Columbus, Ohio Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Columbus, Ohio CD rates include First Bank of Central OhioFirst Bank of Central Ohio1760 W Lane Ave, Columbus, OH 43221A5.0 ★Texas Ratio: 11.67%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month Certificate at 4.30% APY, United Midwest Savings BankUnited Midwest Savings Bank4848 Reed Rd, Columbus, OH 43220A+5.0 ★Texas Ratio: 5.60%Real return: +1.45%APY minus CPI (February 2026) offering 6-12 Month CD at 4.25% APY, Telhio Credit UnionTelhio Credit Union330 Rush Aly Ste 500, Columbus, OH 43215 3931A5.0 ★Texas Ratio: 13.94%Real return: +1.20%APY minus CPI (February 2026) offering 60 Months CD at 4.00% APY, Pathways Financial Credit UnionPathways Financial Credit Union5665 N Hamilton Rd, Columbus, OH 43230A+5.0 ★Texas Ratio: 5.14%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Certificate at 4.00% APY, and First Federal S&L Newark, OHFirst Federal S&L Newark, OH1050 Beecher Xing N, Columbus, OH 43230A5.0 ★Texas Ratio: 6.79%Real return: +1.20%APY minus CPI (February 2026) offering 18 Month CD at 4.00% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Columbus has 123 local institutions in our database, with CD rates as high as 4.30% APY from First Bank of Central Ohio at 1760 W Lane Ave, Columbus, OH 43221. 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 9, 2026
Compare Best CD Rates in Columbus, Ohio & the Surrounding Area
Columbus 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
3 Month Certificate
$500
3.50%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.51% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
3 Month Term IRA
$250
3.50%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.51% above avg
Details
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
152 E Broad St, Columbus, OH 43215
Regular Certificates & IRAs - 3 months
$500
3.25%
▲ 1.26% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
3 Month Term IRA
$250
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.01% above avg
Details
Everyday APY
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
363 E Town St, COLUMBUS, OH 43215 4774
3 Month Regular Certificate
$0
2.50%
▲ 0.51% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.51% above avg
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
3 Month Share Certificate
$500
2.39%
▲ 0.40% above national avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.40% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
3 Month CD
$500
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.01% above avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
3 Month CD
$500
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32%
▲ 2.33% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 2.33% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Certificate
$500
3.85%
▲ 1.86% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.86% above avg
Details
Early withdrawals subject to penalty*
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates 3 Months
$0
3.65%
▲ 1.66% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.66% above avg
Details
Unified Bank Martins Ferry, OH
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
3 Month CD
$1,000
3.61%
▲ 1.62% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.62% above avg
Details
APYs are accurate as of 7/01/26. Penalty may be imposed for early withdrawal. All rates are subject to change without notice.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3-Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Business 3-Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
HSA 3-Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
Health Savings Account (HSA) Certificates
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Certificate
$500
3.50%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▲ 1.51% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Certificate
$0
3.50%
▲ 1.51% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.51% above avg
Details
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3-MONTH CD
$0
3.46%
▲ 1.47% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.47% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
90 Day Certificate
$500
3.45%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.46% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Certificate
$5,000
3.35%
▲ 1.36% above national avg
▼
Rate3.31%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.36% above avg
Details
Compounding Frequency: Simple
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
90 Day CD
$500
3.35%
▲ 1.36% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.36% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Certificate
$0
3.29%
▲ 1.30% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.30% above avg
Details
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month CD
$1,000
3.25%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.26% above avg
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
3 Month IRA/ESA Share Certificate
$0
3.25%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
TruAdvantage APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA/ESA/Certificates 3 Month
$0
3.25%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
TruAdvantage APY*
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
3 mo.
$0
3.25%
▲ 1.26% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
3 Month Certificate
$0
3.25%
▲ 1.26% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
3 Month IRA/ESA Share Certificate
$0
3.10%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.11% above avg
Details
TruBenefits APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA/ESA/Certificates 3 Month
$0
3.10%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.11% above avg
Details
TruBenefits APY*
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate Account
$500
3.04%
▲ 1.05% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.05% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month Term Share Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.01% above avg
Details
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
3 Month IRA/ESA Share Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.01% above avg
Details
Regular APY
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA/ESA/Certificates 3 Month
$0
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.01% above avg
Details
Regular APY*
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3 Month Certificate
$500
2.89%
▲ 0.90% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.90% above avg
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Certificates - 3 Months
$250
2.78%
▲ 0.79% above national avg
▼
Rate2.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.79% above avg
Details
Balance: $250 - $10,000.00
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$500
2.15%
▲ 0.16% above national avg
▼
Rate2.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 0.16% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3 Month Certificate
$500
2.02%
▲ 0.03% above national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.03% above avg
Details
Three Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
3 Month
$0
2.00%
▲ 0.01% above national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.01% above avg
Details
VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal.
Hancock Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Certificate
$0
1.50%
▼ 0.49% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.49% below avg
Details
Columbus 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
6 Month Certificate
$500
3.90%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
6 Month Term IRA
$250
3.90%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1760 W Lane Ave, Columbus, OH 43221
6 Month Certificate
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.23% above avg
Details
Penalty: 90 days; Frequency of Compounding: Daily
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
6 Month CD
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
6 Month Certificate
$100,000
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
6 Month Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
363 E Town St, COLUMBUS, OH 43215 4774
6 Month Regular Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
6 Month Certificate
$500
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.88% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
6 Month Term IRA
$250
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Everyday APY
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
6 Months CD
$500
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.63% above avg
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
6 Month Share Certificate
$500
3.29%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.62% above avg
Details
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
152 E Broad St, Columbus, OH 43215
Regular Certificates & IRAs - 6 months
$500
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
6 Month Share Certificate
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.58% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
6 Month CD
$500
2.25%
▼ 0.42% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.42% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
6-month intro
$0
4.99%
▲ 2.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 2.32% above avg
Details
Introductory rate
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Bonus CD
$500
4.75%
▲ 2.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 2.08% above avg
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
6-Month
$0
4.13%
▲ 1.46% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.46% above avg
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6 Month Certificate ESA
$0
4.08%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.41% above avg
Details
DoverPhila Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6 Month Certificate IRA
$0
4.08%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.41% above avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04%
▲ 1.37% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.37% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6 Month Certificate
$500
4.02%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.35% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate of Deposit 6 months
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
6 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.33% above avg
Details
FNB of Waverly
Institution Rating:
B+4.7 ★Texas Ratio: 18.82%
6 Month Certificate Special
$1,000
3.98%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.31% above avg
Details
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$500
3.92%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.25% above avg
Details
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.23% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6 Month CD
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.23% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit 6 Month
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details
Monroe Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
6 Month Special Certificate of Deposit
$1,000
3.87%
▲ 1.20% above national avg
▼
Rate3.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.20% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
6 Month
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6 Month Certificate
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Certificate
$500
3.85%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.18% above avg
Details
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Month CD
$500
3.82%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.15% above avg
Details
Champion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.74%
6 Month CD
$500
3.81%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.14% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Certificate
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates 6 months
$500
3.80%
▲ 1.13% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.12% above avg
Details
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month IRA
$500
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
6 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Ohio State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6-month CD
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.08% above avg
Details
Community Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
6 Month Certificate
$500
3.74%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.07% above avg
Details
Early withdrawals subject to penalty*
First National Bank in New Bremen
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
6 Month CD
$2,500
3.71%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.04% above avg
Details
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
6 Month
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Traditional IRA Certificate 6 Months
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Cardinal Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 5.28%
6 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
6 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
6 Month Certificate
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Business 6 months
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Columbus 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1760 W Lane Ave, Columbus, OH 43221
12 Month Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.46% above avg
Details
Penalty: 90 days; Frequency of Compounding: Daily
United Midwest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
4848 Reed Rd, Columbus, OH 43220
6-12 Month CD
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.41% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
12 Month Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.06% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
12 Month Term IRA
$250
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.06% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
12 Month Certificate
$100,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.91% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
12 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.91% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
12 Month CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
363 E Town St, COLUMBUS, OH 43215 4774
12 Month Regular Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.81% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
12 Month Certificate
$500
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.81% above avg
Details
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1050 Beecher Xing N, Columbus, OH 43230
12 Month CD
$500
3.59%
▲ 0.75% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.75% above avg
Details
Minimum additions of $250.00 or more permitted.
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
12 Months CD
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.71% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
12 Month Term IRA
$250
3.40%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.56% above avg
Details
Everyday APY
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
12 Month Share Certificate
$500
3.38%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.54% above avg
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
12 Month Share Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.46% above avg
Details
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
152 E Broad St, Columbus, OH 43215
Regular Certificates & IRAs - 12 months
$500
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.36% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
1 Year CD
$500
2.00%
▼ 0.84% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.84% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
12 Month KidCents CD
$250
0.60%
▼ 2.24% below national avg
▼
Rate0.60%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.24% below avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
12 Month Youth CD
$100
5.00%
▲ 2.16% above national avg
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 2.16% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1 Year Certificate
$500
4.31%
▲ 1.47% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.47% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1 Year IRA
$500
4.31%
▲ 1.47% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.47% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$500
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.41% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
12 Month Online CD
$500
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.41% above avg
Details
Fasson Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Maturity
$1,000
4.25%
▲ 1.41% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.41% above avg
Details
Dividends are paid at maturity. Additional deposits are not allowed. Available terms may vary. No early withdrawals without a penalty.
Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
12 Month Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
Towpath Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
IRA Share Certificate 12 Month
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12-Month IRA
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.24% above avg
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Months
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.22% above avg
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
12 Month Certificate
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.22% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate of Deposit 12 months
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
Jeep Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
12 Month Special Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
New Money Only
Jeep Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
IRA 12 Month Special Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
New Money Only
OUCU Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Easy Save IRA Certificate 12 month
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
Compounding: Quarterly
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
NEW MONEY GenGrow 12-month CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates 12 months
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details
Bump one time**
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.16% above avg
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 months
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.16% above avg
Details
Community Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Certificates of Deposit - 12 Month
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
12 Month
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.11% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12 Month Certificate
$0
3.93%
▲ 1.09% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.09% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
IRA Certificate 12-Month
$0
3.93%
▲ 1.09% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.09% above avg
Details
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
$50,000+
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
Jumbo CD 12 Months
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
12-Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.01% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 12-Month
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.01% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates 12-Month
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.01% above avg
Details
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
12 Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.01% above avg
Details
SPECIAL
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
12 Month IRA Certificate SPECIAL
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.01% above avg
Details
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12-Month
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.98% above avg
Details
Columbus 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1050 Beecher Xing N, Columbus, OH 43230
18 Month CD
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.33% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$100,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
150 E Mound St, Columbus, OH 43215
18-month bump SHARE CERTIFICATES & IRA CERTIFICATES
$500
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details
Bump
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
18 Months CD
$500
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.93% above avg
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
150 E Mound St, Columbus, OH 43215
18-month bump SHARE CERTIFICATES & IRA CERTIFICATES
$500
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details
Bump
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
363 E Town St, COLUMBUS, OH 43215 4774
18 Month Regular Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
18 Month Share Certificate
$500
3.38%
▲ 0.71% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.71% above avg
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
18 Month Share Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.63% above avg
Details
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1050 Beecher Xing N, Columbus, OH 43230
18 Month Flexible IRA
$1
3.29%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$1
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.62% above avg
Details
A penalty may be imposed for early withdrawal. Any fees on this account may reduce the earnings on this account. Refer to your Truth in Savings Disclosure for specific account information.
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1050 Beecher Xing N, Columbus, OH 43230
18 Month Fixed IRA
$1
3.25%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$1
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.58% above avg
Details
A penalty may be imposed for early withdrawal. Any fees on this account may reduce the earnings on this account. Refer to your Truth in Savings Disclosure for specific account information.
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1760 W Lane Ave, Columbus, OH 43221
18 Month Certificate
$500
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.58% above avg
Details
Penalty: 180 days; Frequency of Compounding: Daily
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
152 E Broad St, Columbus, OH 43215
Regular Certificates & IRAs - 18 months
$500
3.20%
▲ 0.53% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.53% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
18 Month Special
$500
3.10%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.43% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
18 Month Variable
$100
0.65%
▼ 2.02% below national avg
▼
Rate0.65%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.02% below avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
18 Month CD
$500
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.07% below avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
18 Month Fixed
$500
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.07% below avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Certificate
$500
4.31%
▲ 1.64% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.64% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18-Month Certificate
$1,000
4.15%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.48% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
18 Month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
18-Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Business 18-Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
HSA 18-Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
Health Savings Account (HSA) Certificates
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
10 thru 18 Month Certificate of Deposit
$5,000
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.33% above avg
Details
Public funds over $250,000.00 excluded from this offer. Effective Date: 9/7/2026. Age 18 and under may open with $500.
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
18 MONTH IRA / ROTH TDOA
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.33% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates 18 months
$1,000
3.95%
▲ 1.28% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.28% above avg
Details
Bump one time**
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18-Month Certificate
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 18-Month
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates 18-Month
$500
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
18 Month Certificate
$500
3.87%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.20% above avg
Details
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate of Deposit 18 months
$500
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Business 18 months
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details
Bump one time**
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates 18 months
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details
Bump one time**
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 Month Certificate
$500
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.15% above avg
Details
First National Bank in New Bremen
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month CD
$500
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.15% above avg
Details
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
18 Month
$500
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
18 Month Certificate
$1,000
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.09% above avg
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Term Certificates 18 Months
$1,000
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.09% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
18 Month Jumbo Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Roth IRA Certificate 18 Months
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Traditional IRA Certificate 18 Months
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
18 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
18 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
18 Month Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
Charm Term 18 Months
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month Certificate Special
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.08% above avg
Details
Portage Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month Special
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.08% above avg
Details
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
18 Month CD
$500
3.72%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.05% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
18 Month Fixed IRA
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
18 Month Term Share Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Columbus 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
24 Month CD Special
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.29% above avg
Details
**
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
24 Month Certificate
$100,000
3.85%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
24 Month Certificate
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
24 Month Certificate
$500
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
24 Month Term IRA
$250
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
24 Months CD
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.04% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
24 Month Certificate
$500
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.04% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
24 Month Rate Bump Certificate
$500
3.65%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
24 Month Rate Bump Term IRA
$250
3.65%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
363 E Town St, COLUMBUS, OH 43215 4774
24 Month Regular Certificate
$0
3.45%
▲ 0.74% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
24 Month Share Certificate
$500
3.44%
▲ 0.73% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.73% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
24 Month Term IRA
$250
3.30%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Everyday APY
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
24 Month Share Certificate
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.59% above avg
Details
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1050 Beecher Xing N, Columbus, OH 43230
24 Month CD
$500
3.18%
▲ 0.47% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.47% above avg
Details
Minimum additions of $250.00 or more permitted.
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
24 Month Rate Bump Term IRA
$250
3.15%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
Everyday APY
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
152 E Broad St, Columbus, OH 43215
Regular Certificates & IRAs - 24 months
$500
3.10%
▲ 0.39% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.39% above avg
Details
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1760 W Lane Ave, Columbus, OH 43221
24 Month Certificate
$500
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.29% above avg
Details
Penalty: 180 days; Frequency of Compounding: Daily
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
2 Year CD
$500
2.25%
▼ 0.46% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.46% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
24 Month CD
$500
0.65%
▼ 2.06% below national avg
▼
Rate0.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.06% below avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2 Year Certificate
$500
4.36%
▲ 1.65% above national avg
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.65% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24-Month IRA
$0
4.34%
▲ 1.63% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.63% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
2 Year Certificate
$500
4.32%
▲ 1.61% above national avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.61% above avg
Details
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
24 Month IRA (Variable)
$100
4.29%
▲ 1.58% above national avg
▼
Rate4.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.58% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.54% above avg
Details
Fixed interest rate; Automatic renewal; FDIC insured; No maintenance fees; Online banking access
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Months
$0
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.35% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
24 Month
$0
4.05%
▲ 1.34% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
2-Year Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
2-Year Jumbo Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Business 2-Year Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Business 2-Year Jumbo Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
HSA 2-Year Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
Health Savings Account (HSA) Certificates
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates 24 months
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
Bump one time**
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Certificates 24 months
$100,000
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
Bump one time**
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.29% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24-Month Certificate
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 24-Month
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates 24-Month
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
$50,000+
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Business 24 months
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
Bump one time**
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates 24 months
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
Bump one time**
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
24 Month Certificate
$500
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
24 Month Youth Certificate
$100
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Must be under 18 years of age
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate of Deposit 24 months
$500
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Educational IRA 24 Months
$500
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
Jumbo CD 24 Months
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.14% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
24 Month Special
$5,000
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.14% above avg
Details
Compounding Frequency: Daily
Dynamic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
24 Month
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24-Month Add-On
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24-Month Add-On Certificate
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Add-On
Columbus 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
36 Month CD Special
$500
4.00%
▲ 1.36% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.36% above avg
Details
**
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
36 Month Certificate
$100,000
3.90%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.26% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
36 Month Certificate
$0
3.90%
▲ 1.26% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.26% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
36 Month Certificate
$500
3.80%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.16% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
36 Month Term IRA
$250
3.80%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.16% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
36 Months CD
$500
3.80%
▲ 1.16% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
36 Month Certificate
$500
3.80%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
4960 E Dublin Granville Rd, Columbus, OH 43081
36 Month term
$0
3.50%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
36 Month Share Certificate
$500
3.49%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.85% above avg
Details
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
152 E Broad St, Columbus, OH 43215
Regular Certificates & IRAs - 36 months
$500
3.45%
▲ 0.81% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.81% above avg
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
363 E Town St, COLUMBUS, OH 43215 4774
36 Month Regular Certificate
$0
3.40%
▲ 0.76% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.76% above avg
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
36 Month Share Certificate
$0
3.35%
▲ 0.71% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.71% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
36 Month Term IRA
$250
3.30%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details
Everyday APY
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1050 Beecher Xing N, Columbus, OH 43230
36 Month CD
$500
3.03%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.39% above avg
Details
Minimum additions of $250.00 or more permitted.
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
3 Year CD
$500
1.40%
▼ 1.24% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.24% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
36 Month CD
$500
0.70%
▼ 1.94% below national avg
▼
Rate0.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.94% below avg
Details
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1760 W Lane Ave, Columbus, OH 43221
36 Month Certificate
$500
0.30%
▼ 2.34% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▼ 2.34% below avg
Details
Penalty: 12 months; Frequency of Compounding: Daily
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$500
4.25%
▲ 1.61% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.61% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
36 Month Jumbo Certificate
$0
4.25%
▲ 1.61% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.61% above avg
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
36 Month
$0
4.16%
▲ 1.52% above national avg
▼
Rate4.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.52% above avg
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
36 Month Freedom
$0
4.16%
▲ 1.52% above national avg
▼
Rate4.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.52% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3 Year Certificate
$500
4.11%
▲ 1.47% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.47% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3 Year IRA
$500
4.11%
▲ 1.47% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.47% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates 36 months
$1,000
4.05%
▲ 1.41% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.41% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Certificates 36 months
$100,000
4.05%
▲ 1.41% above national avg
▼
Rate3.98%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.41% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
3 Year Rising Rate CD
$500
4.00%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
36 Month
$500
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
36 Month CD
$500
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.36% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
36 Month IRA
$1,000
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.36% above avg
Details
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Certificate
$500
4.00%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.36% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
36-Month Certificate
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.31% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 36-Month
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.31% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates 36-Month
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.31% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Educational IRA 36 Months
$500
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
$50,000+
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Business 36 months
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates 36 months
$1,000
3.95%
▲ 1.31% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.31% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
36 Month Certificate
$500
3.87%
▲ 1.23% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.23% above avg
Details
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.21% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
36 Month Certificate
$500
3.85%
▲ 1.21% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.21% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
Charm Term 36 Months
$500
3.85%
▲ 1.21% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.21% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
36 Month Certificate
$5,000
3.85%
▲ 1.21% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.21% above avg
Details
Compounding Frequency: Daily
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificates - 36 Month
$500
3.81%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.17% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36 Month Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
IRA Certificate 36-Month
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month Certificate/IRA
$500
3.80%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
36 Month Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3 Year Certificate
$500
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month IRA Certificate
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
Dividends: Quarterly
Columbus 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
48 Month Certificate
$100,000
3.95%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.30% above avg
Details
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
48 Months CD
$500
3.90%
▲ 1.25% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.25% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
48 Month Certificate
$500
3.85%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.20% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
48 Month Term IRA
$250
3.85%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.20% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
48 Month Certificate
$500
3.85%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.20% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
48 Month Certificate
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.00% above avg
Details
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
152 E Broad St, Columbus, OH 43215
Regular Certificates & IRAs - 48 months
$500
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.80% above avg
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
48 Month Share Certificate
$500
3.44%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.79% above avg
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
48 Month Share Certificate
$0
3.40%
▲ 0.75% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.75% above avg
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
363 E Town St, COLUMBUS, OH 43215 4774
48 Month Regular Certificate
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.70% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
48 Month Term IRA
$250
3.35%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.70% above avg
Details
Everyday APY
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1050 Beecher Xing N, Columbus, OH 43230
4 Year CD
$500
2.01%
▼ 0.64% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 0.64% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
4 Year CD
$500
1.15%
▼ 1.50% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.50% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
48 Month CD
$500
0.80%
▼ 1.85% below national avg
▼
Rate0.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.85% below avg
Details
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1760 W Lane Ave, Columbus, OH 43221
48 Month Certificate
$500
0.30%
▼ 2.35% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 2.35% below avg
Details
Penalty: 12 months; Frequency of Compounding: Daily
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
48 Month
$0
4.21%
▲ 1.56% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.56% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates 48 months
$1,000
4.10%
▲ 1.45% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.45% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Certificates 48 months
$100,000
4.10%
▲ 1.45% above national avg
▼
Rate4.02%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.45% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
48-Month Certificate
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.35% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 48-Month
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.35% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates 48-Month
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.35% above avg
Details
Code Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Educational IRA 48 Months
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
$50,000+
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
48 Month Certificate
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
Charm Term 48 Months
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Business 48 months
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates 48 months
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month CD
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
48 Month IRA
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.35% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificates - 48 Month
$500
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.32% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
48 Month Certificate
$500
3.92%
▲ 1.27% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.27% above avg
Details
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.25% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
48 Month Certificate
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.20% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
48 Month Certificate
$5,000
3.85%
▲ 1.20% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.20% above avg
Details
Compounding Frequency: Daily
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
48 Month Certificate
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.15% above avg
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
IRA Certificate 48-Month
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.15% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
48 Month Certificate/IRA
$500
3.80%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.15% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
4 Year Certificate
$500
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.15% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Certificate
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.15% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
48 Month Fixed IRA
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
48 Month Term Share Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates 48 Months
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$500
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 48 Month Certificate of Deposit
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Traditional, Roth, Educational
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
48 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
48 Month Certificate
$500
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.10% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate
$1,000
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Universal 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
48 Month Certificate
$0
3.71%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.06% above avg
Details
Hancock Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month Certificate
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.05% above avg
Details
Columbus 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.94%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
60 Months CD
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
60 Month Certificate
$100,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Pathways Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
5665 N Hamilton Rd, Columbus, OH 43230
60 Month Certificate
$500
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.15% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
60 Month Certificate
$500
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
60 Month Term IRA
$250
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
510 E Mound St, Columbus, OH 43215 5539
60 Month Certificate
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.85% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
4960 E Dublin Granville Rd, Columbus, OH 43081
60 Month term
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
152 E Broad St, Columbus, OH 43215
Regular Certificates & IRAs - 60 months
$500
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.70% above avg
Details
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
60 Month Share Certificate
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.70% above avg
Details
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
760 Kinnear Rd, Columbus, OH 43212 1488
60 Month Share Certificate
$500
3.39%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.64% above avg
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
363 E Town St, COLUMBUS, OH 43215 4774
60 Month Regular Certificate
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.60% above avg
Details
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4220 E Broad St, Columbus, OH 43213
60 Month Term IRA
$250
3.30%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.55% above avg
Details
Everyday APY
First Federal S&L Newark, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1050 Beecher Xing N, Columbus, OH 43230
5 Year CD
$500
1.35%
▼ 1.40% below national avg
▼
Rate1.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 1.40% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
5 Year CD
$500
1.25%
▼ 1.50% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.50% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
60 Month CD
$500
0.85%
▼ 1.90% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.90% below avg
Details
First Bank of Central Ohio
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1760 W Lane Ave, Columbus, OH 43221
60 Month Certificate
$500
0.30%
▼ 2.45% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 2.45% below avg
Details
Penalty: 12 months; Frequency of Compounding: Daily
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
60 Month
$0
4.21%
▲ 1.46% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.46% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
IRA Certificates 60 months
$1,000
4.20%
▲ 1.45% above national avg
▼
Rate4.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.45% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Jumbo Certificates 60 months
$100,000
4.20%
▲ 1.45% above national avg
▼
Rate4.12%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.45% above avg
Details
Croghan Colonial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month CD
$500
4.18%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.43% above avg
Details
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
IRA Certificates - 60 Month
$500
4.18%
▲ 1.43% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.43% above avg
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
IRA Share Certificate (5 Year)
$0
4.11%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.36% above avg
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
5 Year IRA
$500
4.11%
▲ 1.36% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.36% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Business 60 months
$1,000
4.10%
▲ 1.35% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.35% above avg
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Certificates 60 months
$1,000
4.10%
▲ 1.35% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.35% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
60-Month Certificate
$1,000
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.30% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificate 60-Month
$1,000
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.30% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
IRA Certificates 60-Month
$1,000
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.30% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Month Jumbo Certificate
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.30% above avg
Details
Additional 0.25% APY on Jumbo Certificate with a balance of $250,000+
LAKEVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month IRA Certificate
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.30% above avg
Details
Dividends: Quarterly
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
5 Year Certificate
$500
4.02%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.27% above avg
Details
Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$500
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.25% above avg
Details
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
$50,000+
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
60 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.58%
Charm Term 60 Months
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
60 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.25% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
60 Month Certificate
$500
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.22% above avg
Details
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.15% above avg
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
60 Month Certificate/IRA
$500
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.10% above avg
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Month Certificate
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.10% above avg
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
60 Month Certificate
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.10% above avg
Details
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
60 Month Certificate
$5,000
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.10% above avg
Details
Compounding Frequency: Daily
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
60 Months
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.07% above avg
Details
Seven Seventeen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Month
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates 60 Months
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
5 Year Certificate
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.05% above avg
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.05% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
60 Month Fixed IRA
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.00% above avg
Details
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
60 Month Term Share Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.00% above avg
Details
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Columbus, OH CD Rate Trends
Compare local Columbus, 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
2.840%
▼ 0.231 vs 7 days ago
Ohio 12-month CD rates fell 0.231 points over the past 7 days to 2.840% APY.
6-Month CD OH Avg
2.669%
▲ 0.238 vs 7 days ago
Ohio 6-month CD rates rose 0.238 points over the past 7 days to 2.669% APY.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OH CD Rate Forecast, Next 12 Months
Where are Ohio CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OH 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
Powered by
MonitorBankRates
What Your Savings Earn at OH CD Rates Today
Annual interest earnings at today’s Ohio average APYs. State average used where available; national average as fallback.
| CD Term | OH Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Columbus, Ohio Savers
$25,000 split equally across 5 terms using today’s Ohio average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/yr | |
Ladder example uses equal $5,000 rungs and Ohio average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,256
CD Rates
Tracked in Columbus, Ohio
Tracked in Columbus, Ohio
51 Banks
80 Credit Unions
About Our Columbus, Ohio CD Rate Database
MonitorBankRates tracks 1,256 CD rates from 51 banks and 80 credit unions with locations in Columbus, 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: First Bank of Central Ohio offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Columbus, Ohio.
How to Find the Best CD Rates in Columbus, Ohio
What to compare when shopping for a CD in Columbus, Ohio
To find the best APYs in Columbus, Ohio, start with credit unions and online-only banks: Columbus, Ohio has 80 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 Columbus, 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 Columbus, Ohio: 131 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Columbus, 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 Columbus, Ohio money market rates
Columbus, Ohio Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
11.3%
National avg: 17.3%
Median Individual Earnings
$41,686
National avg: $47,340
Poverty Rate
18.1%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$118/yr
At OH 12-mo avg 2.840% APY
11.3% of residents are 65 or older, below the national average of 17.3%. At today’s OH 12-month CD average of 2.840%, saving 10% of the local median salary ($4,168/year) and putting it in a CD would earn an additional $118 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 Columbus, 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 Columbus, 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 Columbus, 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 Columbus, Ohio as everywhere in the U.S.
Choosing a CD Term in Columbus, 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 Columbus, Ohio savers easier access to their funds. For example, Kemba Financial Credit Union is offering its 6 Month Certificate at 3.90% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Telhio Credit Union is offering its 60 Months CD at 4.00% 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 Columbus, 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 Columbus, 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 Columbus, 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 Columbus, 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 Columbus, Ohio
Most CDs carry a fixed rate that is locked for the entire term, protecting a Columbus, 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 Columbus, Ohio
Are CD rates in Columbus, Ohio FDIC insured?
Yes, most established banks in Columbus, 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 Columbus, 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 Columbus, 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 Columbus, 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 Columbus, Ohio?
Here are recent top rates found for this area:
- First Bank of Central Ohio: 4.30% APY (12 Month Certificate)
- United Midwest Savings Bank: 4.25% APY (6-12 Month CD)
- Telhio Credit Union: 4.00% APY (60 Months CD)
- Pathways Financial Credit Union: 4.00% APY (60 Month Certificate)
- First Federal S&L Newark, OH: 4.00% APY (18 Month CD)
- Civista Bank: 4.00% APY (24 Month CD Special)
- Kemba Financial Credit Union: 3.90% APY (12 Month Certificate)
- Education First Credit Union Inc: 3.90% APY (36 Month Certificate)
- Ohio Healthcare Federal Credit Union: 3.65% APY (12 Month Regular Certificate)
- CME Federal Credit Union: 3.61% APY (18-month bump SHARE CERTIFICATES & IRA CERTIFICATES)
Rates reflect recent verified offers available in Columbus, Ohio. Last Updated: September 9, 2026
Columbus, 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 Columbus, 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
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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 Columbus, Ohio
Columbus, Ohio CD Calculator
At today’s OH top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Columbus, Ohio CD LadderOH CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Columbus, Ohio CD at 4.30% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsOhio’s average 12-month CD is 2.840% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Columbus, 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 Columbus, 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 Columbus, Ohio. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in OH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 9, 2026
Columbus, Ohio Rates & Resources
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