$100
4.16% ▲ 1.01% above Ohio avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 1.01% above avgNationally 2.99%
Details

Age: 1; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 10 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 25, 2026
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Main St, Baltic, OH 43804
12 Month CD
$0
4.15% ▲ 1.00% above Ohio avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average3.15%▲ 1.00% above avgNationally 2.99%
Details

Penalty will be imposed for early withdrawal; Rates current as of October 8, 2026

Rate History
2 changes since Sep 19, 2026 · 3.82% → 4.15% ▲ 0.33 pts · high 4.15% / low 3.82%
3.32%3.99%4.65%Sep 19, 2026: 3.82% APYSep 27, 2026: 4.00% APYOct 14, 2026: 4.15% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.15%▲ from 4.00%
  • Sep 27, 20264.00%▲ from 3.82%
  • Sep 19, 20263.82%first recorded
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
33 Graham Rd, Cuyahoga Falls, OH 44223
Term Share Certificates - 12 Month
$500
4.15% ▲ 1.00% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4988 Wagner Ford Rd, Dayton, OH 45414 4420
IRA 12 Month Certificate
$0
4.15% ▲ 1.00% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4988 Wagner Ford Rd, Dayton, OH 45414 4420
Share Certificates - 12 Month Certificate
$0
4.15% ▲ 1.00% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.00% above avgNationally 2.99%
Details

Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 14, 2026: 3.80% APYOct 22, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.15%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
National Cooperative Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
139 S High St, Hillsboro, OH 45133
12 Month Impact CD
$2,500
4.13% ▲ 0.98% above Ohio avg
View
▼
Rate4.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 0.98% above avgNationally 2.99%
Details

Online Only; rate fixed until first maturity; interest compounded continuously and credited quarterly; early withdrawal penalty equals 6 months interest; automatically renews

Rate History
No change since Oct 22, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 22, 2026: 4.13% APYOct 22, 2026Oct 25, 2026
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
12 Month Share and IRA Certificates
$0
4.12% ▲ 0.97% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.97% above avgNationally 2.99%
Details

Rates effective August 5, 2026

Rate History
1 change since Sep 14, 2026 · 3.73% → 4.12% ▲ 0.39 pts · high 4.12% / low 3.73%
3.23%3.93%4.62%Sep 14, 2026: 3.73% APYSep 22, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.12%▲ from 3.73%
  • Sep 14, 20263.73%first recorded

Ohio 18 Month CD Rates

MonitorBankRates Ohio Average · 18 Month CD2.86% APY▼ 0.04% from last weekNational 2.88%
View 18-month CD rate trend

The average 18-month CD rate in Ohio is 2.86% APY, compared with 2.88% nationally, as of October 25, 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: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 18 Month
$0
4.55% ▲ 1.69% above Ohio avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.69% above avgNationally 2.88%
Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.55% ▲ 0.44 pts · high 4.55% / low 4.11%
3.61%4.33%5.05%Sep 14, 2026: 4.11% APYOct 12, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.55%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
18 Month Jumbo Certificate
$0
4.55% ▲ 1.69% above Ohio avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.69% above avgNationally 2.88%
Details

Balance: $250,000 or more; includes additional 0.25% APY jumbo bonus

Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.30% APYOct 19, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.55%▲ from 4.30%
  • Oct 9, 20264.30%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
First Federal S&L of Van Wert
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
679 Fox Rd, Van Wert, OH 45891
18 Month Certificate of Deposit (CD) Special
$0
4.50% ▲ 1.64% above Ohio avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.64% above avgNationally 2.88%
Details

Compound Frequency: Monthly; Rates as of 09/29/2026; A penalty may be imposed for an early withdrawal

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
First Federal S&L of Van Wert
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
679 Fox Rd, Van Wert, OH 45891
Certificate of Deposit - 18 Months NEW Special
$0
4.50% ▲ 1.64% above Ohio avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.64% above avgNationally 2.88%
Details

Special offer; Compound Frequency: Monthly; $2,500 minimum balance required to open the account; A penalty may be imposed for an early withdrawal

Rate History
No change since Oct 20, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 20, 2026: 4.50% APYOct 20, 2026Oct 25, 2026
First Federal S&L of Van Wert
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
679 Fox Rd, Van Wert, OH 45891
Certificate of Deposit - 18 Months NEW Special
$0
4.48% ▲ 1.62% above Ohio avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.62% above avgNationally 2.88%
Details

Special offer; Compound Frequency: Quarterly; $500 minimum balance for quarterly compound; A penalty may be imposed for an early withdrawal

Rate History
No change since Oct 20, 2026 · 4.48% APY · checked 2 times
3.98%4.48%4.98%Oct 20, 2026: 4.48% APYOct 20, 2026Oct 25, 2026
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
18 Month Share and IRA Jumbo Certificates
$0
4.38% ▲ 1.52% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.52% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 19, 2026: 4.38% APYOct 19, 2026Oct 25, 2026
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
18 Month Certificate
$0
4.35% ▲ 1.49% above Ohio avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.49% above avgNationally 2.88%
Details

Certificates Account; Annual Percentage Rate 4.26%; Annual Percentage Yield 4.35%

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 9, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
18-Month Certificate
$1,000
4.35% ▲ 1.49% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.49% above avgNationally 2.88%
Details

Advertised as high as 4.35% APY

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 9, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
18 Month IRA Certificates
$500
4.33% ▲ 1.47% above Ohio avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.66% → 4.33% ▲ 0.67 pts · high 4.33% / low 3.66%
2.99%4.00%5.01%Sep 18, 2026: 3.66% APYOct 19, 2026: 4.33% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.33%▲ from 3.66%
  • Sep 18, 20263.66%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
18 Month Share Certificates
$500
4.33% ▲ 1.47% above Ohio avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.47% above avgNationally 2.88%
Details

Minimum deposit of $500 required.

Rate History
1 change since Sep 22, 2026 · 3.66% → 4.33% ▲ 0.67 pts · high 4.33% / low 3.66%
2.99%4.00%5.01%Sep 22, 2026: 3.66% APYOct 9, 2026: 4.33% APYSep 22, 2026Oct 25, 2026
  • Oct 9, 20264.33%▲ from 3.66%
  • Sep 22, 20263.66%first recorded
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
900 E WAYNE ST, CELINA, OH 45822
Share Certificate 18 Month
$500
4.32% ▲ 1.46% above Ohio avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.46% above avgNationally 2.88%
Details

Early withdrawal penalty: if certificate is less than 12 months, 90 day dividend penalty; if greater than 12 months, 180 day dividend penalty. Rates as of 10/1/2026.

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
3.28%4.06%4.84%Sep 12, 2026: 3.80% APYSep 25, 2026: 4.32% APYSep 12, 2026Oct 25, 2026
  • Sep 25, 20264.32%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3333 Burnet Ave, Cincinnati, OH 45229 3026
18 Month Certificate of Deposit
$500
4.31% ▲ 1.45% above Ohio avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.45% above avgNationally 2.88%
Details

CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Oct 15, 2026: 4.31% APYOct 15, 2026Oct 25, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate - 18-Month
$500
4.30% ▲ 1.44% above Ohio avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.44% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 20, 2026: 4.05% APYOct 15, 2026: 4.30% APYSep 12, 2026Oct 25, 2026
  • Oct 15, 20264.30%▲ from 4.05%
  • Sep 20, 20264.05%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
Regular Certificate - 18-Month
$500
4.30% ▲ 1.44% above Ohio avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.44% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 18, 2026: 4.05% APYOct 4, 2026: 4.30% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.30%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Certificates + 18 month
$500
4.30% ▲ 1.44% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
3.00%3.97%4.95%Sep 14, 2026: 3.65% APYSep 25, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20264.30%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
18 Month Certificate
$500
4.30% ▲ 1.44% above Ohio avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.30%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4988 Wagner Ford Rd, Dayton, OH 45414 4420
IRA 18 Month Certificate
$0
4.30% ▲ 1.44% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 22, 2026: 4.30% APYOct 22, 2026Oct 25, 2026
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4988 Wagner Ford Rd, Dayton, OH 45414 4420
Share Certificates - 18 Month Certificate
$0
4.30% ▲ 1.44% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.44% above avgNationally 2.88%
Details

Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
3.55%4.18%4.80%Sep 14, 2026: 4.05% APYOct 22, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.30%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
18 Month Share and IRA Certificates
$0
4.28% ▲ 1.42% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.42% above avgNationally 2.88%
Details

Rates effective August 5, 2026

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85%
3.35%4.07%4.78%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.28% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.28%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
136 McMahan Blvd, Marion, OH 43302
18-Month Promotional Share Certificate
$500
4.27% ▲ 1.41% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.41% above avgNationally 2.88%
Details

Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
136 McMahan Blvd, Marion, OH 43302
18-Month Share Certificate
$0
4.27% ▲ 1.41% above Ohio avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.41% above avgNationally 2.88%
Details

Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
420 3rd Ave, Gallipolis, OH 45631
12 thru 18 Month Certificate of Deposit
$5,000
4.25% ▲ 1.39% above Ohio avg
View
▼
Rate4.16%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Limited Time CD Special; You Choose The Term; Age 18 and under may open with $500; Public funds over $250,000.00 excluded; Effective Date: 10/19/2026; Automatically renewable; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 9 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 25, 2026
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
420 3rd Ave, Gallipolis, OH 45631
18 MONTH IRA / ROTH TDOA
$0
4.25% ▲ 1.39% above Ohio avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Individual Retirement Accounts; Effective Date: 10/19/2026; Interest rate and APY assume interest remains on deposit until maturity

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit - 18 months
$500
4.25% ▲ 1.39% above Ohio avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYOct 23, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
10485 Reading Rd, Cincinnati, OH 45241 2523
18-Month Certificate
$0
4.25% ▲ 1.39% above Ohio avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
10485 Reading Rd, Cincinnati, OH 45241 2523
IRA 18-Month Certificate
$0
4.25% ▲ 1.39% above Ohio avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
115 Hospital Dr, Van Wert, OH 45891
18-Month CD
$500
4.25% ▲ 1.39% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.39% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
550 Main St, Cincinnati, OH 45202
18 Month Legacy Certificate
$50
4.20% ▲ 1.34% above Ohio avg
View
▼
Rate4.12%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.34% above avgNationally 2.88%
Details

One per minor child; Cinfed matches a one-time $50 opening deposit; additional deposits allowed until maturity; monthly transfer required; only on General Membership, Custodian, and UGMA/UTMA accounts

Rate History
No change since Oct 15, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 15, 2026: 4.20% APYOct 15, 2026Oct 25, 2026
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
Share Certificate - 18-Month
$0
4.19% ▲ 1.33% above Ohio avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.33% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.19% APY · checked 2 times
3.69%4.19%4.69%Oct 14, 2026: 4.19% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1240 E 9th St, Cleveland, OH 44199
18 Month Short-Term Certificate
$0
4.15% ▲ 1.29% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 1.29% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3650 Olentangy River Rd Ste 100, Columbus, OH 43214
18 Month Promo CD Special
$0
4.15% ▲ 1.29% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.29% above avgNationally 2.88%
Details

Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1240 E 9th St, Cleveland, OH 44199
18 Month Short-Term Certificate
$0
4.10% ▲ 1.24% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1311 E Main St, Ravenna, OH 44266
Certificates of Deposit (CDs) - 18 Month Special
$1,000
4.10% ▲ 1.24% above Ohio avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Compounding: Daily

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1311 E Main St, Ravenna, OH 44266
Individual Retirement Account - 18 Month Special
$0
4.10% ▲ 1.24% above Ohio avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Compounding Method: Daily; Special rate

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1311 E Main St, Ravenna, OH 44266
IRA 18 Month Special
$0
4.10% ▲ 1.24% above Ohio avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Compounding Method: Daily

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1380 Market Ave N, Canton, OH 44714 2606
18 Month Fixed IRA
$0
4.10% ▲ 1.24% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1380 Market Ave N, Canton, OH 44714 2606
Certificates - 18 Month Term Share Certificate
$100,000
4.10% ▲ 1.24% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details

More Than $10,000; Balance: $100,000

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
18 Month Business Certificate Standard - ConnectMORE
$500
4.10% ▲ 1.24% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6108 State Rd, Parma, OH 44134 3702
Certificates of Deposit (CD) - 18 months
$500
4.08% ▲ 1.22% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.22% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 25, 2026
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
501 Hopewell Dr, Heath, OH 43056
18 Month Certificate
$500
4.07% ▲ 1.21% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 23, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5121 Whiteford Rd, Sylvania, OH 43560
18 Month Certificate
$500
4.07% ▲ 1.21% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.21% above avgNationally 2.88%
Details

Effective 10/01/2026

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
18 Month Standard Certificate - ConnectMORE
$500
4.05% ▲ 1.19% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.19% above avgNationally 2.88%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
18 Month Certificate/IRA
$500
4.05% ▲ 1.19% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.19% above avgNationally 2.88%
Details

IRA available; Rates current as of 10/05/2026

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
3.20%3.88%4.55%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.05%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
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
4.02% ▲ 1.16% above Ohio avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.16% above avgNationally 2.88%
Details

$10,000.00 balance to obtain APY

Rate History
1 change since Sep 11, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 11, 2026: 3.82% APYSep 19, 2026: 4.02% APYSep 11, 2026Oct 25, 2026
  • Sep 19, 20264.02%▲ from 3.82%
  • Sep 11, 20263.82%first recorded
The Antwerp Exchange Bank Company
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
305 S Main St, Antwerp, OH 45813
Certificates of Deposit - 18 Month
$500
4.01% ▲ 1.15% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.15% above avgNationally 2.88%
Details

Balance: $5,000 and Above; $5,000 minimum balance to maintain disclosed APY; APY~ = Annual Percentage Yield

Rate History
No change since Oct 14, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 14, 2026: 4.01% APYOct 14, 2026Oct 25, 2026
Consumers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
298 Union St, Mount Pleasant, OH 43939
Certificates of Deposit (CDs) - 18 Month
$1,000
4.00% ▲ 1.14% above Ohio avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Bank of Magnolia
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
122 N Main St, Magnolia, OH 44643
18 Month Certificate
$1,000
4.00% ▲ 1.14% above Ohio avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Compound Method: Monthly

Rate History
1 change since Sep 19, 2026 · 0.25% → 4.00% ▲ 3.75 pts · high 4.00% / low 0.25%
0.00%3.88%7.75%Sep 19, 2026: 0.25% APYOct 3, 2026: 4.00% APYSep 19, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 0.25%
  • Sep 19, 20260.25%first recorded
Bank of Magnolia
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
122 N Main St, Magnolia, OH 44643
18 Months IRA
$1,000
4.00% ▲ 1.14% above Ohio avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Annual Percentage Yield (Quarterly IRAs)

Rate History
No change since Oct 21, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 25, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1380 Market Ave N, Canton, OH 44714 2606
18 Month Fixed IRA
$10,000
4.00% ▲ 1.14% above Ohio avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details

IRA certificate; Balance of $10,000

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1380 Market Ave N, Canton, OH 44714 2606
18 Month Term Share Certificate
$0
4.00% ▲ 1.14% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Balance of $10,000

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026

Ohio 24 Month CD Rates

MonitorBankRates Ohio Average · 24 Month CD2.93% APY▼ 0.02% from last weekNational 2.90%
View 24-month CD rate trend

The average 24-month CD rate in Ohio is 2.93% APY, compared with 2.90% nationally, as of October 25, 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
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
225 Reading Rd, Mason, OH 45040
24 Month IRA (Variable)
$100
4.91% ▲ 1.98% above Ohio avg
View
▼
Rate4.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.93%▲ 1.98% above avgNationally 2.90%
Details

IRA certificate; rate may change monthly (1st of each month) and follows the most recent two-year Treasury bill auction

Rate History
1 change since Sep 11, 2026 · 4.29% → 4.91% ▲ 0.62 pts · high 4.91% / low 4.29%
3.67%4.60%5.53%Sep 11, 2026: 4.29% APYOct 3, 2026: 4.91% APYSep 11, 2026Oct 25, 2026
  • Oct 3, 20264.91%▲ from 4.29%
  • Sep 11, 20264.29%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1810 Buchholzer Blvd, Akron, OH 44310
24-Month IRA
$0
4.81% ▲ 1.88% above Ohio avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.88% above avgNationally 2.90%
Details

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 25, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
24 Month Jumbo Certificate
$0
4.70% ▲ 1.77% above Ohio avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.77% above avgNationally 2.90%
Details

Balance: $250,000 or more; includes additional 0.25% APY jumbo bonus

Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.70% ▲ 0.90 pts · high 4.70% / low 3.80%
2.90%4.25%5.60%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.55% APYOct 19, 2026: 4.70% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.70%▲ from 4.55%
  • Oct 9, 20264.55%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 24 Month
$0
4.60% ▲ 1.67% above Ohio avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.67% above avgNationally 2.90%
Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.60% ▲ 0.44 pts · high 4.60% / low 4.16%
3.66%4.38%5.10%Sep 14, 2026: 4.16% APYOct 12, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.60%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
24 Month IRA Certificates
$500
4.59% ▲ 1.66% above Ohio avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.66% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.71% → 4.59% ▲ 0.88 pts · high 4.59% / low 3.71%
2.83%4.15%5.48%Sep 18, 2026: 3.71% APYOct 19, 2026: 4.59% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.59%▲ from 3.71%
  • Sep 18, 20263.71%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
24 Month Share Certificates
$500
4.59% ▲ 1.66% above Ohio avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.66% above avgNationally 2.90%
Details

Minimum deposit of $500 required.

Rate History
1 change since Sep 22, 2026 · 3.71% → 4.59% ▲ 0.88 pts · high 4.59% / low 3.71%
2.83%4.15%5.48%Sep 22, 2026: 3.71% APYOct 9, 2026: 4.59% APYSep 22, 2026Oct 25, 2026
  • Oct 9, 20264.59%▲ from 3.71%
  • Sep 22, 20263.71%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1810 Buchholzer Blvd, Akron, OH 44310
Share Certificate - 24 Months
$500
4.55% ▲ 1.62% above Ohio avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.62% above avgNationally 2.90%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 15, 2026: 4.55% APYOct 15, 2026Oct 25, 2026
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
24 Month Share and IRA Jumbo Certificates
$0
4.54% ▲ 1.61% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.61% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.54% APY
4.04%4.54%5.04%Oct 19, 2026: 4.54% APYOct 19, 2026Oct 25, 2026
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
24 Month Certificate
$500
4.45% ▲ 1.52% above Ohio avg
View
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.52% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55%
2.65%4.00%5.35%Sep 14, 2026: 3.55% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.45%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
24 Month Certificate
$0
4.45% ▲ 1.52% above Ohio avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.52% above avgNationally 2.90%
Details

Certificates Account; Annual Percentage Rate 4.35%; Annual Percentage Yield 4.45%

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
2.85%4.05%5.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.45%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
24 Month Share and IRA Certificates
$0
4.44% ▲ 1.51% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.51% above avgNationally 2.90%
Details

Rates effective August 5, 2026

Rate History
1 change since Sep 14, 2026 · 3.94% → 4.44% ▲ 0.50 pts · high 4.44% / low 3.94%
3.44%4.19%4.94%Sep 14, 2026: 3.94% APYSep 22, 2026: 4.44% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.44%▲ from 3.94%
  • Sep 14, 20263.94%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit - 24 months
$500
4.40% ▲ 1.47% above Ohio avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.40% ▲ 0.55 pts · high 4.40% / low 3.85%
3.30%4.13%4.95%Sep 14, 2026: 3.85% APYOct 23, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.40%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3333 Burnet Ave, Cincinnati, OH 45229 3026
2 Year Certificate of Deposit
$500
4.36% ▲ 1.43% above Ohio avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.43% above avgNationally 2.90%
Details

CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.36% APY · checked 5 times
3.86%4.36%4.86%Sep 18, 2026: 4.36% APYSep 18, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
24 Month Jumbo Certificates +
$50,000
4.35% ▲ 1.42% above Ohio avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.42% above avgNationally 2.90%
Details

Rates effective as of September 22, 2026

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 18, 2026: 4.05% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.35%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate - 24-Month
$0
4.32% ▲ 1.39% above Ohio avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.39% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
3.28%4.06%4.84%Sep 14, 2026: 3.80% APYOct 14, 2026: 4.32% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.32%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
Share Certificate - 24-Month
$0
4.32% ▲ 1.39% above Ohio avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.39% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Oct 14, 2026: 4.32% APYOct 14, 2026Oct 25, 2026
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5255 Regency Dr, Parma, OH 44129 5453
Certificate Account - 2 Year
$0
4.32% ▲ 1.39% above Ohio avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.39% above avgNationally 2.90%
Details

Certificate rates remain fixed for the term; APY compounded quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.32% APY
3.82%4.32%4.82%Oct 19, 2026: 4.32% APYOct 19, 2026Oct 25, 2026
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5255 Regency Dr, Parma, OH 44129 5453
IRA Certificate - 2 Year
$0
4.32% ▲ 1.39% above Ohio avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.39% above avgNationally 2.90%
Details

IRA certificate; certificate rates remain fixed for the term; APY compounded quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.32% APY
3.82%4.32%4.82%Oct 19, 2026: 4.32% APYOct 19, 2026Oct 25, 2026
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6108 State Rd, Parma, OH 44134 3702
Certificates of Deposit (CD) - 24 months
$500
4.31% ▲ 1.38% above Ohio avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.38% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.31% APY
3.81%4.31%4.81%Oct 19, 2026: 4.31% APYOct 19, 2026Oct 25, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate - 24-Month
$500
4.30% ▲ 1.37% above Ohio avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.37% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 20, 2026: 4.05% APYOct 15, 2026: 4.30% APYSep 12, 2026Oct 25, 2026
  • Oct 15, 20264.30%▲ from 4.05%
  • Sep 20, 20264.05%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
Regular Certificate - 24-Month
$500
4.30% ▲ 1.37% above Ohio avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.37% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 18, 2026: 4.05% APYOct 4, 2026: 4.30% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.30%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Certificates + 24 month
$500
4.30% ▲ 1.37% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.37% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20264.30%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3650 Olentangy River Rd Ste 100, Columbus, OH 43214
24 Month CD/IRA Special
$0
4.25% ▲ 1.32% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

24-month CD/IRA Promotional Rate; Rates may vary by zip code; APY effective 9/24/2026 for a limited time; IRAs are for individuals only; substantial penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3650 Olentangy River Rd Ste 100, Columbus, OH 43214
24 Month Promo CD Special
$0
4.25% ▲ 1.32% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

APY effective 9/24/2026 for a limited time; Rates may vary by zip code; Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
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% ▲ 1.32% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
10485 Reading Rd, Cincinnati, OH 45241 2523
2-Year Certificate
$0
4.25% ▲ 1.32% above Ohio avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
10485 Reading Rd, Cincinnati, OH 45241 2523
2-Year Jumbo Certificate
$0
4.25% ▲ 1.32% above Ohio avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
10485 Reading Rd, Cincinnati, OH 45241 2523
IRA 2-Year Certificate
$0
4.25% ▲ 1.32% above Ohio avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
10485 Reading Rd, Cincinnati, OH 45241 2523
IRA Jumbo 2-Year Certificate
$0
4.25% ▲ 1.32% above Ohio avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

IRA Jumbo Certificates; APYs as of last dividend declaration date 10.6.2026

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
115 Hospital Dr, Van Wert, OH 45891
24-Month CD
$500
4.25% ▲ 1.32% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate - 24-Month Add-On
$500
4.20% ▲ 1.27% above Ohio avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.27% above avgNationally 2.90%
Details

Add-On

Rate History
2 changes since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 12, 2026: 3.80% APYSep 20, 2026: 3.95% APYOct 15, 2026: 4.20% APYSep 12, 2026Oct 25, 2026
  • Oct 15, 20264.20%▲ from 3.95%
  • Sep 20, 20263.95%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
Regular Certificate - 24-Month Add-On
$500
4.20% ▲ 1.27% above Ohio avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.27% above avgNationally 2.90%
Details

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 12, 2026: 3.80% APYOct 8, 2026: 4.20% APYSep 12, 2026Oct 25, 2026
  • Oct 8, 20264.20%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
24 Month Variable Rate Certificate
$0
4.17% ▲ 1.24% above Ohio avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.24% above avgNationally 2.90%
Details

Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 18, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
24 Month Variable Rate HSA Certificate
$0
4.17% ▲ 1.24% above Ohio avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.24% above avgNationally 2.90%
Details

Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 22, 2026Oct 25, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
24 Month Variable Rate IRA Certificate (Roth, Traditional, Education)
$0
4.17% ▲ 1.24% above Ohio avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.24% above avgNationally 2.90%
Details

Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY

Rate History
No change since Oct 19, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 19, 2026: 4.17% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month Business Certificate Standard - ConnectMORE
$500
4.15% ▲ 1.22% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.22% above avgNationally 2.90%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5121 Whiteford Rd, Sylvania, OH 43560
24 Month Certificate
$500
4.13% ▲ 1.20% above Ohio avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.20% above avgNationally 2.90%
Details

Effective 10/01/2026

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5121 Whiteford Rd, Sylvania, OH 43560
24 Month Youth Certificate
$100
4.13% ▲ 1.20% above Ohio avg
View
▼
Rate4.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.20% above avgNationally 2.90%
Details

$100 initial deposit - Must be under 18 years of age; Effective 10/01/2026

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
900 E WAYNE ST, CELINA, OH 45822
Share Certificate 24 Month
$500
4.11% ▲ 1.18% above Ohio avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.18% above avgNationally 2.90%
Details

Early withdrawal penalty: if certificate is greater than 12 months, 180 day dividend penalty. Rates as of 10/1/2026.

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.11% ▲ 0.31 pts · high 4.11% / low 3.80%
3.30%3.96%4.61%Sep 12, 2026: 3.80% APYSep 25, 2026: 4.11% APYSep 12, 2026Oct 25, 2026
  • Sep 25, 20264.11%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
100 N Main St, Bellefontaine, OH 43311
24 Month CD
$500
4.10% ▲ 1.17% above Ohio avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.93%▲ 1.17% above avgNationally 2.90%
Details

Rate History
1 change since Sep 7, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 7, 2026: 3.30% APYSep 24, 2026: 4.10% APYSep 7, 2026Oct 25, 2026
  • Sep 24, 20264.10%▲ from 3.30%
  • Sep 7, 20263.30%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month IRA Certificate - ConnectMORE
$500
4.10% ▲ 1.17% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.17% above avgNationally 2.90%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month Standard Certificate - ConnectMORE
$500
4.10% ▲ 1.17% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.17% above avgNationally 2.90%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
24 Month Certificate/IRA
$500
4.10% ▲ 1.17% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.17% above avgNationally 2.90%
Details

IRA available; Rates current as of 10/05/2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
401 Chillicothe St, Portsmouth, OH 45662
24 Month Share Certificate
$500
4.08% ▲ 1.15% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.15% above avgNationally 2.90%
Details

Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over

Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
3.04%3.82%4.60%Sep 14, 2026: 3.56% APYSep 17, 2026: 3.82% APYOct 5, 2026: 4.08% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.08%▲ from 3.82%
  • Sep 17, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
5269 E 104th St, Garfield Hts, OH 44125 2407
24 Month Share Certificates
$0
4.06% ▲ 1.13% above Ohio avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.13% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 25, 2026: 3.80% APYOct 4, 2026: 4.06% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.06%▲ from 3.80%
  • Sep 25, 20263.80%first recorded
First Federal S&L of Lakewood
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
5659 Broadview Rd, Parma, OH 44134
24-Month CD Special
$0
4.05% ▲ 1.12% above Ohio avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 1.12% above avgNationally 2.90%
Details

Promotional rate available for new money only; Visit Us

Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 25, 2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
550 Main St, Cincinnati, OH 45202
Standard Certificate - 24 Months
$500
4.05% ▲ 1.12% above Ohio avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.12% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month Business Certificate Standard
$500
4.05% ▲ 1.12% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.12% above avgNationally 2.90%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 9, 2026: 4.05% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month Second Chance Certificate - ConnectMORE
$500
4.05% ▲ 1.12% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.12% above avgNationally 2.90%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program; bump-up option available (contact Bridge before maturity)

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1205 E Kibby St, Lima, OH 45804
Share Certificate - 24 Months
$1,000
4.05% ▲ 1.12% above Ohio avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.12% above avgNationally 2.90%
Details

Rates effective as of 10/1/2026; APY = Annual Percentage Yield; Dividends compounded quarterly; 180-day early withdrawal penalty

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026

Ohio 36 Month CD Rates

MonitorBankRates Ohio Average · 36 Month CD2.70% APY▼ 0.04% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Ohio is 2.70% APY, compared with 2.81% nationally, as of October 25, 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
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
36 Month IRA Certificates
$500
4.86% ▲ 2.16% above Ohio avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 2.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.86% ▲ 1.04 pts · high 4.86% / low 3.82%
2.77%4.34%5.90%Sep 18, 2026: 3.82% APYOct 19, 2026: 4.86% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.86%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
36 Month Share Certificates
$500
4.86% ▲ 2.16% above Ohio avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 2.16% above avgNationally 2.81%
Details

Minimum deposit of $500 required.

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.86% ▲ 1.04 pts · high 4.86% / low 3.82%
2.77%4.34%5.90%Sep 22, 2026: 3.82% APYOct 9, 2026: 4.86% APYSep 22, 2026Oct 25, 2026
  • Oct 9, 20264.86%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
36 Month Jumbo Certificate
$0
4.85% ▲ 2.15% above Ohio avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 2.15% above avgNationally 2.81%
Details

Balance: $250,000 or more; includes additional 0.25% APY jumbo bonus

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.85% ▲ 0.60 pts · high 4.85% / low 4.25%
3.65%4.55%5.45%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.85% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.85%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1810 Buchholzer Blvd, Akron, OH 44310
Share Certificate - 36 Months
$500
4.71% ▲ 2.01% above Ohio avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 2.01% above avgNationally 2.81%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
4.21%4.71%5.21%Oct 15, 2026: 4.71% APYOct 15, 2026Oct 25, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 36 Month
$0
4.70% ▲ 2.00% above Ohio avg
View
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 2.00% above avgNationally 2.81%
Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.26% → 4.70% ▲ 0.44 pts · high 4.70% / low 4.26%
3.76%4.48%5.20%Sep 14, 2026: 4.26% APYOct 12, 2026: 4.70% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.70%▲ from 4.26%
  • Sep 14, 20264.26%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
36 Month Certificate
$500
4.60% ▲ 1.90% above Ohio avg
View
▼
Rate4.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.90% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.60%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
36 Month Bonus CD
$0
4.50% ▲ 1.80% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.80% above avgNationally 2.81%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
36 Month CD
$5,000
4.50% ▲ 1.80% above Ohio avg
View
▼
Rate4.40%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.80% above avgNationally 2.81%
Details

Special; Compounding Frequency: Daily

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 8, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 8, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
36 Month Certificate
$0
4.45% ▲ 1.75% above Ohio avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.75% above avgNationally 2.81%
Details

Certificates Account; Annual Percentage Rate 4.35%; Annual Percentage Yield 4.45%

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
2.85%4.05%5.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.45%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
36-Month Certificate
$1,000
4.45% ▲ 1.75% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.75% above avgNationally 2.81%
Details

Advertised as high as 4.45% APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
2.85%4.05%5.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.45%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate - 36-Month
$0
4.45% ▲ 1.75% above Ohio avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.75% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.45% ▲ 0.65 pts · high 4.45% / low 3.80%
3.15%4.13%5.10%Sep 14, 2026: 3.80% APYOct 14, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.45%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
Share Certificate - 36-Month
$0
4.45% ▲ 1.75% above Ohio avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.75% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 14, 2026: 4.45% APYOct 14, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month Business Certificate Standard - ConnectMORE
$500
4.20% ▲ 1.50% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.50% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
36 Month Certificate/IRA
$500
4.20% ▲ 1.50% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.50% above avgNationally 2.81%
Details

IRA available; Rates current as of 10/05/2026

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5121 Whiteford Rd, Sylvania, OH 43560
36 Month Certificate
$500
4.18% ▲ 1.48% above Ohio avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.48% above avgNationally 2.81%
Details

Effective 10/01/2026

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1240 E 9th St, Cleveland, OH 44199
3 Year Long-Term Certificate
$0
4.15% ▲ 1.45% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificate of Deposit - 36 Month
$1,000
4.15% ▲ 1.45% above Ohio avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit - 36 Month
$1,000
4.15% ▲ 1.45% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts - 36-Month
$1,000
4.15% ▲ 1.45% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA Certificate - 36-Month
$1,000
4.15% ▲ 1.45% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
First Federal S&L of Lakewood
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
5659 Broadview Rd, Parma, OH 44134
36-Month CD Special
$0
4.15% ▲ 1.45% above Ohio avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

Promotional rate available for new money only; Visit Us

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month IRA Certificate - ConnectMORE
$500
4.15% ▲ 1.45% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month Standard Certificate - ConnectMORE
$500
4.15% ▲ 1.45% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3333 Burnet Ave, Cincinnati, OH 45229 3026
3 Year Certificate of Deposit
$500
4.11% ▲ 1.41% above Ohio avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.41% above avgNationally 2.81%
Details

CD and IRA rates effective 01/25/2024; interest compounded daily; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1240 E 9th St, Cleveland, OH 44199
3 Year Long-Term Certificate
$0
4.10% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
24 E Main St, Tipp City, OH 45371
36 Month CD Special
$1,000
4.10% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Rates effective as of 09/14/2026; APY* assumes reinvestment; substantial penalty for early withdrawal

Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 19, 2026: 4.10% APYSep 19, 2026Oct 25, 2026
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
24 E Main St, Tipp City, OH 45371
Certificate of Deposit - 36 Month Special
$1,000
4.10% ▲ 1.40% above Ohio avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Renews at the 3 Year CD term and rate.

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
24 E Main St, Tipp City, OH 45371
IRA Certificate of Deposit - 36 Month Special
$1,000
4.10% ▲ 1.40% above Ohio avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Renews at the 3 Year IRA CD term and rate; Substantial penalty for early withdrawal on all certificate of deposits

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate - 36-Month
$1,000
4.10% ▲ 1.40% above Ohio avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 12, 2026: 3.95% APYSep 20, 2026: 4.10% APYSep 12, 2026Oct 25, 2026
  • Sep 20, 20264.10%▲ from 3.95%
  • Sep 12, 20263.95%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
Regular Certificate - 36-Month
$1,000
4.10% ▲ 1.40% above Ohio avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 12, 2026: 3.95% APYSep 18, 2026: 4.10% APYSep 12, 2026Oct 25, 2026
  • Sep 18, 20264.10%▲ from 3.95%
  • Sep 12, 20263.95%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
550 Main St, Cincinnati, OH 45202
Standard Certificate - 36 Months
$500
4.10% ▲ 1.40% above Ohio avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
36 Month Certificate
$500
4.10% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
36 Month Term IRA
$250
4.10% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

KEMBA Advantage APY

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month Business Certificate Standard
$500
4.10% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month Second Chance Certificate - ConnectMORE
$500
4.10% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program; bump-up option available (contact Bridge before maturity)

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1205 E Kibby St, Lima, OH 45804
Share Certificate - 36 Months
$1,000
4.10% ▲ 1.40% above Ohio avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

Rates effective as of 10/1/2026; APY = Annual Percentage Yield; Dividends compounded quarterly; 180-day early withdrawal penalty

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 36 months
$0
4.09% ▲ 1.39% above Ohio avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.39% above avgNationally 2.81%
Details

Balance: Over $75,000

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.09% ▲ 0.27 pts · high 4.09% / low 3.82%
3.32%3.96%4.59%Sep 25, 2026: 3.82% APYOct 23, 2026: 4.09% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.09%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
401 Chillicothe St, Portsmouth, OH 45662
36 Month Share Certificate
$500
4.08% ▲ 1.38% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.38% above avgNationally 2.81%
Details

Add .10% to the rate for $50,000 to $74,999.99; Add .20% to the rate for $75,000 and over

Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
3.04%3.82%4.60%Sep 14, 2026: 3.56% APYSep 17, 2026: 3.82% APYOct 5, 2026: 4.08% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.08%▲ from 3.82%
  • Sep 17, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
36 Month Jumbo Certificates +
$50,000
4.05% ▲ 1.35% above Ohio avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Rates effective as of September 22, 2026

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month IRA Certificate
$500
4.05% ▲ 1.35% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 9, 2026: 4.05% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month Standard Certificate
$500
4.05% ▲ 1.35% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 9, 2026: 4.05% APYOct 9, 2026Oct 25, 2026
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 36 Months
$500
4.05% ▲ 1.35% above Ohio avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Compounding Frequency: Monthly

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
355 W Monument Ave, Dayton, OH 45402
Share Certificates of Deposit - 36 Months
$1,000
4.05% ▲ 1.35% above Ohio avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
36 Month Jumbo Certificate
$100,000
4.05% ▲ 1.35% above Ohio avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Dividend Rates: 3.98%; APY*: 4.05%

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificate - 36 months
$1,000
4.05% ▲ 1.35% above Ohio avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Rate History
No change since Oct 1, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 1, 2026: 4.05% APYOct 1, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
Jumbo Certificate - 36 months
$100,000
4.05% ▲ 1.35% above Ohio avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Rate History
No change since Oct 1, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 1, 2026: 4.05% APYOct 1, 2026Oct 25, 2026
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% ▲ 1.30% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details

Year 3 APY; Minimum to Obtain: $500

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
36 Month Bonus CD
$0
4.00% ▲ 1.30% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
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% ▲ 1.30% above Ohio avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details

Special; offer requires new money - funds not on deposit at Civista; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 9, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
Certificates + 36 month
$500
4.00% ▲ 1.30% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026

Ohio 48 Month CD Rates

MonitorBankRates Ohio Average · 48 Month CD2.67% APY▼ 0.02% from last weekNational 2.81%
View 48-month CD rate trend

The average 48-month CD rate in Ohio is 2.67% APY, compared with 2.81% nationally, as of October 25, 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
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
48 Month Share Certificates
$500
4.86% ▲ 2.19% above Ohio avg
View
▼
Rate4.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 2.19% above avgNationally 2.81%
Details

Minimum deposit of $500 required.

Rate History
1 change since Sep 22, 2026 · 3.97% → 4.86% ▲ 0.89 pts · high 4.86% / low 3.97%
3.09%4.41%5.74%Sep 22, 2026: 3.97% APYOct 9, 2026: 4.86% APYSep 22, 2026Oct 25, 2026
  • Oct 9, 20264.86%▲ from 3.97%
  • Sep 22, 20263.97%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 48 Month
$0
4.80% ▲ 2.13% above Ohio avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 2.13% above avgNationally 2.81%
Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.31% → 4.80% ▲ 0.49 pts · high 4.80% / low 4.31%
3.81%4.56%5.30%Sep 14, 2026: 4.31% APYOct 12, 2026: 4.80% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.80%▲ from 4.31%
  • Sep 14, 20264.31%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
48 Month Share and IRA Jumbo Certificates
$0
4.63% ▲ 1.96% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.96% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.63% APY
4.13%4.63%5.13%Oct 19, 2026: 4.63% APYOct 19, 2026Oct 25, 2026
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate - 48-Month
$0
4.58% ▲ 1.91% above Ohio avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.91% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.58% ▲ 0.78 pts · high 4.58% / low 3.80%
3.02%4.19%5.36%Sep 14, 2026: 3.80% APYOct 14, 2026: 4.58% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.58%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
Share Certificate - 48-Month
$0
4.58% ▲ 1.91% above Ohio avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.91% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.58% APY · checked 2 times
4.08%4.58%5.08%Oct 14, 2026: 4.58% APYOct 14, 2026Oct 25, 2026
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit - 48 months
$500
4.55% ▲ 1.88% above Ohio avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%
2.75%4.10%5.45%Sep 14, 2026: 3.65% APYOct 23, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.55%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
48 Month Share and IRA Certificates
$0
4.53% ▲ 1.86% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.86% above avgNationally 2.81%
Details

Rates effective August 5, 2026

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.53% ▲ 0.51 pts · high 4.53% / low 4.02%
3.51%4.28%5.04%Sep 14, 2026: 4.02% APYSep 22, 2026: 4.53% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.53%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
48 Month Certificate
$0
4.45% ▲ 1.78% above Ohio avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.78% above avgNationally 2.81%
Details

Certificates Account; Annual Percentage Rate 4.35%; Annual Percentage Yield 4.45%

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
2.85%4.05%5.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.45%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Business Certificate Standard - ConnectMORE
$500
4.25% ▲ 1.58% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.58% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
48 Month Certificate/IRA
$500
4.25% ▲ 1.58% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.58% above avgNationally 2.81%
Details

IRA available; Rates current as of 10/05/2026

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Standard Certificate - ConnectMORE
$500
4.20% ▲ 1.53% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.53% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificate of Deposit - 48 Month
$1,000
4.15% ▲ 1.48% above Ohio avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit - 48 Month
$1,000
4.15% ▲ 1.48% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts - 48-Month
$1,000
4.15% ▲ 1.48% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA Certificate - 48-Month
$1,000
4.15% ▲ 1.48% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate - 48-Month
$1,000
4.15% ▲ 1.48% above Ohio avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 12, 2026: 4.00% APYSep 20, 2026: 4.15% APYSep 12, 2026Oct 25, 2026
  • Sep 20, 20264.15%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
Regular Certificate - 48-Month
$1,000
4.15% ▲ 1.48% above Ohio avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 12, 2026: 4.00% APYSep 18, 2026: 4.15% APYSep 12, 2026Oct 25, 2026
  • Sep 18, 20264.15%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
550 Main St, Cincinnati, OH 45202
Standard Certificate - 48 Months
$500
4.15% ▲ 1.48% above Ohio avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Business Certificate Standard
$500
4.15% ▲ 1.48% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Second Chance Certificate - ConnectMORE
$500
4.15% ▲ 1.48% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program; bump-up option available (contact Bridge before maturity)

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1205 E Kibby St, Lima, OH 45804
Share Certificate - 48 Months
$1,000
4.15% ▲ 1.48% above Ohio avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Rates effective as of 10/1/2026; APY = Annual Percentage Yield; Dividends compounded quarterly; 180-day early withdrawal penalty

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 48 months
$0
4.10% ▲ 1.43% above Ohio avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

Balance: Over $75,000

Rate History
1 change since Sep 25, 2026 · 3.76% → 4.10% ▲ 0.34 pts · high 4.10% / low 3.76%
3.26%3.93%4.60%Sep 25, 2026: 3.76% APYOct 23, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.76%
  • Sep 25, 20263.76%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
48 Month Certificate
$500
4.10% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
48 Month Term IRA
$250
4.10% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

KEMBA Advantage APY

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Standard Certificate
$500
4.10% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 25, 2026
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 48 Months
$500
4.10% ▲ 1.43% above Ohio avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

Compounding Frequency: Monthly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
355 W Monument Ave, Dayton, OH 45402
Share Certificates of Deposit - 48 Months
$1,000
4.10% ▲ 1.43% above Ohio avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
48 Month Jumbo Certificate
$100,000
4.10% ▲ 1.43% above Ohio avg
View
▼
Rate4.02%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

Dividend Rates: 4.02%; APY*: 4.10%

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificate - 48 months
$1,000
4.10% ▲ 1.43% above Ohio avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 1, 2026: 4.10% APYOct 1, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
Jumbo Certificate - 48 months
$100,000
4.10% ▲ 1.43% above Ohio avg
View
▼
Rate4.02%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 1, 2026: 4.10% APYOct 1, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Second Chance Certificate
$500
4.05% ▲ 1.38% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.81%
Details

Everyday APY; bump-up option available (contact Bridge before maturity)

Rate History
No change since Oct 9, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 9, 2026: 4.05% APYOct 9, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
48 Month Certificate
$100,000
4.05% ▲ 1.38% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.81%
Details

Certificate Rates

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4988 Wagner Ford Rd, Dayton, OH 45414 4420
IRA 48 Month Certificate
$0
4.05% ▲ 1.38% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 25, 2026
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4988 Wagner Ford Rd, Dayton, OH 45414 4420
Share Certificates - 48 Month Certificate
$0
4.05% ▲ 1.38% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.81%
Details

Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 22, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 48 months
$0
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Balance: $500 - $14,999.99

Rate History
1 change since Sep 25, 2026 · 3.66% → 4.00% ▲ 0.34 pts · high 4.00% / low 3.66%
3.16%3.83%4.50%Sep 25, 2026: 3.66% APYOct 23, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.66%
  • Sep 25, 20263.66%first recorded
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
510 E Mound St, Columbus, OH 43215 5539
Certificate - 48 Month
$500
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Dividend Period: Calendar Month; Dividends Compounded and Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
7740 Paragon Rd, Dayton, OH 45459
Individual Retirement Accounts (IRAs) - 48 Months - Jumbo
$500
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Jumbo ($50,000+) rate and yield; Traditional and Roth IRA; rates effective July 16, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
7740 Paragon Rd, Dayton, OH 45459
Share Certificates of Deposits - 48 Months - Jumbo
$0
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Jumbo ($50,000+) Rate and Yield; A Premium is also paid on Jumbo Share Certificates

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
48 Month Certificate
$0
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
48 Month HSA Certificate
$0
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
48 Month IRA Certificate (Roth, Traditional, Education)
$0
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
48 Month Certificate
$1,000
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Dividend Rates: 3.93%; APY*: 4.00%

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
Certificate - 48 months
$1,000
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Oct 1, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 1, 2026: 4.00% APYOct 1, 2026Oct 25, 2026
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.11%
800 Falls Creek Dr, Vandalia, OH 45377 8600
48 Month Certificate of Deposit
$500
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Rates effective September 22, 2026; Subject to change at any time

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.11%
800 Falls Creek Dr, Vandalia, OH 45377 8600
48 Month Certificates of Deposit - Charm
$500
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Rates effective September 22, 2026; Minimum $500 is required to earn dividends

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1340 Arrowhead Dr, Maumee, OH 43537
48 Month CD
$500
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1340 Arrowhead Dr, Maumee, OH 43537
48 Month IRA
$1,000
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

IRA Certificate

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
2 N 2nd St, Newark, OH 43055
4 Year CD
$500
3.98% ▲ 1.31% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.31% above avgNationally 2.81%
Details

Effective 10/07/26

Rate History
1 change since Sep 14, 2026 · 2.01% → 3.98% ▲ 1.97 pts · high 3.98% / low 2.01%
0.04%3.00%5.95%Sep 14, 2026: 2.01% APYSep 24, 2026: 3.98% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.98%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Your Legacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
25 Shaffer Park Dr, Tiffin, OH 44883 9290
Share Certificate - 48 Months
$500
3.98% ▲ 1.31% above Ohio avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.31% above avgNationally 2.81%
Details

Compounding: Monthly; Rates Effective 10/22/2026

Rate History
1 change since Oct 15, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.87%4.48%Oct 15, 2026: 3.77% APYOct 22, 2026: 3.98% APYOct 15, 2026Oct 25, 2026
  • Oct 22, 20263.98%▲ from 3.77%
  • Oct 15, 20263.77%first recorded
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
12837 US Highway 68, Kenton, OH 43326
48 Month Certificate
$75,000
3.97% ▲ 1.30% above Ohio avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.30% above avgNationally 2.81%
Details

Certificate Rates effective Friday, October 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.97% ▲ 0.41 pts · high 3.97% / low 3.56%
3.06%3.77%4.47%Sep 14, 2026: 3.56% APYOct 5, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.97%▲ from 3.56%
  • Sep 14, 20263.56%first recorded

Ohio 60 Month CD Rates

MonitorBankRates Ohio Average · 60 Month CD2.78% APY▼ 0.02% from last weekNational 2.92%
View 60-month CD rate trend

The average 60-month CD rate in Ohio is 2.78% APY, compared with 2.92% nationally, as of October 25, 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
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
60 Month IRA Certificates
$500
5.06% ▲ 2.28% above Ohio avg
View
▼
Rate4.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 2.28% above avgNationally 2.92%
Details

Rate History
1 change since Sep 18, 2026 · 4.18% → 5.06% ▲ 0.89 pts · high 5.06% / low 4.18%
3.29%4.62%5.95%Sep 18, 2026: 4.18% APYOct 19, 2026: 5.06% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20265.06%▲ from 4.18%
  • Sep 18, 20264.18%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
60 Month Share Certificates
$500
5.06% ▲ 2.28% above Ohio avg
View
▼
Rate4.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 2.28% above avgNationally 2.92%
Details

Minimum deposit of $500 required.

Rate History
1 change since Sep 22, 2026 · 4.18% → 5.06% ▲ 0.89 pts · high 5.06% / low 4.18%
3.29%4.62%5.95%Sep 22, 2026: 4.18% APYOct 9, 2026: 5.06% APYSep 22, 2026Oct 25, 2026
  • Oct 9, 20265.06%▲ from 4.18%
  • Sep 22, 20264.18%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
60 Month Jumbo Certificate
$0
5.00% ▲ 2.22% above Ohio avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 2.22% above avgNationally 2.92%
Details

Balance: $250,000 or more; includes additional 0.25% APY jumbo bonus

Rate History
1 change since Sep 14, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
3.10%4.53%5.95%Sep 14, 2026: 4.05% APYOct 9, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20265.00%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 60 Month
$0
4.90% ▲ 2.12% above Ohio avg
View
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 2.12% above avgNationally 2.92%
Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.31% → 4.90% ▲ 0.59 pts · high 4.90% / low 4.31%
3.72%4.61%5.49%Sep 14, 2026: 4.31% APYOct 12, 2026: 4.90% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.90%▲ from 4.31%
  • Sep 14, 20264.31%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
60 Month Certificate
$500
4.75% ▲ 1.97% above Ohio avg
View
▼
Rate4.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.97% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.75% ▲ 0.95 pts · high 4.75% / low 3.80%
2.85%4.28%5.70%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.75% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.75%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
60 Month Share and IRA Jumbo Certificates
$0
4.65% ▲ 1.87% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.87% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 19, 2026: 4.65% APYOct 19, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19775 State Route 739, Marysville, OH 43040
5 Year Executive
$0
4.60% ▲ 1.82% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details

Minimum: $100,000; APY based on minimum deposits of at least $500

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 23, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19775 State Route 739, Marysville, OH 43040
5 Year Roth Executive IRA Certificate
$100,000
4.60% ▲ 1.82% above Ohio avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19775 State Route 739, Marysville, OH 43040
5 Year Roth IRA Certificate
$500
4.60% ▲ 1.82% above Ohio avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Sep 14, 2026: 3.40% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19775 State Route 739, Marysville, OH 43040
5 Year Roth Premier IRA Certificate
$10,000
4.60% ▲ 1.82% above Ohio avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
2.40%4.05%5.70%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19775 State Route 739, Marysville, OH 43040
5 Year Traditional Executive IRA Certificate
$100,000
4.60% ▲ 1.82% above Ohio avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19775 State Route 739, Marysville, OH 43040
5 Year Traditional IRA Certificate
$500
4.60% ▲ 1.82% above Ohio avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Sep 14, 2026: 3.40% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19775 State Route 739, Marysville, OH 43040
5 Year Traditional Premier IRA Certificate
$10,000
4.60% ▲ 1.82% above Ohio avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.82% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
2.40%4.05%5.70%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
Certificate of Deposit - 60 months
$500
4.55% ▲ 1.77% above Ohio avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.77% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%
2.75%4.10%5.45%Sep 14, 2026: 3.65% APYOct 23, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.55%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
60 Month Share and IRA Certificates
$0
4.55% ▲ 1.77% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.77% above avgNationally 2.92%
Details

Rates effective August 5, 2026

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
3.53%4.30%5.06%Sep 14, 2026: 4.04% APYSep 22, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.55%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
60 Month Bonus CD
$0
4.50% ▲ 1.72% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▲ 1.72% above avgNationally 2.92%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
60 Month Certificate
$0
4.45% ▲ 1.67% above Ohio avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.67% above avgNationally 2.92%
Details

Certificates Account; Annual Percentage Rate 4.35%; Annual Percentage Yield 4.45%

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
2.85%4.05%5.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.45%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Business Certificate Standard - ConnectMORE
$500
4.30% ▲ 1.52% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.52% above avgNationally 2.92%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
60 Month Certificate/IRA
$500
4.30% ▲ 1.52% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.52% above avgNationally 2.92%
Details

IRA available; Rates current as of 10/05/2026

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85%
3.35%4.08%4.80%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificate of Deposit - 60 Month
$1,000
4.25% ▲ 1.47% above Ohio avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit - 60 Month
$1,000
4.25% ▲ 1.47% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts - 60-Month
$1,000
4.25% ▲ 1.47% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA Certificate - 60-Month
$1,000
4.25% ▲ 1.47% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Standard Certificate - ConnectMORE
$500
4.25% ▲ 1.47% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificate - 60-Month
$1,000
4.20% ▲ 1.42% above Ohio avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 12, 2026: 4.05% APYSep 20, 2026: 4.20% APYSep 12, 2026Oct 25, 2026
  • Sep 20, 20264.20%▲ from 4.05%
  • Sep 12, 20264.05%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
Regular Certificate - 60-Month
$1,000
4.20% ▲ 1.42% above Ohio avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 12, 2026: 4.05% APYSep 18, 2026: 4.20% APYSep 12, 2026Oct 25, 2026
  • Sep 18, 20264.20%▲ from 4.05%
  • Sep 12, 20264.05%first recorded
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
550 Main St, Cincinnati, OH 45202
Standard Certificate - 60 Months
$500
4.20% ▲ 1.42% above Ohio avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
60 Month Certificate
$500
4.20% ▲ 1.42% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
555 Officenter Pl, Gahanna, OH 43230 5314
60 Month Term IRA
$250
4.20% ▲ 1.42% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

KEMBA Advantage APY

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Business Certificate Standard
$500
4.20% ▲ 1.42% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 9, 2026: 4.20% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Second Chance Certificate - ConnectMORE
$500
4.20% ▲ 1.42% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program; bump-up option available (contact Bridge before maturity)

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1205 E Kibby St, Lima, OH 45804
Share Certificate - 60 Months
$1,000
4.20% ▲ 1.42% above Ohio avg
View
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

Rates effective as of 10/1/2026; APY = Annual Percentage Yield; Dividends compounded quarterly; 180-day early withdrawal penalty

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
60 Month Jumbo Certificate
$100,000
4.20% ▲ 1.42% above Ohio avg
View
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

Dividend Rates: 4.12%; APY*: 4.20%

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificate - 60 months
$1,000
4.20% ▲ 1.42% above Ohio avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

Rate History
No change since Oct 1, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 1, 2026: 4.20% APYOct 1, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
Jumbo Certificate - 60 months
$100,000
4.20% ▲ 1.42% above Ohio avg
View
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

Rate History
No change since Oct 1, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 1, 2026: 4.20% APYOct 1, 2026Oct 25, 2026
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1 Union Sq, Bellevue, OH 44811
60 Month Certificate of Deposit (CD)
$500
4.18% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.40% above avgNationally 2.92%
Details

Minimum balance to obtain APY: $500.00; APY accurate as of 10/21/2026; Early withdrawal penalties apply

Rate History
No change since Sep 19, 2026 · 4.18% APY · checked 4 times
3.68%4.18%4.68%Sep 19, 2026: 4.18% APYSep 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Standard Certificate
$500
4.15% ▲ 1.37% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.37% above avgNationally 2.92%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 25, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
510 E Mound St, Columbus, OH 43215 5539
Certificate - 60 Month
$500
4.15% ▲ 1.37% above Ohio avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.37% above avgNationally 2.92%
Details

Dividend Period: Calendar Month; Dividends Compounded and Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
3.05%3.88%4.70%Sep 14, 2026: 3.60% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.15%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 60 months
$0
4.14% ▲ 1.36% above Ohio avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.36% above avgNationally 2.92%
Details

Balance: Over $75,000

Rate History
1 change since Sep 25, 2026 · 3.79% → 4.14% ▲ 0.35 pts · high 4.14% / low 3.79%
3.29%3.97%4.64%Sep 25, 2026: 3.79% APYOct 23, 2026: 4.14% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.14%▲ from 3.79%
  • Sep 25, 20263.79%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Second Chance Certificate
$500
4.10% ▲ 1.32% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details

Everyday APY; bump-up option available (contact Bridge before maturity)

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
60 Month Certificate
$100,000
4.10% ▲ 1.32% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details

Certificate Rates

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
60 Month Certificate
$0
4.10% ▲ 1.32% above Ohio avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
60 Month HSA Certificate
$0
4.10% ▲ 1.32% above Ohio avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
60 Month IRA Certificate (Roth, Traditional, Education)
$0
4.10% ▲ 1.32% above Ohio avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
60 Month Certificate
$1,000
4.10% ▲ 1.32% above Ohio avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details

Dividend Rates: 4.02%; APY*: 4.10%

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
505 Earl Blvd, Miamisburg, OH 45342
Certificate - 60 months
$1,000
4.10% ▲ 1.32% above Ohio avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.32% above avgNationally 2.92%
Details

Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 1, 2026: 4.10% APYOct 1, 2026Oct 25, 2026
Your Legacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
25 Shaffer Park Dr, Tiffin, OH 44883 9290
Share Certificate - 60 Months
$500
4.08% ▲ 1.30% above Ohio avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.30% above avgNationally 2.92%
Details

Compounding: Monthly; Rates Effective 10/22/2026

Rate History
1 change since Oct 15, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Oct 15, 2026: 3.82% APYOct 22, 2026: 4.08% APYOct 15, 2026Oct 25, 2026
  • Oct 22, 20264.08%▲ from 3.82%
  • Oct 15, 20263.82%first recorded
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
12837 US Highway 68, Kenton, OH 43326
60 Month Certificate
$75,000
4.07% ▲ 1.29% above Ohio avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.29% above avgNationally 2.92%
Details

Certificate Rates effective Friday, October 23, 2026

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
FNB of Blanchester
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
121 E Main St, Blanchester, OH 45107
COD - IRA 5 Years
$1,000
4.06% ▲ 1.28% above Ohio avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average2.78%▲ 1.28% above avgNationally 2.92%
Details

Certificates require a $1,000.00 Minimum Deposit; Rates change each Tuesday; substantial interest penalty for early withdrawal; Rates effective Oct. 20, 2026

Rate History
1 change since Oct 20, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
3.41%3.99%4.56%Oct 20, 2026: 3.91% APYOct 21, 2026: 4.06% APYOct 20, 2026Oct 25, 2026
  • Oct 21, 20264.06%▲ from 3.91%
  • Oct 20, 20263.91%first recorded
Treadwell Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4988 Wagner Ford Rd, Dayton, OH 45414 4420
IRA 60 Month Certificate
$0
4.05% ▲ 1.27% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.27% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 25, 2026
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.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Ohio Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Peoples First Savings Bank
24 Month IRA (Variable)
B 4.6 ★ TX: 20.46%
Min: $100
4.91%
Third Federal Savings and Loan
6 Month Bonus CD
A+ 5.0 ★ TX: 2.32%
Min: $0
4.75%
Austin Capital Bank
3 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.96%
Min: $0
4.58%
First Federal S&L of Van Wert
18 Month Certificate of Deposit (CD) Special
A 5.0 ★ TX: 7.43%
Min: $0
4.50%
Community Savings Bank Bethel, OH
36 Month CD
A+ 5.0 ★ TX: 0.56%
Min: $5,000
4.50%
CU Top 5 Credit Union Rates
Vacationland Federal Credit Union
Youth Certificates - 12 Months
A+ 5.0 ★ TX: 4.80%
Min: $500
6.03%
Scott Associates Credit Union
60 Month IRA Certificates
A 5.0 ★ TX: 6.90%
Min: $500
5.06%
Seven Seventeen Credit Union
60 Month Jumbo Certificate
A 5.0 ★ TX: 7.64%
Min: $0
5.00%
GLASS CITY
12 Month Youth CD
A+ 5.0 ★ TX: 1.32%
Min: $100
5.00%
Fremont Federal Credit Union
Share Certificates - 60 Month
A+ 5.0 ★ TX: 4.36%
Min: $0
4.90%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

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.

View Full Ohio CD Trends
12-Month CD OH Avg
3.151%
▼ 0.020 vs 7 days ago

Ohio 12-month CD rates fell 0.020 points over the past 7 days to 3.151% APY.

6-Month CD OH Avg
2.796%
▼ 0.040 vs 7 days ago

Ohio 6-month CD rates fell 0.040 points over the past 7 days to 2.796% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

OH CD Rate Forecast, Next 12 Months

Where are Ohio CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

OH 12-Month Avg APY
3.151%
6-Month Forecast
3.151%
Range: 2.95%, 3.30%
12-Month Forecast
3.401%
Range: 3.20%, 3.55%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Ohio average 12-month CD APY in our database.

Spread model: The Ohio 12-month CD average currently trades 1.22% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 1.671% $83.57 $167.14 $417.85 $835.70
6-Month CD 2.796% $139.80 $279.60 $699.00 $1,398.00
12-Month CD 3.151% $157.57 $315.14 $787.85 $1,575.70
18-Month CD 2.859% $142.96 $285.92 $714.80 $1,429.60
24-Month CD 2.926% $146.29 $292.57 $731.43 $1,462.85
36-Month CD 2.702% $135.10 $270.19 $675.48 $1,350.95
48-Month CD 2.673% $133.63 $267.25 $668.13 $1,336.25
60-Month CD 2.785% $139.24 $278.48 $696.20 $1,392.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
Powered byMonitorBankRates

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.

Build Your Ladder
Rung Term Deposit OH Avg APY Annual Earnings
1 3-Month CD $5,000 1.671% $83.57
2 6-Month CD $5,000 2.796% $139.80
3 12-Month CD $5,000 3.151% $157.57
4 24-Month CD $5,000 2.926% $146.29
5 36-Month CD $5,000 2.702% $135.10
Total ($25,000 invested) $25,000 2.649% blended $662.33/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.

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2,153
CD Rates
Tracked in Ohio
49 Banks 99 Credit Unions

About Our Ohio CD Rate Database

MonitorBankRates tracks 2,153 CD rates from 49 banks and 99 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 to 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: Vacationland Federal Credit Union offers a CD at 6.03% APY with a minimum deposit of $500. 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 99 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: 148 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
$139/yr
At OH 12-mo avg 3.151% 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 3.151%, saving 10% of the local median salary ($4,400/year) and putting it in a CD would earn an additional $139 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 to 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, Third Federal Savings and Loan is offering its 6 Month Bonus CD at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Scott Associates Credit Union is offering its 60 Month IRA Certificates at 5.06% 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:
  • Vacationland Federal Credit Union: 6.03% APY (Youth Certificates - 12 Months)
  • Scott Associates Credit Union: 5.06% APY (60 Month IRA Certificates)
  • Seven Seventeen Credit Union: 5.00% APY (60 Month Jumbo Certificate)
  • GLASS CITY: 5.00% APY (12 Month Youth CD)
  • Peoples First Savings Bank: 4.91% APY (24 Month IRA (Variable))
  • Fremont Federal Credit Union: 4.90% APY (Share Certificates - 60 Month)
  • National Police Federal Credit Union: 4.81% APY (24-Month IRA)
  • Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
  • Homeland Credit Union: 4.65% APY (60 Month Share and IRA Jumbo Certificates)
  • Honda Federal Credit Union: 4.60% APY (5 Year Executive)
Rates reflect recent verified offers available in Ohio. Last Updated: October 23, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Ohio CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Ohio. Averages shown use the Ohio state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Ohio

Ohio CD Calculator

At today’s OH top rate of 6.03% APY, a $10,000 deposit earns $603 in the first year. Enter your amount to see your exact return.

Ohio CD Ladder

OH CD rates currently range from 1.671% (3-month) to 2.702% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Ohio CD at 6.03% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Ohio’s average 12-month CD is 3.151% 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: October 23, 2026

Ohio Rates & Resources

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Cities in Ohio

  • Aberdeen
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  • Lindsey
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  • Maximo
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  • Maynard
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  • McDonald
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  • Mechanicsburg
  • Mechanicstown
  • Medina
  • Medway
  • Melmore
  • Melrose
  • Mendon
  • Mentor
  • Mentor-on-the-Lake
  • Mesopotamia
  • Metamora
  • Meyers Lake
  • Miamisburg
  • Miamitown
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  • Middle Bass
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  • Middlebranch
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  • Middleburg Heights
  • Middlefield
  • Middleport
  • Middletown
  • Midland
  • Midvale
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  • Mifflin
  • Milan
  • Milford
  • Milford Center
  • Millbury
  • Milledgeville
  • Miller City
  • Millersburg
  • Millersport
  • Millfield
  • Millville
  • Milton Center
  • Miltonsburg
  • Mineral City
  • Mineral Ridge
  • Minerva
  • Minerva Park
  • Minford
  • Mingo
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  • Minster
  • Mogadore
  • Monclova
  • Monroe
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  • Montezuma
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  • Montpelier
  • Montville
  • Moraine
  • Moreland Hills
  • Morgan
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  • Morristown
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  • Mount Blanchard
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  • Mount Hope
  • Mount Liberty
  • Mount Orab
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  • Mount Pleasant
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  • Mount Vernon
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  • Mowrystown
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  • Munroe Falls
  • Murray City
  • Mutual
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  • Navarre
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  • Neffs
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  • Nellie
  • Nelsonville
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  • Neville
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  • Newark
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  • Newbury
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  • Newtown
  • Ney
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  • North Georgetown
  • North Hampton
  • North Jackson
  • North Kingsville
  • North Lawrence
  • North Lewisburg
  • North Lima
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  • North Perry
  • North Randall
  • North Ridgeville
  • North Robinson
  • North Royalton
  • North Star
  • Northfield
  • Northwood
  • Norton
  • Norwalk
  • Norwich
  • Norwood
  • Nova
  • Novelty
  • Oak Harbor
  • Oak Hill
  • Oakwood
  • Oberlin
  • Obetz
  • Oceola
  • Octa
  • Ohio City
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  • Okolona
  • Old Fort
  • Old Washington
  • Olmsted Falls
  • Ontario
  • Orange
  • Orangeville
  • Oregon
  • Oregonia
  • Orient
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  • Orwell
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  • Ottawa Hills
  • Ottoville
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  • Overpeck
  • Owensville
  • Oxford
  • Painesville
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  • Pandora
  • Paris
  • Parkman
  • Parma
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  • Parral
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  • Patterson
  • Paulding
  • Payne
  • Pedro
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  • Pemberville
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  • Pepper Pike
  • Perry
  • Perrysburg
  • Perrysville
  • Petersburg
  • Pettisville
  • Phillipsburg
  • Philo
  • Pickerington
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  • Pierpont
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  • Piney Fork
  • Pioneer
  • Piqua
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  • Plain City
  • Plainfield
  • Pleasant City
  • Pleasant Hill
  • Pleasant Plain
  • Pleasantville
  • Plymouth
  • Poland
  • Polk
  • Pomeroy
  • Port Clinton
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  • Port Washington
  • Port William
  • Portage
  • Portland
  • Portsmouth
  • Potsdam
  • Powell
  • Powhatan Point
  • Proctorville
  • Prospect
  • Put In Bay
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  • Quincy
  • Racine
  • Radnor
  • Randolph
  • Rarden
  • Ravenna
  • Rawson
  • Ray
  • Rayland
  • Raymond
  • Reading
  • Reedsville
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  • Reminderville
  • Reno
  • Republic
  • Reynoldsburg
  • Richfield
  • Richland
  • Richmond
  • Richmond Dale
  • Richmond Heights
  • Richwood
  • Ridgeville
  • Ridgeville Corners
  • Ridgeway
  • Rio Grande
  • Ripley
  • Risingsun
  • Rittman
  • Riverlea
  • Riverside
  • Roaming Shores
  • Robertsville
  • Rochester
  • Rock Camp
  • Rock Creek
  • Rockbridge
  • Rockford
  • Rocky Ridge
  • Rocky River
  • Rogers
  • Rome
  • Rootstown
  • Roseville
  • Rosewood
  • Ross
  • Rossburg
  • Rossford
  • Roswell
  • Roundhead
  • Rudolph
  • Rushsylvania
  • Rushville
  • Russells Point
  • Russellville
  • Russia
  • Rutland
  • Sabina
  • Saint Bernard
  • Saint Clairsville
  • Saint Henry
  • Saint Johns
  • Saint Louisville
  • Saint Marys
  • Saint Paris
  • Salem
  • Salesville
  • Salineville
  • Sandusky
  • Sandyville
  • Sarahsville
  • Sardinia
  • Sardis
  • Savannah
  • Scio
  • Scioto Furnace
  • Scott
  • Scottown
  • Seaman
  • Sebring
  • Sedalia
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  • Seven Hills
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  • Seville
  • Shade
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  • Shaker Heights
  • Shandon
  • Sharon Center
  • Sharonville
  • Sharpsburg
  • Shauck
  • Shawnee
  • Shawnee Hills
  • Sheffield
  • Sheffield Lake
  • Shelby
  • Sherrodsville
  • Sherwood
  • Shiloh
  • Short Creek
  • Shreve
  • Sidney
  • Silver Lake
  • Silverton
  • Sinking Spring
  • Smithfield
  • Smithville
  • Solon
  • Somerdale
  • Somerset
  • Somerville
  • South Amherst
  • South Bloomfield
  • South Bloomingville
  • South Charleston
  • South Euclid
  • South Lebanon
  • South Point
  • South Russell
  • South Salem
  • South Solon
  • South Vienna
  • South Webster
  • South Zanesville
  • Southington
  • Sparta
  • Spencer
  • Spencerville
  • Spring Valley
  • Springboro
  • Springdale
  • Springfield
  • Stafford
  • Sterling
  • Steubenville
  • Stewart
  • Stillwater
  • Stockdale
  • Stockport
  • Stokes
  • Stone Creek
  • Stony Ridge
  • Stout
  • Stoutsville
  • Stow
  • Strasburg
  • Stratton
  • Streetsboro
  • Strongsville
  • Struthers
  • Stryker
  • Sugar Bush Knolls
  • Sugar Grove
  • Sugarcreek
  • Sullivan
  • Sulphur Springs
  • Summerfield
  • Summit Station
  • Summitville
  • Sunbury
  • Swanton
  • Sycamore
  • Sycamore Valley
  • Sylvania
  • Syracuse
  • Tallmadge
  • Tarlton
  • Terrace Park
  • The Plains
  • The Village of Indian Hill
  • Thompson
  • Thornville
  • Thurman
  • Thurston
  • Tiffin
  • Tiltonsville
  • Timberlake
  • Tipp City
  • Tippecanoe
  • Tiro
  • Toledo
  • Tontogany
  • Torch
  • Toronto
  • Tremont City
  • Trenton
  • Trimble
  • Trinway
  • Trotwood
  • Troy
  • Tuppers Plains
  • Tuscarawas
  • Twinsburg
  • Uhrichsville
  • Union
  • Union City
  • Union Furnace
  • Unionport
  • Uniontown
  • Unionville
  • Unionville Center
  • Uniopolis
  • University Heights
  • Upper Arlington
  • Upper Sandusky
  • Urbana
  • Urbancrest
  • Utica
  • Valley City
  • Valley Hi
  • Valley View
  • Van Buren
  • Van Wert
  • Vandalia
  • Vanlue
  • Vaughnsville
  • Venedocia
  • Vermilion
  • Verona
  • Versailles
  • Vickery
  • Vienna
  • Vincent
  • Vinton
  • Wadsworth
  • Waite Hill
  • Wakefield
  • Wakeman
  • Walbridge
  • Waldo
  • Walhonding
  • Walnut Creek
  • Walton Hills
  • Wapakoneta
  • Warnock
  • Warren
  • Warrensville Heights
  • Warsaw
  • Washington Court House
  • Washingtonville
  • Waterford
  • Waterloo
  • Watertown
  • Waterville
  • Wauseon
  • Waverly
  • Wayland
  • Wayne
  • Wayne Lakes
  • Waynesburg
  • Waynesfield
  • Waynesville
  • Wellington
  • Wellston
  • Wellsville
  • West Alexandria
  • West Carrollton
  • West Chester
  • West Elkton
  • West Farmington
  • West Jefferson
  • West Lafayette
  • West Leipsic
  • West Liberty
  • West Manchester
  • West Mansfield
  • West Millgrove
  • West Milton
  • West Point
  • West Portsmouth
  • West Rushville
  • West Salem
  • West Union
  • West Unity
  • Westerville
  • Westfield Center
  • Westlake
  • Weston
  • Westville
  • Wharton
  • Wheelersburg
  • Whipple
  • White Cottage
  • Whitehall
  • Whitehouse
  • Wickliffe
  • Wilberforce
  • Wilkesville
  • Willard
  • Williamsburg
  • Williamsfield
  • Williamsport
  • Williamstown
  • Williston
  • Willoughby
  • Willoughby Hills
  • Willow Wood
  • Willowick
  • Willshire
  • Wilmington
  • Wilmot
  • Wilson
  • Winchester
  • Windham
  • Windsor
  • Winesburg
  • Wingett Run
  • Winona
  • Wintersville
  • Wolf Run
  • Woodlawn
  • Woodmere
  • Woodsfield
  • Woodstock
  • Woodville
  • Wooster
  • Worthington
  • Wren
  • Wyoming
  • Xenia
  • Yankee Lake
  • Yellow Springs
  • Yorkshire
  • Yorkville
  • Youngstown
  • Zaleski
  • Zanesfield
  • Zanesville
  • Zoar