Cincinnati, Ohio Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Cincinnati, Ohio CD rates include General Electric Credit UnionGeneral Electric Credit Union10485 Reading Rd, Cincinnati, OH 45241 2523A5.0 ★Texas Ratio: 6.82%Real return: +2.19%APY minus CPI (February 2026) offering 6-month intro at 4.99% APY, Republic Bank & Trust CompanyRepublic Bank & Trust Company8050 Hosbrook Rd, Cincinnati, OH 45236A+5.0 ★Texas Ratio: 0.00%Real return: +1.10%APY minus CPI (February 2026) offering 6 Month CD at 3.90% APY, St James Parish Credit UnionSt James Parish Credit Union6195 Cheviot Rd, Cincinnati, OH 45247 6120A+5.0 ★Texas Ratio: 0.00%Real return: +1.02%APY minus CPI (February 2026) offering 12 Months at 3.82% APY, Greater Cincinnati School Credit UnionGreater Cincinnati School Credit Union7221 Montgomery Rd, Cincinnati, OH 45236A+5.0 ★Texas Ratio: 3.70%Real return: +1.02%APY minus CPI (February 2026) offering Diamond Club Certificates 1 Year at 3.82% APY, and Kemba Credit UnionKemba Credit Union211 Northland Blvd, Cincinnati, OH 45246A5.0 ★Texas Ratio: 5.93%Real return: +1.00%APY minus CPI (February 2026) offering Certificates 60 Months at 3.80% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Cincinnati has 181 local institutions in our database, with CD rates as high as 4.99% APY from General Electric Credit Union at 10485 Reading Rd, Cincinnati, OH 45241 2523. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Ohio area. Rates are continually updated — 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: August 28, 2026
Compare Best CD Rates in Cincinnati, Ohio & the Surrounding Area
Cincinnati 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
211 Northland Blvd, Cincinnati, OH 45246
Certificates 3 Months
$0
3.65%
▲ 2.19% above Ohio avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.19% above avgNationally 1.96%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
3-Month Certificate
$0
3.55%
▲ 2.09% above Ohio avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.09% above avgNationally 1.96%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 3-Month Certificate
$0
3.55%
▲ 2.09% above Ohio avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.09% above avgNationally 1.96%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 3-Month Certificate
$0
3.55%
▲ 2.09% above Ohio avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.09% above avgNationally 1.96%
Details
Health Savings Account (HSA) Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 3 Month CD
$0
3.25%
▲ 1.79% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.79% above avgNationally 1.96%
Details
TruAdvantage; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 3 Month
$0
3.25%
▲ 1.79% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.79% above avgNationally 1.96%
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 3 Month CD
$0
3.10%
▲ 1.64% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.64% above avgNationally 1.96%
Details
TruBenefits; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 3 Month
$0
3.10%
▲ 1.64% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.64% above avgNationally 1.96%
Details
TruBenefits APY
Heritage Bank, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
9749 Montgomery Rd, Cincinnati, OH 45242
3 Months
$2,000
3.00%
▲ 1.54% above Ohio avg
▼
Rate2.96%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.54% above avgNationally 1.96%
Details
Day/Year: 365/366; Penalty: 45 Days
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 3 Month CD
$0
3.00%
▲ 1.54% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.54% above avgNationally 1.96%
Details
Regular; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 3 Month
$0
3.00%
▲ 1.54% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.54% above avgNationally 1.96%
Details
Regular APY
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
959 W 8th St, Cincinnati, OH 45203
3 mo.
$0
3.00%
▲ 1.54% above Ohio avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.54% above avgNationally 1.96%
Details
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
959 W 8th St, Cincinnati, OH 45203
3 mo. Certificate
$0
3.00%
▲ 1.54% above Ohio avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.54% above avgNationally 1.96%
Details
Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
3-Month CD
$0
0.10%
▼ 1.36% below Ohio avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▼ 1.36% below avgNationally 1.96%
Details
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$500
3.85%
▲ 2.39% above Ohio avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.39% above avgNationally 1.96%
Details
Early withdrawals subject to penalty*
Unified Bank Martins Ferry, OH
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3 Month CD
$1,000
3.61%
▲ 2.15% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.15% above avgNationally 1.96%
Details
APY = Annual Percentage Yield. The APY's are accurate as of 7/01/26. CD Rates require a minimum of $1,000 to open and attain the stated APY. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. $1,000 minimum needed to earn the listed APY. Please contact us at 888.275.5566 for current rate information.
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3 Month
$5,000
3.50%
▲ 2.04% above Ohio avg
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.04% above avgNationally 1.96%
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 month Certificate
$500
3.50%
▲ 2.04% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.04% above avgNationally 1.96%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Month Certificate
$500
3.50%
▲ 2.04% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.04% above avgNationally 1.96%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Month Term IRA
$250
3.50%
▲ 2.04% above Ohio avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.04% above avgNationally 1.96%
Details
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
3-MONTH CD
$0
3.46%
▲ 2.00% above Ohio avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 2.00% above avgNationally 1.96%
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
90 Day Certificate
$0
3.45%
▲ 1.99% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.99% above avgNationally 1.96%
Details
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
90 Day CD
$500
3.35%
▲ 1.89% above Ohio avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.89% above avgNationally 1.96%
Details
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3 Month CD
$1,000
3.25%
▲ 1.79% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.79% above avgNationally 1.96%
Details
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
3 Month Certificate Account
$500
3.04%
▲ 1.58% above Ohio avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.58% above avgNationally 1.96%
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3 Month Term Share Certificate
$0
3.00%
▲ 1.54% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.54% above avgNationally 1.96%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Month Term IRA
$250
3.00%
▲ 1.54% above Ohio avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.54% above avgNationally 1.96%
Details
Everyday APY
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Certificate
$500
2.89%
▲ 1.43% above Ohio avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.43% above avgNationally 1.96%
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
3 Month Regular Certificate
$0
2.50%
▲ 1.04% above Ohio avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 1.04% above avgNationally 1.96%
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Share Certificate
$500
2.39%
▲ 0.93% above Ohio avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 0.93% above avgNationally 1.96%
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Month CD
$500
2.15%
▲ 0.69% above Ohio avg
▼
Rate2.13%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 0.69% above avgNationally 1.96%
Details
Penalty will be imposed for early withdrawal.
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3 Month
$500
2.02%
▲ 0.56% above Ohio avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 0.56% above avgNationally 1.96%
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
IRA 3 Month
$500
2.02%
▲ 0.56% above Ohio avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 0.56% above avgNationally 1.96%
Details
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.81%
3 Month
$0
2.00%
▲ 0.54% above Ohio avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 0.54% above avgNationally 1.96%
Details
VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal.
Hancock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
3 Month Certificate
$0
1.50%
▲ 0.04% above Ohio avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average1.46%▲ 0.04% above avgNationally 1.96%
Details
Cincinnati 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
6-month intro
$0
4.99%
▲ 2.57% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 2.57% above avgNationally 2.67%
Details
Introductory rate
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
6 Month CD
$0
3.90%
▲ 1.48% above Ohio avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.48% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
6 Month Certificate
$1,000
3.90%
▲ 1.48% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.48% above avgNationally 2.67%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
6 Month
$0
3.80%
▲ 1.38% above Ohio avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.38% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
6 Month Certificate
$1,000
3.80%
▲ 1.38% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.38% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
6-Month IRA
$1,000
3.80%
▲ 1.38% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.38% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit 6 Month
$1,000
3.80%
▲ 1.38% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.38% above avgNationally 2.67%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts 6-Month
$1,000
3.80%
▲ 1.38% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.38% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
211 Northland Blvd, Cincinnati, OH 45246
Certificates 6 Months
$0
3.65%
▲ 1.23% above Ohio avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.23% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
6 Month CD
$0
3.60%
▲ 1.18% above Ohio avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.18% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
6 Month Certificate
$1,000
3.60%
▲ 1.18% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.18% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit 6 Month
$1,000
3.60%
▲ 1.18% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.18% above avgNationally 2.67%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts 6-Month
$1,000
3.60%
▲ 1.18% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.18% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
6-Month Certificate
$0
3.60%
▲ 1.18% above Ohio avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.18% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 6-Month Certificate
$0
3.60%
▲ 1.18% above Ohio avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.18% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 6-Month Certificate
$0
3.60%
▲ 1.18% above Ohio avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.18% above avgNationally 2.67%
Details
Health Savings Account (HSA) Certificates
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
959 W 8th St, Cincinnati, OH 45203
6 mo.
$0
3.50%
▲ 1.08% above Ohio avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.08% above avgNationally 2.67%
Details
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
959 W 8th St, Cincinnati, OH 45203
6 mo. Certificate
$0
3.50%
▲ 1.08% above Ohio avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.08% above avgNationally 2.67%
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 6 Month CD
$0
3.25%
▲ 0.83% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 0.83% above avgNationally 2.67%
Details
TruAdvantage; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 6 Month
$0
3.25%
▲ 0.83% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 0.83% above avgNationally 2.67%
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 6 Month CD
$0
3.10%
▲ 0.68% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 0.68% above avgNationally 2.67%
Details
TruBenefits; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 6 Month
$0
3.10%
▲ 0.68% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 0.68% above avgNationally 2.67%
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 6 Month CD
$0
3.00%
▲ 0.58% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 0.58% above avgNationally 2.67%
Details
Regular; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 6 Month
$0
3.00%
▲ 0.58% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 0.58% above avgNationally 2.67%
Details
Regular APY
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
6 Months
$0
2.78%
▲ 0.36% above Ohio avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 0.36% above avgNationally 2.67%
Details
Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
6-Month CD
$0
0.20%
▼ 2.22% below Ohio avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▼ 2.22% below avgNationally 2.67%
Details
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
26 Martin Luther King Dr W, Cincinnati, OH 45220 2242
Share Certificates 6 Months
$500
0.10%
▼ 2.32% below Ohio avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▼ 2.32% below avgNationally 2.67%
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6 Month Bonus CD
$500
4.75%
▲ 2.33% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 2.33% above avgNationally 2.67%
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
6 Month
$0
4.16%
▲ 1.74% above Ohio avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.74% above avgNationally 2.67%
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6-Month
$0
4.13%
▲ 1.71% above Ohio avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.71% above avgNationally 2.67%
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6 Month Certificate
$0
4.08%
▲ 1.66% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.66% above avgNationally 2.67%
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6 Month Certificate IRA
$0
4.08%
▲ 1.66% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.66% above avgNationally 2.67%
Details
Peoples First Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Months
$500
4.00%
▲ 1.58% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.58% above avgNationally 2.67%
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate of Deposit 6 months
$500
4.00%
▲ 1.58% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.58% above avgNationally 2.67%
Details
FNB of Waverly
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month Special
$1,000
3.98%
▲ 1.56% above Ohio avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.56% above avgNationally 2.67%
Details
Ohio Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
SHARE CERTIFICATE SPECIAL 6 MONTH
$500
3.95%
▲ 1.53% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.53% above avgNationally 2.67%
Details
Promotional rate is accurate as of August 3, 2026. Promotional rate is excluded from the Member Appreciation Program and requires a minimum deposit of $500. The promotion is available through August 31, 2026.
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 Month CD
$500
3.92%
▲ 1.50% above Ohio avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.50% above avgNationally 2.67%
Details
Penalty will be imposed for early withdrawal.
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 months
$500
3.90%
▲ 1.48% above Ohio avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.48% above avgNationally 2.67%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
6 Month Certificate
$500
3.90%
▲ 1.48% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.48% above avgNationally 2.67%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
6 Month Term IRA
$250
3.90%
▲ 1.48% above Ohio avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.48% above avgNationally 2.67%
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
6 Month CD
$500
3.90%
▲ 1.48% above Ohio avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.48% above avgNationally 2.67%
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
6 Month
$0
3.85%
▲ 1.43% above Ohio avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.43% above avgNationally 2.67%
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 month Certificate
$500
3.85%
▲ 1.43% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.43% above avgNationally 2.67%
Details
Champion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
6 Month CD
$500
3.81%
▲ 1.39% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.39% above avgNationally 2.67%
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Months
$0
3.80%
▲ 1.38% above Ohio avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.38% above avgNationally 2.67%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 6 months
$500
3.80%
▲ 1.38% above Ohio avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.38% above avgNationally 2.67%
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
6 Months
$0
3.79%
▲ 1.37% above Ohio avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.37% above avgNationally 2.67%
Details
Ohio State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-month CD
$0
3.75%
▲ 1.33% above Ohio avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.33% above avgNationally 2.67%
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
6 Month IRA
$500
3.75%
▲ 1.33% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.33% above avgNationally 2.67%
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
6 Month
$0
3.75%
▲ 1.33% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.42%▲ 1.33% above avgNationally 2.67%
Details
Cincinnati 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
12 Months
$0
3.82%
▲ 0.75% above Ohio avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.75% above avgNationally 2.83%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Term Certificates 12 Months
$1,000
3.82%
▲ 0.75% above Ohio avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.75% above avgNationally 2.83%
Details
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7221 Montgomery Rd, Cincinnati, OH 45236
Diamond Club Certificates 1 Year
$0
3.82%
▲ 0.75% above Ohio avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.75% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
1-Year Jumbo Certificate
$0
3.80%
▲ 0.73% above Ohio avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.73% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 1-Year Jumbo Certificate
$0
3.80%
▲ 0.73% above Ohio avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.73% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
IRA Jumbo Certificate 1-Year
$0
3.80%
▲ 0.73% above Ohio avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.73% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
1-Year Certificate
$0
3.70%
▲ 0.63% above Ohio avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.63% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 1-Year Certificate
$0
3.70%
▲ 0.63% above Ohio avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.63% above avgNationally 2.83%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 1-Year Certificate
$0
3.70%
▲ 0.63% above Ohio avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.63% above avgNationally 2.83%
Details
Health Savings Account (HSA) Certificates
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
211 Northland Blvd, Cincinnati, OH 45246
Certificates 12 Months
$0
3.65%
▲ 0.58% above Ohio avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.58% above avgNationally 2.83%
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 12 Month CD
$0
3.25%
▲ 0.18% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.18% above avgNationally 2.83%
Details
TruAdvantage; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 12 Month
$0
3.25%
▲ 0.18% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.18% above avgNationally 2.83%
Details
TruAdvantage APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
12 Month
$0
3.10%
▲ 0.03% above Ohio avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.03% above avgNationally 2.83%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
12 Month Certificate
$1,000
3.10%
▲ 0.03% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.03% above avgNationally 2.83%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit 12 Month
$1,000
3.10%
▲ 0.03% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.03% above avgNationally 2.83%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 12 Month CD
$0
3.10%
▲ 0.03% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.03% above avgNationally 2.83%
Details
TruBenefits; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 12 Month
$0
3.10%
▲ 0.03% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.03% above avgNationally 2.83%
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 12 Month CD
$0
3.00%
▼ 0.07% below Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 0.07% below avgNationally 2.83%
Details
Regular; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 12 Month
$0
3.00%
▼ 0.07% below Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 0.07% below avgNationally 2.83%
Details
Regular APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 12 Month Youth Savers Certificate
$250
2.75%
▼ 0.32% below Ohio avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 0.32% below avgNationally 2.83%
Details
Deposit limits are a minimum of $250 and a maximum of $1,000 .; IRA/ESA/Certificates
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1228 Central Pkwy Ste 302, Cincinnati, OH 45202
12 Months
$0
1.51%
▼ 1.56% below Ohio avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 1.56% below avgNationally 2.83%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
12-Month IRA
$1,000
1.25%
▼ 1.82% below Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 1.82% below avgNationally 2.83%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25%
▼ 1.82% below Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 1.82% below avgNationally 2.83%
Details
All rates are Annual Percentage Yields.
Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
12-Month CD
$0
0.25%
▼ 2.82% below Ohio avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 2.82% below avgNationally 2.83%
Details
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3300 Harrison Ave, Cincinnati, OH 45211
12 Month Certificate
$500
0.25%
▼ 2.82% below Ohio avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 2.82% below avgNationally 2.83%
Details
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
26 Martin Luther King Dr W, Cincinnati, OH 45220 2242
Share Certificates 12 Months
$500
0.10%
▼ 2.97% below Ohio avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▼ 2.97% below avgNationally 2.83%
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
12 Month Youth CD
$100
5.00%
▲ 1.93% above Ohio avg
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 1.93% above avgNationally 2.83%
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1 Year Rising Rate CD
$500
4.25%
▲ 1.18% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 1.18% above avgNationally 2.83%
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12 Month Online CD
$500
4.25%
▲ 1.18% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 1.18% above avgNationally 2.83%
Details
United Midwest Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
6-12 Month CD
$0
4.25%
▲ 1.18% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 1.18% above avgNationally 2.83%
Details
Fasson Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
12 Month Maturity
$1,000
4.25%
▲ 1.18% above Ohio avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 1.18% above avgNationally 2.83%
Details
Dividends are paid at maturity. Additional deposits are not allowed. Available terms may vary. No early withdrawals without a penalty.
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 months
$500
4.15%
▲ 1.08% above Ohio avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 1.08% above avgNationally 2.83%
Details
Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
IRA Share Certificates 12 Month
$0
4.10%
▲ 1.03% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 1.03% above avgNationally 2.83%
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12 Months
$0
4.06%
▲ 0.99% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.99% above avgNationally 2.83%
Details
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12-month CD/IRA
$0
4.00%
▲ 0.93% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 27, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 6/30/2026 for a limited time. See Details.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1 Year Rising Rate CD
$500
4.00%
▲ 0.93% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
12 Month Special
$1,000
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
Renews at the 1 Year CD term and rate.
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
12 Month Special Certificate of Deposit
$1,000
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate of Deposit 12 months
$500
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 months
$0
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
Jeep Country Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.48%
12 Month Special Certificate
$1,000
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
New Money Only
Jeep Country Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.48%
IRA 12 Month Special Certificate
$1,000
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
New Money Only
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Month
$500
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Easy Save IRA Certificate 12 month
$0
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
Compounding: Quarterly
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
GenGrow 12-month CD
$0
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
New Money; CD
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 12 months
$1,000
4.00%
▲ 0.93% above Ohio avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.93% above avgNationally 2.83%
Details
Bump one time**
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
12 Month
$0
3.95%
▲ 0.88% above Ohio avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.88% above avgNationally 2.83%
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12-Month IRA Certificate
$0
3.93%
▲ 0.86% above Ohio avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.86% above avgNationally 2.83%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
12 Month Certificate
$500
3.90%
▲ 0.83% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.83% above avgNationally 2.83%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
12 Month Term IRA
$250
3.90%
▲ 0.83% above Ohio avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average3.07%▲ 0.83% above avgNationally 2.83%
Details
Cincinnati 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
18-Month Certificate
$0
4.00%
▲ 1.35% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.35% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 18-Month Certificate
$0
4.00%
▲ 1.35% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.35% above avgNationally 2.67%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 18-Month Certificate
$0
4.00%
▲ 1.35% above Ohio avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.35% above avgNationally 2.67%
Details
Health Savings Account (HSA) Certificates
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
18 Months
$0
3.76%
▲ 1.11% above Ohio avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.11% above avgNationally 2.67%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Term Certificates 18 Months
$1,000
3.76%
▲ 1.11% above Ohio avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.11% above avgNationally 2.67%
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
211 Northland Blvd, Cincinnati, OH 45246
Certificates 18 Months
$0
3.65%
▲ 1.00% above Ohio avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.00% above avgNationally 2.67%
Details
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
959 W 8th St, Cincinnati, OH 45203
18 mo.
$0
3.45%
▲ 0.80% above Ohio avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.80% above avgNationally 2.67%
Details
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
959 W 8th St, Cincinnati, OH 45203
18 mo. Certificate
$0
3.45%
▲ 0.80% above Ohio avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.80% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
18 Month
$0
3.25%
▲ 0.60% above Ohio avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.60% above avgNationally 2.67%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
18 Month Certificate
$1,000
3.25%
▲ 0.60% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.60% above avgNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit 18 Month
$1,000
3.25%
▲ 0.60% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.60% above avgNationally 2.67%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 18 Month CD
$0
3.25%
▲ 0.60% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.60% above avgNationally 2.67%
Details
TruAdvantage; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 18 Month
$0
3.25%
▲ 0.60% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.60% above avgNationally 2.67%
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 18 Month CD
$0
3.10%
▲ 0.45% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.45% above avgNationally 2.67%
Details
TruBenefits; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 18 Month
$0
3.10%
▲ 0.45% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.45% above avgNationally 2.67%
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 18 Month CD
$0
3.00%
▲ 0.35% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.35% above avgNationally 2.67%
Details
Regular; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 18 Month
$0
3.00%
▲ 0.35% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 0.35% above avgNationally 2.67%
Details
Regular APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
18-Month IRA
$1,000
2.65%
At Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%At the averageNationally 2.67%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
At Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%At the averageNationally 2.67%
Details
All rates are Annual Percentage Yields.
Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
18-Month CD
$0
0.30%
▼ 2.35% below Ohio avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▼ 2.35% below avgNationally 2.67%
Details
**
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3300 Harrison Ave, Cincinnati, OH 45211
18 Month Certificate
$500
0.30%
▼ 2.35% below Ohio avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▼ 2.35% below avgNationally 2.67%
Details
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3300 Harrison Ave, Cincinnati, OH 45211
18 Month IRA Certificate
$250
0.20%
▼ 2.45% below Ohio avg
▼
Rate0.20%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▼ 2.45% below avgNationally 2.67%
Details
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18-Month Certificate
$1,000
4.15%
▲ 1.50% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.50% above avgNationally 2.67%
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 MONTH IRA / ROTH TDOA
$0
4.00%
▲ 1.35% above Ohio avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.35% above avgNationally 2.67%
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
You Choose The Term! - 10 thru 18 Month Certificate of Deposit
$5,000
4.00%
▲ 1.35% above Ohio avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.35% above avgNationally 2.67%
Details
The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. A.P.Y. = Annual Percentage Yield. Public funds over $250,000.00 excluded from this offer. Effective Date: 8/24/2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
18 Month
$0
4.00%
▲ 1.35% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.35% above avgNationally 2.67%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 18 months
$1,000
3.95%
▲ 1.30% above Ohio avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.30% above avgNationally 2.67%
Details
Bump one time**
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
18-Month Certificate
$500
3.90%
▲ 1.25% above Ohio avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.25% above avgNationally 2.67%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 18-Month
$500
3.90%
▲ 1.25% above Ohio avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.25% above avgNationally 2.67%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificates 18-Month
$500
3.90%
▲ 1.25% above Ohio avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.25% above avgNationally 2.67%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate
$500
3.87%
▲ 1.22% above Ohio avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.22% above avgNationally 2.67%
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18 Month
$5,000
3.85%
▲ 1.20% above Ohio avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.20% above avgNationally 2.67%
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate of Deposit 18 months
$500
3.85%
▲ 1.20% above Ohio avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.20% above avgNationally 2.67%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Business 18 months
$1,000
3.85%
▲ 1.20% above Ohio avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.20% above avgNationally 2.67%
Details
Bump one time
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Certificates 18 months
$1,000
3.85%
▲ 1.20% above Ohio avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.20% above avgNationally 2.67%
Details
Bump one time**
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
18 Month Certificate
$0
3.82%
▲ 1.17% above Ohio avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.17% above avgNationally 2.67%
Details
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
18 Month
$500
3.80%
▲ 1.15% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.15% above avgNationally 2.67%
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
18 Month Certificate
$100,000
3.80%
▲ 1.15% above Ohio avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.15% above avgNationally 2.67%
Details
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Special
$0
3.75%
▲ 1.10% above Ohio avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Special CD
$0
3.75%
▲ 1.10% above Ohio avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
18 Month Jumbo Certificate
$0
3.75%
▲ 1.10% above Ohio avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
Roth IRA Certificate 18 Months
$500
3.75%
▲ 1.10% above Ohio avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
Traditional IRA Certificate 18 Months
$500
3.75%
▲ 1.10% above Ohio avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month CD
$0
3.75%
▲ 1.10% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Certificate
$0
3.75%
▲ 1.10% above Ohio avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Charm Term 18 Months
$500
3.75%
▲ 1.10% above Ohio avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
LAKEVIEW
Institution Rating:
B+4.8 ★Texas Ratio: 0.59%
18 months
$0
3.75%
▲ 1.10% above Ohio avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.10% above avgNationally 2.67%
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
18 Month CD
$500
3.72%
▲ 1.07% above Ohio avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.07% above avgNationally 2.67%
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
18 Month CD
$500
3.70%
▲ 1.05% above Ohio avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.05% above avgNationally 2.67%
Details
Penalty will be imposed for early withdrawal.
Hocking Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
18 Months
$1,000
3.70%
▲ 1.05% above Ohio avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.65%▲ 1.05% above avgNationally 2.67%
Details
Cincinnati 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
2-Year Certificate
$0
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
2-Year Jumbo Certificate
$0
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 2-Year Certificate
$0
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 2-Year Jumbo Certificate
$0
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 2-Year Certificate
$0
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
Health Savings Account (HSA) Certificates
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
IRA Jumbo Certificate 2-Year
$0
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7221 Montgomery Rd, Cincinnati, OH 45236
Diamond Club Certificates 2 Years
$0
3.76%
▲ 0.95% above Ohio avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.95% above avgNationally 2.71%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
24 Month
$0
3.75%
▲ 0.94% above Ohio avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.94% above avgNationally 2.71%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
24 Month Certificate
$1,000
3.75%
▲ 0.94% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.94% above avgNationally 2.71%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
24-Month IRA
$1,000
3.75%
▲ 0.94% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.94% above avgNationally 2.71%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit 24 Month
$1,000
3.75%
▲ 0.94% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.94% above avgNationally 2.71%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts 24-Month
$1,000
3.75%
▲ 0.94% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.94% above avgNationally 2.71%
Details
All rates are Annual Percentage Yields.
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
24 Months
$0
3.71%
▲ 0.90% above Ohio avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.90% above avgNationally 2.71%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Term Certificates 24 Months
$1,000
3.71%
▲ 0.90% above Ohio avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.90% above avgNationally 2.71%
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
211 Northland Blvd, Cincinnati, OH 45246
Certificates 24 Months
$0
3.70%
▲ 0.89% above Ohio avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.89% above avgNationally 2.71%
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 24 Month CD
$0
3.25%
▲ 0.44% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.44% above avgNationally 2.71%
Details
TruAdvantage; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 24 Month
$0
3.25%
▲ 0.44% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.44% above avgNationally 2.71%
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 24 Month CD
$0
3.10%
▲ 0.29% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.29% above avgNationally 2.71%
Details
TruBenefits; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 24 Month
$0
3.10%
▲ 0.29% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.29% above avgNationally 2.71%
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 24 Month CD
$0
3.00%
▲ 0.19% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.19% above avgNationally 2.71%
Details
Regular; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 24 Month
$0
3.00%
▲ 0.19% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.19% above avgNationally 2.71%
Details
Regular APY
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1228 Central Pkwy Ste 302, Cincinnati, OH 45202
24 Months
$0
1.71%
▼ 1.10% below Ohio avg
▼
Rate1.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▼ 1.10% below avgNationally 2.71%
Details
Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
24-Month CD
$0
0.50%
▼ 2.31% below Ohio avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▼ 2.31% below avgNationally 2.71%
Details
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3300 Harrison Ave, Cincinnati, OH 45211
24 Month Certificate
$500
0.35%
▼ 2.46% below Ohio avg
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▼ 2.46% below avgNationally 2.71%
Details
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
26 Martin Luther King Dr W, Cincinnati, OH 45220 2242
Share Certificates 24 Months
$500
0.10%
▼ 2.71% below Ohio avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▼ 2.71% below avgNationally 2.71%
Details
Peoples First Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA (Variable)
$100
4.41%
▲ 1.60% above Ohio avg
▼
Rate4.32%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.60% above avgNationally 2.71%
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
2 Year
$500
4.32%
▲ 1.51% above Ohio avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.51% above avgNationally 2.71%
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
IRA 2 Year
$500
4.32%
▲ 1.51% above Ohio avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.51% above avgNationally 2.71%
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25%
▲ 1.44% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.44% above avgNationally 2.71%
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 months
$0
4.07%
▲ 1.26% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.26% above avgNationally 2.71%
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 Months
$0
4.06%
▲ 1.25% above Ohio avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.25% above avgNationally 2.71%
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
24 Month
$0
4.05%
▲ 1.24% above Ohio avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.24% above avgNationally 2.71%
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
24 Month Special
$5,000
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 24 months
$1,000
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
Bump one time**
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Jumbo Certificates 24 months
$100,000
4.00%
▲ 1.19% above Ohio avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.19% above avgNationally 2.71%
Details
Bump one time**
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
24-Month Certificate
$500
3.90%
▲ 1.09% above Ohio avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.09% above avgNationally 2.71%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 24-Month
$500
3.90%
▲ 1.09% above Ohio avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.09% above avgNationally 2.71%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificates 24-Month
$500
3.90%
▲ 1.09% above Ohio avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.09% above avgNationally 2.71%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Business 24 months
$1,000
3.90%
▲ 1.09% above Ohio avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.09% above avgNationally 2.71%
Details
Bump one time
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Certificates 24 months
$1,000
3.90%
▲ 1.09% above Ohio avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.09% above avgNationally 2.71%
Details
Bump one time**
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate
$500
3.87%
▲ 1.06% above Ohio avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.06% above avgNationally 2.71%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Youth Certificate
$100
3.87%
▲ 1.06% above Ohio avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.06% above avgNationally 2.71%
Details
Must be under 18 years of age
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate of Deposit 24 months
$500
3.85%
▲ 1.04% above Ohio avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.04% above avgNationally 2.71%
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
24 Month Certificate
$100,000
3.85%
▲ 1.04% above Ohio avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.04% above avgNationally 2.71%
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
Educational IRA 24 Months
$500
3.85%
▲ 1.04% above Ohio avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.04% above avgNationally 2.71%
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Jumbo CD 24 Months
$250,000
3.85%
▲ 1.04% above Ohio avg
▼
Rate3.78%
Min Deposit$250,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 1.04% above avgNationally 2.71%
Details
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
24 Month
$500
3.80%
▲ 0.99% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.99% above avgNationally 2.71%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
24-Month Add-On
$500
3.80%
▲ 0.99% above Ohio avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.99% above avgNationally 2.71%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
24-Month Add-On Certificate
$500
3.80%
▲ 0.99% above Ohio avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.99% above avgNationally 2.71%
Details
Add-On
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 24-Month Add-On
$500
3.80%
▲ 0.99% above Ohio avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.81%▲ 0.99% above avgNationally 2.71%
Details
Cincinnati 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
36 Month
$0
3.75%
▲ 0.93% above Ohio avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.93% above avgNationally 2.66%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
36 Month Certificate
$1,000
3.75%
▲ 0.93% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.93% above avgNationally 2.66%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
36-Month IRA
$1,000
3.75%
▲ 0.93% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.93% above avgNationally 2.66%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit 36 Month
$1,000
3.75%
▲ 0.93% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.93% above avgNationally 2.66%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts 36-Month
$1,000
3.75%
▲ 0.93% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.93% above avgNationally 2.66%
Details
All rates are Annual Percentage Yields.
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7221 Montgomery Rd, Cincinnati, OH 45236
Diamond Club Certificates 3 Years
$0
3.71%
▲ 0.89% above Ohio avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.89% above avgNationally 2.66%
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
211 Northland Blvd, Cincinnati, OH 45246
Certificates 36 Months
$0
3.70%
▲ 0.88% above Ohio avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.88% above avgNationally 2.66%
Details
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
10300 Alliance Rd, Cincinnati, OH 45242
36 Month term
$0
3.50%
▲ 0.68% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.68% above avgNationally 2.66%
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 36 Month CD
$0
3.25%
▲ 0.43% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.43% above avgNationally 2.66%
Details
TruAdvantage; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 36 Month
$0
3.25%
▲ 0.43% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.43% above avgNationally 2.66%
Details
TruAdvantage APY
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
3-Year Certificate
$0
3.15%
▲ 0.33% above Ohio avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.33% above avgNationally 2.66%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 3-Year Certificate
$0
3.15%
▲ 0.33% above Ohio avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.33% above avgNationally 2.66%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
HSA 3-Year Certificate
$0
3.15%
▲ 0.33% above Ohio avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.33% above avgNationally 2.66%
Details
Health Savings Account (HSA) Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 36 Month CD
$0
3.10%
▲ 0.28% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.28% above avgNationally 2.66%
Details
TruBenefits; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 36 Month
$0
3.10%
▲ 0.28% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.28% above avgNationally 2.66%
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 36 Month CD
$0
3.00%
▲ 0.18% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.18% above avgNationally 2.66%
Details
Regular; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 36 Month
$0
3.00%
▲ 0.18% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.18% above avgNationally 2.66%
Details
Regular APY
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
3-Year Bump Certificate
$0
2.80%
▼ 0.02% below Ohio avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▼ 0.02% below avgNationally 2.66%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
3-Year IRA/HSA Bump Certificate
$0
2.80%
▼ 0.02% below Ohio avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▼ 0.02% below avgNationally 2.66%
Details
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1228 Central Pkwy Ste 302, Cincinnati, OH 45202
36 Months
$0
1.91%
▼ 0.91% below Ohio avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▼ 0.91% below avgNationally 2.66%
Details
Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
36-Month CD
$0
0.40%
▼ 2.42% below Ohio avg
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▼ 2.42% below avgNationally 2.66%
Details
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3300 Harrison Ave, Cincinnati, OH 45211
36 Month Certificate
$500
0.40%
▼ 2.42% below Ohio avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▼ 2.42% below avgNationally 2.66%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
36 Months
$0
0.25%
▼ 2.57% below Ohio avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▼ 2.57% below avgNationally 2.66%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Term Certificates 36 Months
$1,000
0.25%
▼ 2.57% below Ohio avg
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▼ 2.57% below avgNationally 2.66%
Details
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
26 Martin Luther King Dr W, Cincinnati, OH 45220 2242
Share Certificates 36 Months
$500
0.10%
▼ 2.72% below Ohio avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▼ 2.72% below avgNationally 2.66%
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
36 Month Bonus CD
$500
4.25%
▲ 1.43% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.43% above avgNationally 2.66%
Details
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
36 Month Jumbo Certificate
$0
4.25%
▲ 1.43% above Ohio avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.43% above avgNationally 2.66%
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
36 Month
$0
4.16%
▲ 1.34% above Ohio avg
▼
Rate4.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.34% above avgNationally 2.66%
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
36 Month Freedom
$0
4.16%
▲ 1.34% above Ohio avg
▼
Rate4.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.34% above avgNationally 2.66%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 36 months
$1,000
4.05%
▲ 1.23% above Ohio avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.23% above avgNationally 2.66%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Jumbo Certificates 36 months
$100,000
4.05%
▲ 1.23% above Ohio avg
▼
Rate3.98%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.23% above avgNationally 2.66%
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3 Year Rising Rate CD
$500
4.00%
▲ 1.18% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.18% above avgNationally 2.66%
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
36 Month
$5,000
4.00%
▲ 1.18% above Ohio avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.18% above avgNationally 2.66%
Details
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
36 Month
$500
4.00%
▲ 1.18% above Ohio avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.18% above avgNationally 2.66%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
36-Month Certificate
$1,000
3.95%
▲ 1.13% above Ohio avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.13% above avgNationally 2.66%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 36-Month
$1,000
3.95%
▲ 1.13% above Ohio avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.13% above avgNationally 2.66%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificates 36-Month
$1,000
3.95%
▲ 1.13% above Ohio avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.13% above avgNationally 2.66%
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
Educational IRA 36 Months
$500
3.95%
▲ 1.13% above Ohio avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.13% above avgNationally 2.66%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Business 36 months
$1,000
3.95%
▲ 1.13% above Ohio avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.13% above avgNationally 2.66%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Certificates 36 months
$1,000
3.95%
▲ 1.13% above Ohio avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.13% above avgNationally 2.66%
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
36 Month Certificate
$100,000
3.90%
▲ 1.08% above Ohio avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.08% above avgNationally 2.66%
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
36 Month CD
$500
3.90%
▲ 1.08% above Ohio avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.08% above avgNationally 2.66%
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
36 Month IRA
$1,000
3.90%
▲ 1.08% above Ohio avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.08% above avgNationally 2.66%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Certificate
$500
3.87%
▲ 1.05% above Ohio avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.05% above avgNationally 2.66%
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
36 Months
$0
3.85%
▲ 1.03% above Ohio avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.03% above avgNationally 2.66%
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Charm Term 36 Months
$500
3.85%
▲ 1.03% above Ohio avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 1.03% above avgNationally 2.66%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
36 Month Certificate
$500
3.80%
▲ 0.98% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.98% above avgNationally 2.66%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
36 Month Term IRA
$250
3.80%
▲ 0.98% above Ohio avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.98% above avgNationally 2.66%
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
36 Month Certificate
$500
3.80%
▲ 0.98% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.98% above avgNationally 2.66%
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
36-Month IRA Certificate
$0
3.80%
▲ 0.98% above Ohio avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.82%▲ 0.98% above avgNationally 2.66%
Details
Cincinnati 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
48 Month
$0
3.75%
▲ 1.07% above Ohio avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
48 Month Certificate
$1,000
3.75%
▲ 1.07% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
48-Month IRA
$1,000
3.75%
▲ 1.07% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit 48 Month
$1,000
3.75%
▲ 1.07% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts 48-Month
$1,000
3.75%
▲ 1.07% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
All rates are Annual Percentage Yields.
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
211 Northland Blvd, Cincinnati, OH 45246
Certificates 48 Months
$0
3.75%
▲ 1.07% above Ohio avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 48 Month CD
$0
3.50%
▲ 0.82% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 0.82% above avgNationally 2.65%
Details
TruAdvantage; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 48 Month
$0
3.50%
▲ 0.82% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 0.82% above avgNationally 2.65%
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 48 Month CD
$0
3.35%
▲ 0.67% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 0.67% above avgNationally 2.65%
Details
TruBenefits; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 48 Month
$0
3.35%
▲ 0.67% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 0.67% above avgNationally 2.65%
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 48 Month CD
$0
3.25%
▲ 0.57% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 0.57% above avgNationally 2.65%
Details
Regular; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 48 Month
$0
3.25%
▲ 0.57% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 0.57% above avgNationally 2.65%
Details
Regular APY
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7221 Montgomery Rd, Cincinnati, OH 45236
4 Years
$0
3.20%
▲ 0.52% above Ohio avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 0.52% above avgNationally 2.65%
Details
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1228 Central Pkwy Ste 302, Cincinnati, OH 45202
48 Months
$0
2.12%
▼ 0.56% below Ohio avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▼ 0.56% below avgNationally 2.65%
Details
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3300 Harrison Ave, Cincinnati, OH 45211
48 Month Certificate
$500
0.50%
▼ 2.18% below Ohio avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▼ 2.18% below avgNationally 2.65%
Details
Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
48-Month CD
$0
0.45%
▼ 2.23% below Ohio avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▼ 2.23% below avgNationally 2.65%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
48 Months
$0
0.35%
▼ 2.33% below Ohio avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▼ 2.33% below avgNationally 2.65%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Term Certificates 48 Months
$1,000
0.35%
▼ 2.33% below Ohio avg
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▼ 2.33% below avgNationally 2.65%
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
48 Month
$0
4.21%
▲ 1.53% above Ohio avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.53% above avgNationally 2.65%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 48 months
$1,000
4.10%
▲ 1.42% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.42% above avgNationally 2.65%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Jumbo Certificates 48 months
$100,000
4.10%
▲ 1.42% above Ohio avg
▼
Rate4.02%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.42% above avgNationally 2.65%
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
48 Month
$5,000
4.00%
▲ 1.32% above Ohio avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.32% above avgNationally 2.65%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
48-Month Certificate
$1,000
4.00%
▲ 1.32% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.32% above avgNationally 2.65%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 48-Month
$1,000
4.00%
▲ 1.32% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.32% above avgNationally 2.65%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificates 48-Month
$1,000
4.00%
▲ 1.32% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.32% above avgNationally 2.65%
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
Educational IRA 48 Months
$500
4.00%
▲ 1.32% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.32% above avgNationally 2.65%
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Charm Term 48 Months
$500
4.00%
▲ 1.32% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.32% above avgNationally 2.65%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Business 48 months
$1,000
4.00%
▲ 1.32% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.32% above avgNationally 2.65%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Certificates 48 months
$1,000
4.00%
▲ 1.32% above Ohio avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.32% above avgNationally 2.65%
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
48 Month Certificate
$100,000
3.95%
▲ 1.27% above Ohio avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.27% above avgNationally 2.65%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate
$500
3.92%
▲ 1.24% above Ohio avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.24% above avgNationally 2.65%
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
48 Months
$0
3.90%
▲ 1.22% above Ohio avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.22% above avgNationally 2.65%
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
48 Month CD
$500
3.90%
▲ 1.22% above Ohio avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.22% above avgNationally 2.65%
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
48 Month IRA
$1,000
3.90%
▲ 1.22% above Ohio avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.22% above avgNationally 2.65%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
48 Month Certificate
$500
3.85%
▲ 1.17% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.17% above avgNationally 2.65%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
48 Month Term IRA
$250
3.85%
▲ 1.17% above Ohio avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.17% above avgNationally 2.65%
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
48 Month Certificate
$500
3.85%
▲ 1.17% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.17% above avgNationally 2.65%
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate
$0
3.85%
▲ 1.17% above Ohio avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.17% above avgNationally 2.65%
Details
LAKEVIEW
Institution Rating:
B+4.8 ★Texas Ratio: 0.59%
48 months
$0
3.85%
▲ 1.17% above Ohio avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.17% above avgNationally 2.65%
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
48-Month IRA Certificate
$0
3.80%
▲ 1.12% above Ohio avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.12% above avgNationally 2.65%
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
48 Month Certificate/IRA
$0
3.80%
▲ 1.12% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.12% above avgNationally 2.65%
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
4 Year
$500
3.80%
▲ 1.12% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.12% above avgNationally 2.65%
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
IRA 4 Year
$500
3.80%
▲ 1.12% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.12% above avgNationally 2.65%
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
48 Month Fixed IRA
$0
3.75%
▲ 1.07% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
48 Month Term Share Certificate
$0
3.75%
▲ 1.07% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
48 Month
$500
3.75%
▲ 1.07% above Ohio avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$500
3.75%
▲ 1.07% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 48 Month Certificate of Deposit
$0
3.75%
▲ 1.07% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
Traditional, Roth, Educational
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate
$0
3.75%
▲ 1.07% above Ohio avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.07% above avgNationally 2.65%
Details
Universal 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
48 Months
$0
3.71%
▲ 1.03% above Ohio avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.68%▲ 1.03% above avgNationally 2.65%
Details
Cincinnati 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
211 Northland Blvd, Cincinnati, OH 45246
Certificates 60 Months
$0
3.80%
▲ 1.01% above Ohio avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.01% above avgNationally 2.76%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
60 Month
$0
3.75%
▲ 0.96% above Ohio avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.96% above avgNationally 2.76%
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
60 Month Certificate
$1,000
3.75%
▲ 0.96% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.96% above avgNationally 2.76%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
60-Month IRA
$1,000
3.75%
▲ 0.96% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.96% above avgNationally 2.76%
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
Certificates of Deposit 60 Month
$1,000
3.75%
▲ 0.96% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.96% above avgNationally 2.76%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8050 Hosbrook Rd, Cincinnati, OH 45236
IRA - Individual Retirement Accounts 60-Month
$1,000
3.75%
▲ 0.96% above Ohio avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.96% above avgNationally 2.76%
Details
All rates are Annual Percentage Yields.
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7221 Montgomery Rd, Cincinnati, OH 45236
Diamond Club Certificates 5 Years
$0
3.71%
▲ 0.92% above Ohio avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.92% above avgNationally 2.76%
Details
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
10300 Alliance Rd, Cincinnati, OH 45242
60 Month term
$0
3.50%
▲ 0.71% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.71% above avgNationally 2.76%
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 60 Month CD
$0
3.50%
▲ 0.71% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.71% above avgNationally 2.76%
Details
TruAdvantage; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 60 Month
$0
3.50%
▲ 0.71% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.71% above avgNationally 2.76%
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 60 Month CD
$0
3.35%
▲ 0.56% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.56% above avgNationally 2.76%
Details
TruBenefits; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 60 Month
$0
3.35%
▲ 0.56% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.56% above avgNationally 2.76%
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
ESA 60 Month CD
$0
3.25%
▲ 0.46% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.46% above avgNationally 2.76%
Details
Regular; IRA/ESA/Certificates
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1800 Vine St, Cincinnati, OH 45202
IRA/ESA Share Certificates 60 Month
$0
3.25%
▲ 0.46% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.46% above avgNationally 2.76%
Details
Regular APY
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
5-Year Certificate
$0
3.05%
▲ 0.26% above Ohio avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.26% above avgNationally 2.76%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
Business 5-Year Certificate
$0
3.05%
▲ 0.26% above Ohio avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 0.26% above avgNationally 2.76%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
5-Year Bump Certificate
$0
2.70%
▼ 0.09% below Ohio avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▼ 0.09% below avgNationally 2.76%
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
10485 Reading Rd, Cincinnati, OH 45241 2523
5-Year IRA Bump Certificate
$0
2.70%
▼ 0.09% below Ohio avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▼ 0.09% below avgNationally 2.76%
Details
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1228 Central Pkwy Ste 302, Cincinnati, OH 45202
60 Months
$0
2.52%
▼ 0.27% below Ohio avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▼ 0.27% below avgNationally 2.76%
Details
Warsaw Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
3533 Warsaw Ave, Cincinnati, OH 45205
60-Month CD
$0
0.65%
▼ 2.14% below Ohio avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▼ 2.14% below avgNationally 2.76%
Details
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3300 Harrison Ave, Cincinnati, OH 45211
60 Month Certificate
$500
0.65%
▼ 2.14% below Ohio avg
▼
Rate0.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▼ 2.14% below avgNationally 2.76%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
60 Months
$0
0.35%
▼ 2.44% below Ohio avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▼ 2.44% below avgNationally 2.76%
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6195 Cheviot Rd, Cincinnati, OH 45247 6120
IRA Term Certificates 60 Months
$1,000
0.35%
▼ 2.44% below Ohio avg
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▼ 2.44% below avgNationally 2.76%
Details
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
26 Martin Luther King Dr W, Cincinnati, OH 45220 2242
Share Certificates 60 Months
$500
0.10%
▼ 2.69% below Ohio avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▼ 2.69% below avgNationally 2.76%
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
60 Month
$0
4.21%
▲ 1.42% above Ohio avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.42% above avgNationally 2.76%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 60 months
$1,000
4.20%
▲ 1.41% above Ohio avg
▼
Rate4.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.41% above avgNationally 2.76%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Jumbo Certificates 60 months
$100,000
4.20%
▲ 1.41% above Ohio avg
▼
Rate4.12%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.41% above avgNationally 2.76%
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
IRA Share Certificate (5 Year)
$0
4.11%
▲ 1.32% above Ohio avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.32% above avgNationally 2.76%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Business 60 months
$1,000
4.10%
▲ 1.31% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.31% above avgNationally 2.76%
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Certificates 60 months
$1,000
4.10%
▲ 1.31% above Ohio avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.31% above avgNationally 2.76%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
60-Month Certificate
$1,000
4.05%
▲ 1.26% above Ohio avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.26% above avgNationally 2.76%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 60-Month
$1,000
4.05%
▲ 1.26% above Ohio avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.26% above avgNationally 2.76%
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificates 60-Month
$1,000
4.05%
▲ 1.26% above Ohio avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.26% above avgNationally 2.76%
Details
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
60 Month Jumbo Certificate
$0
4.05%
▲ 1.26% above Ohio avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.26% above avgNationally 2.76%
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
LAKEVIEW
Institution Rating:
B+4.8 ★Texas Ratio: 0.59%
60 months
$0
4.05%
▲ 1.26% above Ohio avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.26% above avgNationally 2.76%
Details
LAKEVIEW
Institution Rating:
B+4.8 ★Texas Ratio: 0.59%
Share Certificate 60 Month
$0
4.05%
▲ 1.26% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.26% above avgNationally 2.76%
Details
Annual Percentage Yield. The minimum balance required to open and maintain this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. There is a penalty for early withdrawal and the yield, terms, and conditions are subject to change without notice. The annual percentage yield is accurate as of July 30, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60 Month Bonus CD
$500
4.00%
▲ 1.21% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.76%
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month
$5,000
4.00%
▲ 1.21% above Ohio avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.76%
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month
$500
4.00%
▲ 1.21% above Ohio avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.76%
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Charm Term 60 Months
$500
4.00%
▲ 1.21% above Ohio avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.21% above avgNationally 2.76%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Certificate
$500
3.97%
▲ 1.18% above Ohio avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.18% above avgNationally 2.76%
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
60 Month Certificate
$500
3.90%
▲ 1.11% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.11% above avgNationally 2.76%
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
60 Months
$0
3.90%
▲ 1.11% above Ohio avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.11% above avgNationally 2.76%
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
60 Month Certificate/IRA
$0
3.85%
▲ 1.06% above Ohio avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.06% above avgNationally 2.76%
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Certificate
$0
3.85%
▲ 1.06% above Ohio avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.06% above avgNationally 2.76%
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
60 Months
$0
3.82%
▲ 1.03% above Ohio avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.03% above avgNationally 2.76%
Details
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
60 Month
$500
3.80%
▲ 1.01% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.01% above avgNationally 2.76%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
60 Month Certificate
$500
3.80%
▲ 1.01% above Ohio avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.01% above avgNationally 2.76%
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
60 Month Term IRA
$250
3.80%
▲ 1.01% above Ohio avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.01% above avgNationally 2.76%
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
5 Year
$500
3.80%
▲ 1.01% above Ohio avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Ohio Average2.79%▲ 1.01% above avgNationally 2.76%
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Cincinnati, OH CD Rate Trends
Compare local Cincinnati, OH CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — OH Avg
3.072%
▲ 0.070 vs 7 days ago
Ohio 12-month CD rates rose 0.070 points over the past 7 days to 3.072% APY.
6-Month CD — OH Avg
2.419%
▲ 0.022 vs 7 days ago
Ohio 6-month CD rates rose 0.022 points over the past 7 days to 2.419% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OH CD Rate Forecast — Next 12 Months
Where are Ohio CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OH 12-Month Avg APY
3.072%
6-Month Forecast
3.072%
Range: 2.87% – 3.22%
12-Month Forecast
2.822%
Range: 2.62% – 2.97%
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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 | 1.457% | $72.83 | $145.65 | $364.13 | $728.25 |
| 6-Month CD | 2.419% | $120.93 | $241.85 | $604.63 | $1,209.25 |
| 12-Month CD | 3.072% | $153.61 | $307.22 | $768.05 | $1,536.10 |
| 18-Month CD | 2.645% | $132.27 | $264.54 | $661.35 | $1,322.70 |
| 24-Month CD | 2.811% | $140.56 | $281.11 | $702.78 | $1,405.55 |
| 36-Month CD | 2.821% | $141.04 | $282.07 | $705.18 | $1,410.35 |
| 48-Month CD | 2.680% | $133.99 | $267.98 | $669.95 | $1,339.90 |
| 60-Month CD | 2.792% | $139.62 | $279.23 | $698.08 | $1,396.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Cincinnati, Ohio Savers
$25,000 split equally across 5 terms using today’s Ohio average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.457% | $72.83 |
| 2 | 6-Month CD | $5,000 | 2.419% | $120.93 |
| 3 | 12-Month CD | $5,000 | 3.072% | $153.61 |
| 4 | 24-Month CD | $5,000 | 2.811% | $140.56 |
| 5 | 36-Month CD | $5,000 | 2.821% | $141.04 |
| Total ($25,000 invested) | $25,000 | 2.516% blended | $628.97/yr | |
Ladder example uses equal $5,000 rungs and Ohio average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,238
CD Rates
Tracked in Cincinnati, Ohio
Tracked in Cincinnati, Ohio
45 Banks
79 Credit Unions
About Our Cincinnati, Ohio CD Rate Database
MonitorBankRates tracks 1,238 CD rates from 45 banks and 79 credit unions with locations in Cincinnati, Ohio, plus national online institutions available to Ohio residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: General Electric Credit Union offers a CD at 4.99% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Cincinnati, Ohio.
How to Find the Best CD Rates in Cincinnati, Ohio
What to compare when shopping for a CD in Cincinnati, Ohio
To find the best APYs in Cincinnati, Ohio, start with credit unions and online-only banks — Cincinnati, Ohio has 79 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 Cincinnati, 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 Cincinnati, Ohio — 124 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Cincinnati, 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 Cincinnati, Ohio money market rates
Cincinnati, Ohio Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.5%
National avg: 17.3%
Median Individual Earnings
$37,395
National avg: $47,340
Poverty Rate
25.5%
National avg: 11.1%
Unemployment Rate
6.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At OH 12-mo avg 3.072% APY
13.5% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s OH 12-month CD average of 3.072%, saving 10% of the local median salary ($3,739/year) and putting it in a CD would earn an additional $115 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 Cincinnati, Ohio
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Cincinnati, 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 Cincinnati, 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 Cincinnati, Ohio as everywhere in the U.S.
Choosing a CD Term in Cincinnati, 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 Cincinnati, Ohio savers easier access to their funds. For example, General Electric Credit Union is offering its 6-month intro at 4.99% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Kemba Credit Union is offering its Certificates 60 Months at 3.80% 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, Ohio
Most CDs carry a fixed rate that is locked for the entire term, protecting a Cincinnati, 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 Cincinnati, Ohio
Are CD rates in Cincinnati, Ohio FDIC insured?
Yes, most established banks in Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, Ohio?
Here are recent top rates found for this area:
- General Electric Credit Union: 4.99% APY (6-month intro)
- Republic Bank & Trust Company: 3.90% APY (6 Month CD)
- St James Parish Credit Union: 3.82% APY (12 Months)
- Greater Cincinnati School Credit Union: 3.82% APY (Diamond Club Certificates 1 Year)
- Kemba Credit Union: 3.80% APY (Certificates 60 Months)
- CF Bank: 3.50% APY (36 Month term)
- TruPartner Credit Union: 3.50% APY (ESA 48 Month CD)
- CINCINNATI OHIO POLICE: 3.50% APY (6 mo.)
- Heritage Bank, Inc.: 3.00% APY (3 Months)
- Local Union 392 Federal Credit Union: 2.52% APY (60 Months)
Rates reflect recent verified offers available in Cincinnati, Ohio. Last Updated: August 28, 2026
Cincinnati, 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 Cincinnati, Ohio rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Cincinnati, Ohio
Cincinnati, Ohio CD Calculator
At today’s OH top rate of 4.99% APY, a $10,000 deposit earns $499 in the first year. Enter your amount to see your exact return.
Cincinnati, Ohio CD LadderOH CD rates currently range from 1.457% (3-month) to 2.821% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Cincinnati, Ohio CD at 4.99% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsOhio’s average 12-month CD is 3.072% 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, 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: August 28, 2026
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