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CD Rate Trends

Columbus, Ohio Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Columbus, Ohio CD rates range from 0.01% to 6.03% APY, verified by MonitorBankRates as of October 23, 2026. Current Columbus, Ohio CD rates include First Bank of Central OhioFirst Bank of Central Ohio1760 W Lane Ave, Columbus, OH 43221A+5.0 ★Texas Ratio: 0.37%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering Certificate of Deposit - 12 months at 4.30% APY, Bridge Credit UnionBridge Credit Union1980 W Broad St, Columbus, OH 43223A+5.0 ★Texas Ratio: 4.65%Real return: +0.60%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Business Certificate Standard - ConnectMORE at 4.30% APY, First Merchants BankFirst Merchants Bank3650 Olentangy River Rd Ste 100, Columbus, OH 43214A+5.0 ★Texas Ratio: 4.12%Real return: +0.55%APY minus CPIRate verified Oct 22, 2026 offering 24 Month CD/IRA Special at 4.25% APY, Kemba Financial Credit UnionKemba Financial Credit Union4220 E Broad St, Columbus, OH 43213A+5.0 ★Texas Ratio: 3.32%Real return: +0.50%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Certificate at 4.20% APY, and Abbott Laboratories Credit UnionAbbott Laboratories Credit Union3300 Stelzer Rd, Columbus, OH 43219 3034A+5.0 ★Texas Ratio: 0.42%Real return: +0.47%APY minus CPIRate verified Oct 19, 2026 offering 24 Month Variable Rate Certificate at 4.17% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Columbus has 320 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: October 23, 2026

Compare Best CD Rates in Columbus, Ohio & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Columbus 3 Month CD Rates

Ohio 3 Month CD Average1.67% APYNational 2.13%▼ 0.02% from last week
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: 3.32%
4220 E Broad St, Columbus, OH 43213
3 Month Certificate
$500
3.50% ▲ 1.83% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.83% above avgNationally 2.13%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
3 Month Term IRA
$250
3.50% ▲ 1.83% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.83% above avgNationally 2.13%
Details

KEMBA Advantage APY

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 3 months
$0
3.12% ▲ 1.45% above Ohio avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.45% above avgNationally 2.13%
Details

Balance: Over $75,000

Rate History
No change since Sep 25, 2026 · 3.12% APY · checked 2 times
2.62%3.12%3.62%Sep 25, 2026: 3.12% APYSep 25, 2026Oct 25, 2026
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
152 E Broad St, Columbus, OH 43215
3 Month Regular Certificate
$500
3.05% ▲ 1.38% above Ohio avg
View
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.38% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 14, 2026: 3.05% APYOct 14, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 3 months
$0
3.02% ▲ 1.35% above Ohio avg
View
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.35% above avgNationally 2.13%
Details

Balance: $500 - $14,999.99

Rate History
No change since Sep 25, 2026 · 3.02% APY · checked 2 times
2.52%3.02%3.52%Sep 25, 2026: 3.02% APYSep 25, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
3 Month Certificate
$500
3.00% ▲ 1.33% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.00% ▼ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.00%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
3 Month Term IRA
$250
3.00% ▲ 1.33% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details

Everyday APY

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1660 Holt Rd, Columbus, OH 43228 3649
3 Month Term Share Certificate
$0
2.93% ▲ 1.26% above Ohio avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 1.26% above avgNationally 2.13%
Details

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

Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 8 times
2.43%2.93%3.43%Sep 14, 2026: 2.93% APYSep 14, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
3 Month Regular Certificates
$0
2.50% ▲ 0.83% above Ohio avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 0.83% above avgNationally 2.13%
Details

Rate History
No change since Sep 21, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 21, 2026: 2.50% APYSep 21, 2026Oct 25, 2026
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
760 Kinnear Rd, Columbus, OH 43212 1488
3 Month Share Certificate
$0
2.49% ▲ 0.82% above Ohio avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average1.67%▲ 0.82% above avgNationally 2.13%
Details

Certificate rates effective 12:00 am on Wednesday, September 30, 2026

Rate History
No change since Oct 4, 2026 · 2.49% APY · checked 3 times
1.99%2.49%2.99%Oct 4, 2026: 2.49% APYOct 4, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
3 Month Certificate of Deposit
$500
2.00% ▲ 0.33% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average1.67%▲ 0.33% above avgNationally 2.13%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
3 Month CD
$500
0.50% ▼ 1.17% below Ohio avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average1.67%▼ 1.17% below avgNationally 2.13%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 9, 2026: 0.50% APYSep 9, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 1.64% below Ohio avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average1.67%▼ 1.64% below avgNationally 2.13%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 1.65% below Ohio avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average1.67%▼ 1.65% below avgNationally 2.13%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 1.66% below Ohio avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average1.67%▼ 1.66% below avgNationally 2.13%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58% ▲ 2.91% above Ohio avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 2.91% above avgNationally 2.13%
Details

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

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

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

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

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

Early withdrawals subject to penalty

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

Rates current as of 10/05/2026

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

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Unified Bank Martins Ferry, OH
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
3 Month CD
$1,000
3.71% ▲ 2.04% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average1.67%▲ 2.04% above avgNationally 2.13%
Details

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

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

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

Visit Us

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

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

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

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

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

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

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

Balance: $50,000 & Over

Rate History
No change since Oct 19, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 19, 2026: 3.55% APYOct 19, 2026Oct 25, 2026
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month CD
$1,000
3.50% ▲ 1.83% above Ohio avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average1.67%▲ 1.83% above avgNationally 2.13%
Details

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

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

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

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Citizens Federal S&LA
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
90 Day CD
$500
3.35% ▲ 1.68% above Ohio avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 1.68% above avgNationally 2.13%
Details

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

Compounding Frequency: Simple

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

Balance: $1,000 - $49,999

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

Effective 10/01/2026

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

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

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

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

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

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

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

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

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

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
3 Month IRA/ESA Share Certificate - TruBenefits
$500
3.10% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.43% above avgNationally 2.13%
Details

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

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

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

Rate History
No change since Oct 19, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 25, 2026
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month Certificate Account
$500
3.04% ▲ 1.37% above Ohio avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Ohio Average1.67%▲ 1.37% above avgNationally 2.13%
Details

Certificate accounts; Minimum balance to obtain APY: $500

Rate History
No change since Sep 24, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 24, 2026: 3.04% APYSep 24, 2026Oct 25, 2026
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
3 Month IRA/ESA Share Certificate - Regular
$500
3.00% ▲ 1.33% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average1.67%▲ 1.33% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026

Columbus 6 Month CD Rates

Ohio 6 Month CD Average2.80% APYNational 2.78%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
CD Specials - 6 Month
$0
4.00% ▲ 1.20% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

CD Specials

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

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

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
6 Month Certificate
$500
4.00% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
6 Month Term IRA
$250
4.00% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.20% above avgNationally 2.78%
Details

KEMBA Advantage APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1760 W Lane Ave, Columbus, OH 43221
Certificate of Deposit - 6 months
$500
3.90% ▲ 1.10% above Ohio avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.80%▲ 1.10% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Business Certificate Jumbo - ConnectMORE
$100,000
3.85% ▲ 1.05% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.05% above avgNationally 2.78%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Business Certificate Standard - ConnectMORE
$500
3.80% ▲ 1.00% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 1.00% above avgNationally 2.78%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
6 Month CD
$500
3.75% ▲ 0.95% above Ohio avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▲ 0.95% above avgNationally 2.78%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 9, 2026: 3.75% APYSep 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Business Certificate Jumbo
$100,000
3.75% ▲ 0.95% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.95% above avgNationally 2.78%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Standard Certificate - ConnectMORE
$500
3.75% ▲ 0.95% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.95% above avgNationally 2.78%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
6 Month Certificate
$100,000
3.75% ▲ 0.95% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.95% above avgNationally 2.78%
Details

Certificate Rates

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 6 months
$0
3.72% ▲ 0.92% above Ohio avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 0.92% above avgNationally 2.78%
Details

Balance: Over $75,000

Rate History
No change since Sep 25, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Sep 25, 2026: 3.72% APYSep 25, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Business Certificate Standard
$500
3.70% ▲ 0.90% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.90% above avgNationally 2.78%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Standard Certificate
$500
3.65% ▲ 0.85% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.85% above avgNationally 2.78%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
6 Month Certificate
$500
3.65% ▲ 0.85% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.85% above avgNationally 2.78%
Details

Certificate Rates

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
510 E Mound St, Columbus, OH 43215 5539
Certificate - 6 Month
$500
3.65% ▲ 0.85% above Ohio avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.85% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 6 months
$0
3.62% ▲ 0.82% above Ohio avg
View
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 0.82% above avgNationally 2.78%
Details

Balance: $500 - $14,999.99

Rate History
No change since Sep 25, 2026 · 3.62% APY · checked 2 times
3.12%3.62%4.12%Sep 25, 2026: 3.62% APYSep 25, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
6 Month Regular Certificates
$0
3.55% ▲ 0.75% above Ohio avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.75% above avgNationally 2.78%
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 6 Month Certificate
$0
3.55% ▲ 0.75% above Ohio avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.75% above avgNationally 2.78%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.49%

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
6 Month Certificate
$500
3.50% ▲ 0.70% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.70% above avgNationally 2.78%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 3.50% ▼ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 14, 2026: 3.90% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▼ from 3.90%
  • Sep 14, 20263.90%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
6 Month Term IRA
$250
3.50% ▲ 0.70% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.70% above avgNationally 2.78%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
6 Month Certificate
$0
3.50% ▲ 0.70% above Ohio avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.70% above avgNationally 2.78%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.50%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Business Certificate of Deposit - 6 Month Certificate
$0
3.50% ▲ 0.70% above Ohio avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.70% above avgNationally 2.78%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
6 Month Business CD
$500
3.50% ▲ 0.70% above Ohio avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.70% above avgNationally 2.78%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 18, 2026: 3.30% APYOct 19, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20263.50%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
Certificate of Deposit (CD) - 6 Months
$500
3.50% ▲ 0.70% above Ohio avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.70% above avgNationally 2.78%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 14, 2026: 3.30% APYOct 13, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
6 Month Certificate
$0
3.50% ▲ 0.70% above Ohio avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.70% above avgNationally 2.78%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1660 Holt Rd, Columbus, OH 43228 3649
6 Month Term Share Certificate
$0
3.45% ▲ 0.65% above Ohio avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 0.65% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 14, 2026: 3.35% APYSep 21, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20263.45%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Jumbo Certificate - ConnectMORE
$100,000
3.40% ▲ 0.60% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.60% above avgNationally 2.78%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 19, 2026: 3.40% APYOct 19, 2026Oct 25, 2026
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
6 Month Share Certificate
$500
3.35% ▲ 0.55% above Ohio avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 0.55% above avgNationally 2.78%
Details

Dividend rate 3.30%; APY assumes monthly dividends; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 14, 2026: 3.25% APYSep 25, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.35%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
760 Kinnear Rd, Columbus, OH 43212 1488
6 Month Share Certificate
$0
3.34% ▲ 0.54% above Ohio avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.80%▲ 0.54% above avgNationally 2.78%
Details

Certificate rates effective 12:00 am on Wednesday, September 30, 2026

Rate History
No change since Oct 4, 2026 · 3.34% APY · checked 3 times
2.84%3.34%3.84%Oct 4, 2026: 3.34% APYOct 4, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
6 Month Jumbo Certificate
$100,000
3.30% ▲ 0.50% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.50% above avgNationally 2.78%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
152 E Broad St, Columbus, OH 43215
6 Month Regular Certificate
$500
3.30% ▲ 0.50% above Ohio avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.80%▲ 0.50% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
6 Month Certificate of Deposit
$500
2.25% ▼ 0.55% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▼ 0.55% below avgNationally 2.78%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
6 Month IRA Certificate of Deposit
$500
2.25% ▼ 0.55% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▼ 0.55% below avgNationally 2.78%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 6 Months
$1,000
0.03% ▼ 2.77% below Ohio avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▼ 2.77% below avgNationally 2.78%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 6 Months
$250
0.03% ▼ 2.77% below Ohio avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▼ 2.77% below avgNationally 2.78%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 6 Months
$1,000
0.02% ▼ 2.78% below Ohio avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▼ 2.78% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 6 Months
$250
0.02% ▼ 2.78% below Ohio avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▼ 2.78% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 6 Months
$1,000
0.01% ▼ 2.79% below Ohio avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▼ 2.79% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 6 Months
$250
0.01% ▼ 2.79% below Ohio avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▼ 2.79% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Bonus CD
$0
4.75% ▲ 1.95% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.80%▲ 1.95% above avgNationally 2.78%
Details

Minimum to Obtain: $500

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

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

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

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

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

Rates that have current Specials

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

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

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

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

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

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

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

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

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

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

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

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 19, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded

Columbus 12 Month CD Rates

Ohio 12 Month CD Average3.15% APYNational 2.99%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1760 W Lane Ave, Columbus, OH 43221
Certificate of Deposit - 12 months
$500
4.30% ▲ 1.15% above Ohio avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 1.15% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3650 Olentangy River Rd Ste 100, Columbus, OH 43214
12 Month Promo CD Special
$0
4.10% ▲ 0.95% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Open in Minutes; Rates may vary by zip code

Rate History
No change since Oct 22, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Business Certificate Jumbo - ConnectMORE
$100,000
4.05% ▲ 0.90% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.90% above avgNationally 2.99%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
CD Specials - 12 Month
$0
4.00% ▲ 0.85% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 0.85% above avgNationally 2.99%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
Certificate of Deposit - 12 Month
$10,000
4.00% ▲ 0.85% above Ohio avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 0.85% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
12 Month Certificate
$500
4.00% ▲ 0.85% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.85% above avgNationally 2.99%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
12 Month Term IRA
$250
4.00% ▲ 0.85% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.85% above avgNationally 2.99%
Details

KEMBA Advantage APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Business Certificate Standard - ConnectMORE
$500
4.00% ▲ 0.85% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.85% above avgNationally 2.99%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Business Certificate Jumbo
$100,000
3.95% ▲ 0.80% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.80% above avgNationally 2.99%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month IRA Certificate - ConnectMORE
$500
3.95% ▲ 0.80% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.80% above avgNationally 2.99%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 19, 2026: 3.95% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Standard Certificate - ConnectMORE
$500
3.95% ▲ 0.80% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.80% above avgNationally 2.99%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 19, 2026: 3.95% APYOct 19, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 12 months
$0
3.90% ▲ 0.75% above Ohio avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 0.75% above avgNationally 2.99%
Details

Balance: Over $75,000

Rate History
1 change since Sep 25, 2026 · 3.79% → 3.90% ▲ 0.11 pts · high 3.90% / low 3.79%
3.29%3.85%4.40%Sep 25, 2026: 3.79% APYOct 23, 2026: 3.90% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.90%▲ from 3.79%
  • Sep 25, 20263.79%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Business Certificate Standard
$500
3.90% ▲ 0.75% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.75% above avgNationally 2.99%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Second Chance Certificate - ConnectMORE
$500
3.90% ▲ 0.75% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.75% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 19, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 19, 2026: 3.90% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month IRA Certificate
$500
3.85% ▲ 0.70% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.70% above avgNationally 2.99%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Standard Certificate
$500
3.85% ▲ 0.70% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.70% above avgNationally 2.99%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
12 Month Certificate
$100,000
3.85% ▲ 0.70% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.70% above avgNationally 2.99%
Details

Certificate Rates

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 12 months
$0
3.80% ▲ 0.65% above Ohio avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 0.65% above avgNationally 2.99%
Details

Balance: $500 - $14,999.99

Rate History
1 change since Sep 25, 2026 · 3.69% → 3.80% ▲ 0.11 pts · high 3.80% / low 3.69%
3.19%3.75%4.30%Sep 25, 2026: 3.69% APYOct 23, 2026: 3.80% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.80%▲ from 3.69%
  • Sep 25, 20263.69%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Second Chance Certificate
$500
3.80% ▲ 0.65% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.65% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
12 Month CD
$500
3.75% ▲ 0.60% above Ohio avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▲ 0.60% above avgNationally 2.99%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 9, 2026: 3.75% APYSep 9, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
12 Month Certificate
$500
3.75% ▲ 0.60% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.60% above avgNationally 2.99%
Details

Certificate Rates

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
510 E Mound St, Columbus, OH 43215 5539
Certificate - 12 Month
$500
3.75% ▲ 0.60% above Ohio avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.60% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
12 Month Regular Certificates
$0
3.65% ▲ 0.50% above Ohio avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
IRA Share Certificates - 12 Month
$0
3.65% ▲ 0.50% above Ohio avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Jumbo Certificate - ConnectMORE
$100,000
3.60% ▲ 0.45% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.45% above avgNationally 2.99%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 12 Month Certificate
$0
3.60% ▲ 0.45% above Ohio avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.45% above avgNationally 2.99%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.54%

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
12 Month Business CD
$500
3.60% ▲ 0.45% above Ohio avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.45% above avgNationally 2.99%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 18, 2026: 3.55% APYOct 19, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20263.60%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
Certificate of Deposit (CD) - 12 Months
$500
3.60% ▲ 0.45% above Ohio avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.45% above avgNationally 2.99%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
12 Month Certificate
$0
3.60% ▲ 0.45% above Ohio avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.45% above avgNationally 2.99%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
12 Month HSA Certificate
$0
3.60% ▲ 0.45% above Ohio avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.45% above avgNationally 2.99%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
12 Month IRA Certificate (Roth, Traditional, Education)
$0
3.60% ▲ 0.45% above Ohio avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.45% above avgNationally 2.99%
Details

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 25, 2026
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% ▲ 0.44% above Ohio avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average3.15%▲ 0.44% above avgNationally 2.99%
Details

++Minimum additions of $250.00 or more permitted; Effective 10/07/26

Rate History
No change since Sep 14, 2026 · 3.59% APY · checked 9 times
3.09%3.59%4.09%Sep 14, 2026: 3.59% APYSep 14, 2026Oct 25, 2026
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
760 Kinnear Rd, Columbus, OH 43212 1488
12 Month Share Certificate
$0
3.55% ▲ 0.40% above Ohio avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 0.40% above avgNationally 2.99%
Details

Certificate rates effective 12:00 am on Wednesday, September 30, 2026

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
12 Month Certificate
$0
3.55% ▲ 0.40% above Ohio avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.40% above avgNationally 2.99%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.55%▼ from 3.60%
  • Sep 14, 20263.60%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Business Certificate of Deposit - 12 Month Certificate
$0
3.55% ▲ 0.40% above Ohio avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.40% above avgNationally 2.99%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
12 Month Certificate
$500
3.50% ▲ 0.35% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.35% above avgNationally 2.99%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 3.50% ▼ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 14, 2026: 3.90% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▼ from 3.90%
  • Sep 14, 20263.90%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
12 Month Term IRA
$250
3.50% ▲ 0.35% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.35% above avgNationally 2.99%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
12 Month Jumbo Certificate
$100,000
3.50% ▲ 0.35% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.35% above avgNationally 2.99%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 25, 2026
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
152 E Broad St, Columbus, OH 43215
12 Month Regular Certificate
$500
3.50% ▲ 0.35% above Ohio avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average3.15%▲ 0.35% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1660 Holt Rd, Columbus, OH 43228 3649
12 Month Term Share Certificate
$0
3.45% ▲ 0.30% above Ohio avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 0.30% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
12 Month Share Certificate
$500
3.45% ▲ 0.30% above Ohio avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▲ 0.30% above avgNationally 2.99%
Details

Dividend rate 3.40%; APY assumes monthly dividends; penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.38%3.95%Sep 14, 2026: 3.30% APYSep 25, 2026: 3.40% APYOct 23, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.45%▲ from 3.40%
  • Sep 25, 20263.40%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
1 Year Certificate of Deposit
$500
2.00% ▼ 1.15% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▼ 1.15% below avgNationally 2.99%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
1 Year IRA Certificate of Deposit
$500
2.00% ▼ 1.15% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▼ 1.15% below avgNationally 2.99%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Oct 25, 2026
Greater Wayne Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
929 Harrison Ave Ste 200, Columbus, OH 43215
12 Month Share Certificate
$0
1.20% ▼ 1.95% below Ohio avg
View
▼
Rate1.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average3.15%▼ 1.95% below avgNationally 2.99%
Details

$1,000 Minimum

Rate History
No change since Oct 22, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Oct 22, 2026: 1.20% APYOct 22, 2026Oct 25, 2026
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% ▼ 2.55% below Ohio avg
View
▼
Rate0.60%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▼ 2.55% below avgNationally 2.99%
Details

Certificates of Deposit; Minimum balance to obtain APY: $250

Rate History
No change since Sep 9, 2026 · 0.60% APY · checked 9 times
0.10%0.60%1.10%Sep 9, 2026: 0.60% APYSep 9, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 12 Months
$1,000
0.03% ▼ 3.12% below Ohio avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▼ 3.12% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 12 Months
$250
0.03% ▼ 3.12% below Ohio avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▼ 3.12% below avgNationally 2.99%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 12 Months
$1,000
0.02% ▼ 3.13% below Ohio avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▼ 3.13% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 12 Months
$250
0.02% ▼ 3.13% below Ohio avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▼ 3.13% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 12 Months
$1,000
0.01% ▼ 3.14% below Ohio avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average3.15%▼ 3.14% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026

Columbus 18 Month CD Rates

Ohio 18 Month CD Average2.86% APYNational 2.88%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3650 Olentangy River Rd Ste 100, Columbus, OH 43214
18 Month Promo CD Special
$0
4.15% ▲ 1.29% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 1.29% above avgNationally 2.88%
Details

Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
18 Month Business Certificate Standard - ConnectMORE
$500
4.10% ▲ 1.24% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.24% above avgNationally 2.88%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
18 Month Standard Certificate - ConnectMORE
$500
4.05% ▲ 1.19% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.19% above avgNationally 2.88%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
18 Month Business Certificate Standard
$500
4.00% ▲ 1.14% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.14% above avgNationally 2.88%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
18 Month Standard Certificate
$500
3.95% ▲ 1.09% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.09% above avgNationally 2.88%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$100,000
3.90% ▲ 1.04% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 1.04% above avgNationally 2.88%
Details

Certificate Rates

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
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
3.81% ▲ 0.95% above Ohio avg
View
▼
Rate3.75%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 0.95% above avgNationally 2.88%
Details

*Rate subject to change daily; penalty may be imposed for early withdrawal; Effective 10/07/26

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.81% ▲ 0.52 pts · high 3.81% / low 3.29%
2.77%3.55%4.33%Sep 14, 2026: 3.29% APYOct 8, 2026: 3.81% APYSep 14, 2026Oct 25, 2026
  • Oct 8, 20263.81%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
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
3.80% ▲ 0.94% above Ohio avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 0.94% above avgNationally 2.88%
Details

Effective 10/07/26

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.80% ▼ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 4.00% APYSep 24, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.80%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$500
3.80% ▲ 0.94% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.94% above avgNationally 2.88%
Details

Certificate Rates

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
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
3.75% ▲ 0.89% above Ohio avg
View
▼
Rate3.75%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 0.89% above avgNationally 2.88%
Details

*Rate subject to change daily; penalty may be imposed for early withdrawal; Effective 10/07/26

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYSep 24, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
18 Month Business CD
$500
3.70% ▲ 0.84% above Ohio avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.84% above avgNationally 2.88%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 18, 2026: 3.60% APYOct 19, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
Certificate of Deposit (CD) - 18 Months
$500
3.70% ▲ 0.84% above Ohio avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.84% above avgNationally 2.88%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
18 Month Share Certificate
$500
3.56% ▲ 0.70% above Ohio avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 0.70% above avgNationally 2.88%
Details

Dividend rate 3.50%; APY assumes monthly dividends; penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYSep 25, 2026: 3.45% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.45%
  • Sep 25, 20263.45%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
760 Kinnear Rd, Columbus, OH 43212 1488
18 Month Share Certificate
$0
3.55% ▲ 0.69% above Ohio avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 0.69% above avgNationally 2.88%
Details

Certificate rates effective 12:00 am on Wednesday, September 30, 2026

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
18 Month Regular Certificates
$0
3.50% ▲ 0.64% above Ohio avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
IRA Share Certificates - 18 Month
$0
3.50% ▲ 0.64% above Ohio avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
152 E Broad St, Columbus, OH 43215
18 Month Regular Certificate
$500
3.50% ▲ 0.64% above Ohio avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.64% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 18 Month Certificate
$0
3.30% ▲ 0.44% above Ohio avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.44% above avgNationally 2.88%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1760 W Lane Ave, Columbus, OH 43221
Certificate of Deposit - 18 months
$500
3.25% ▲ 0.39% above Ohio avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.86%▲ 0.39% above avgNationally 2.88%
Details

Penalty: 180 days; Frequency of Compounding: Daily; Interest rate fixed for the term

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
18 Month Certificate
$0
3.25% ▲ 0.39% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.39% above avgNationally 2.88%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Business Certificate of Deposit - 18 Month Certificate
$0
3.25% ▲ 0.39% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.86%▲ 0.39% above avgNationally 2.88%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
IRA 18 Month Special
$500
3.10% ▲ 0.24% above Ohio avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▲ 0.24% above avgNationally 2.88%
Details

Rate History
No change since Oct 20, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 20, 2026: 3.10% APYOct 20, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
18 Month CD
$500
0.60% ▼ 2.26% below Ohio avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▼ 2.26% below avgNationally 2.88%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 0.60% APY · checked 9 times
0.10%0.60%1.10%Sep 9, 2026: 0.60% APYSep 9, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
IRA 18 Month Fixed
$500
0.60% ▼ 2.26% below Ohio avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▼ 2.26% below avgNationally 2.88%
Details

Rate History
No change since Oct 20, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 20, 2026: 0.60% APYOct 20, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 2.83% below Ohio avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▼ 2.83% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 18 Months
$250
0.03% ▼ 2.83% below Ohio avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▼ 2.83% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 2.84% below Ohio avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▼ 2.84% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 18 Months
$250
0.02% ▼ 2.84% below Ohio avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▼ 2.84% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 2.85% below Ohio avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▼ 2.85% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 18 Months
$250
0.01% ▼ 2.85% below Ohio avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.86%▼ 2.85% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
Share Certificates - 18 Month
$0
4.55% ▲ 1.69% above Ohio avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.86%▲ 1.69% above avgNationally 2.88%
Details

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

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

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

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

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

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

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

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

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

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

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

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

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

Advertised as high as 4.35% APY

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

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

Minimum deposit of $500 required.

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

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

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

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

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

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

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

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

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

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

Early withdrawal penalties apply

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

Rates effective August 5, 2026

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

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

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026

Columbus 24 Month CD Rates

Ohio 24 Month CD Average2.93% APYNational 2.90%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3650 Olentangy River Rd Ste 100, Columbus, OH 43214
24 Month CD/IRA Special
$0
4.25% ▲ 1.32% above Ohio avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 1.32% above avgNationally 2.90%
Details

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

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

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

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
24 Month Variable Rate Certificate
$0
4.17% ▲ 1.24% above Ohio avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.24% above avgNationally 2.90%
Details

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

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

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

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

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

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

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month IRA Certificate - ConnectMORE
$500
4.10% ▲ 1.17% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.17% above avgNationally 2.90%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

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

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month Business Certificate Standard
$500
4.05% ▲ 1.12% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.12% above avgNationally 2.90%
Details

Everyday APY

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

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

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 24 months
$0
4.01% ▲ 1.08% above Ohio avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 1.08% above avgNationally 2.90%
Details

Balance: Over $75,000

Rate History
1 change since Sep 25, 2026 · 3.88% → 4.01% ▲ 0.13 pts · high 4.01% / low 3.88%
3.38%3.95%4.51%Sep 25, 2026: 3.88% APYOct 23, 2026: 4.01% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.01%▲ from 3.88%
  • Sep 25, 20263.88%first recorded
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% ▲ 1.07% above Ohio avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▲ 1.07% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 9, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 9, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
24 Month Certificate
$500
4.00% ▲ 1.07% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.07% above avgNationally 2.90%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
24 Month Term IRA
$250
4.00% ▲ 1.07% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.07% above avgNationally 2.90%
Details

KEMBA Advantage APY

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month IRA Certificate
$500
4.00% ▲ 1.07% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.07% above avgNationally 2.90%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month Standard Certificate
$500
4.00% ▲ 1.07% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.07% above avgNationally 2.90%
Details

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
24 Month Second Chance Certificate
$500
3.95% ▲ 1.02% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.02% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
24 Month Certificate
$100,000
3.95% ▲ 1.02% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 1.02% above avgNationally 2.90%
Details

Certificate Rates

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Sep 14, 2026: 3.85% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.95%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 24 months
$0
3.91% ▲ 0.98% above Ohio avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 0.98% above avgNationally 2.90%
Details

Balance: $500 - $14,999.99

Rate History
1 change since Sep 25, 2026 · 3.78% → 3.91% ▲ 0.13 pts · high 3.91% / low 3.78%
3.28%3.84%4.41%Sep 25, 2026: 3.78% APYOct 23, 2026: 3.91% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.91%▲ from 3.78%
  • Sep 25, 20263.78%first recorded
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
3.85% ▲ 0.92% above Ohio avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 0.92% above avgNationally 2.90%
Details

++Minimum additions of $250.00 or more permitted; Effective 10/07/26

Rate History
1 change since Sep 14, 2026 · 3.18% → 3.85% ▲ 0.67 pts · high 3.85% / low 3.18%
2.51%3.51%4.52%Sep 14, 2026: 3.18% APYSep 24, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.85%▲ from 3.18%
  • Sep 14, 20263.18%first recorded
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
24 Month Certificate
$500
3.85% ▲ 0.92% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.92% above avgNationally 2.90%
Details

Certificate Rates

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
510 E Mound St, Columbus, OH 43215 5539
Certificate - 24 Month
$500
3.85% ▲ 0.92% above Ohio avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.92% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
24 Month Business CD
$500
3.75% ▲ 0.82% above Ohio avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.82% above avgNationally 2.90%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
Certificate of Deposit (CD) - 24 Months
$500
3.75% ▲ 0.82% above Ohio avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.82% above avgNationally 2.90%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
24 Month Certificate
$0
3.75% ▲ 0.82% above Ohio avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.82% above avgNationally 2.90%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
24 Month HSA Certificate
$0
3.75% ▲ 0.82% above Ohio avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.82% above avgNationally 2.90%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
24 Month IRA Certificate (Roth, Traditional, Education)
$0
3.75% ▲ 0.82% above Ohio avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.82% above avgNationally 2.90%
Details

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
24 Month Share Certificate
$500
3.61% ▲ 0.68% above Ohio avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 0.68% above avgNationally 2.90%
Details

Dividend rate 3.55%; APY assumes monthly dividends; penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.30% → 3.61% ▲ 0.31 pts · high 3.61% / low 3.30%
2.80%3.45%4.11%Sep 14, 2026: 3.30% APYSep 25, 2026: 3.51% APYOct 23, 2026: 3.61% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.61%▲ from 3.51%
  • Sep 25, 20263.51%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
760 Kinnear Rd, Columbus, OH 43212 1488
24 Month Share Certificate
$0
3.60% ▲ 0.67% above Ohio avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 0.67% above avgNationally 2.90%
Details

Certificate rates effective 12:00 am on Wednesday, September 30, 2026

Rate History
No change since Oct 4, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 4, 2026: 3.60% APYOct 4, 2026Oct 25, 2026
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1660 Holt Rd, Columbus, OH 43228 3649
24 Month Term Share Certificate
$0
3.55% ▲ 0.62% above Ohio avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 0.62% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Month Dividend; Dividend Period: Monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
2.95%3.50%4.05%Sep 14, 2026: 3.45% APYSep 21, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20263.55%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
CD Specials - 24 Month
$0
3.50% ▲ 0.57% above Ohio avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▲ 0.57% above avgNationally 2.90%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
24 Month Certificate
$500
3.50% ▲ 0.57% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.57% above avgNationally 2.90%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.50% ▼ 0.30 pts · high 3.80% / low 3.50%
3.00%3.65%4.30%Sep 14, 2026: 3.80% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
24 Month Term IRA
$250
3.50% ▲ 0.57% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.57% above avgNationally 2.90%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
152 E Broad St, Columbus, OH 43215
24 Month Regular Certificate
$500
3.50% ▲ 0.57% above Ohio avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.57% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
24 Month Regular Certificates
$0
3.45% ▲ 0.52% above Ohio avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 17, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 17, 2026: 3.45% APYSep 17, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
IRA Share Certificates - 24 Month
$0
3.45% ▲ 0.52% above Ohio avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 9 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 24 Month Certificate
$0
3.30% ▲ 0.37% above Ohio avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.37% above avgNationally 2.90%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
24 Month Certificate
$0
3.25% ▲ 0.32% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.32% above avgNationally 2.90%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Business Certificate of Deposit - 24 Month Certificate
$0
3.25% ▲ 0.32% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.93%▲ 0.32% above avgNationally 2.90%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1760 W Lane Ave, Columbus, OH 43221
Certificate of Deposit - 24 months
$500
3.00% ▲ 0.07% above Ohio avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.93%▲ 0.07% above avgNationally 2.90%
Details

Penalty: 180 days; Frequency of Compounding: Daily; Interest rate fixed for the term

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
2 Year Certificate of Deposit
$500
2.25% ▼ 0.68% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 0.68% below avgNationally 2.90%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
2 Year IRA Certificate of Deposit
$500
2.25% ▼ 0.68% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 0.68% below avgNationally 2.90%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 25, 2026
Greater Wayne Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
929 Harrison Ave Ste 200, Columbus, OH 43215
24 Month Share Certificate
$0
1.40% ▼ 1.53% below Ohio avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.93%▼ 1.53% below avgNationally 2.90%
Details

$1,000 Minimum

Rate History
No change since Oct 22, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Oct 22, 2026: 1.40% APYOct 22, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
24 Month CD
$500
0.65% ▼ 2.28% below Ohio avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 2.28% below avgNationally 2.90%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 0.65% APY · checked 9 times
0.15%0.65%1.15%Sep 9, 2026: 0.65% APYSep 9, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 24 Months
$1,000
0.03% ▼ 2.90% below Ohio avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 2.90% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 24 Months
$250
0.03% ▼ 2.90% below Ohio avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 2.90% below avgNationally 2.90%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 24 Months
$1,000
0.02% ▼ 2.91% below Ohio avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 2.91% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 24 Months
$250
0.02% ▼ 2.91% below Ohio avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 2.91% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 24 Months
$1,000
0.01% ▼ 2.92% below Ohio avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 2.92% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 24 Months
$250
0.01% ▼ 2.92% below Ohio avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.93%▼ 2.92% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026

Columbus 36 Month CD Rates

Ohio 36 Month CD Average2.70% APYNational 2.81%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month Business Certificate Standard - ConnectMORE
$500
4.20% ▲ 1.50% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.50% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month IRA Certificate - ConnectMORE
$500
4.15% ▲ 1.45% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.45% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

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

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
36 Month Certificate
$500
4.10% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
36 Month Term IRA
$250
4.10% ▲ 1.40% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.40% above avgNationally 2.81%
Details

KEMBA Advantage APY

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

Everyday APY

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

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

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

Balance: Over $75,000

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.09% ▲ 0.27 pts · high 4.09% / low 3.82%
3.32%3.96%4.59%Sep 25, 2026: 3.82% APYOct 23, 2026: 4.09% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.09%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month IRA Certificate
$500
4.05% ▲ 1.35% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.35% above avgNationally 2.81%
Details

Everyday APY

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

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 9, 2026: 4.05% APYOct 9, 2026Oct 25, 2026
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% ▲ 1.30% above Ohio avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 9, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 9, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month Second Chance Certificate
$500
4.00% ▲ 1.30% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
36 Month Certificate
$100,000
4.00% ▲ 1.30% above Ohio avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.30% above avgNationally 2.81%
Details

Certificate Rates

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 36 months
$0
3.99% ▲ 1.29% above Ohio avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 1.29% above avgNationally 2.81%
Details

Balance: $500 - $14,999.99

Rate History
1 change since Sep 25, 2026 · 3.72% → 3.99% ▲ 0.27 pts · high 3.99% / low 3.72%
3.22%3.86%4.49%Sep 25, 2026: 3.72% APYOct 23, 2026: 3.99% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.99%▲ from 3.72%
  • Sep 25, 20263.72%first recorded
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
3.94% ▲ 1.24% above Ohio avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▲ 1.24% above avgNationally 2.81%
Details

++Minimum additions of $250.00 or more permitted; Effective 10/07/26

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.94% ▲ 0.91 pts · high 3.94% / low 3.03%
2.12%3.48%4.85%Sep 14, 2026: 3.03% APYSep 24, 2026: 3.94% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.94%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
36 Month Certificate
$500
3.90% ▲ 1.20% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.20% above avgNationally 2.81%
Details

Certificate Rates

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 13.58%
510 E Mound St, Columbus, OH 43215 5539
Certificate - 36 Month
$500
3.90% ▲ 1.20% above Ohio avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.20% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
36 Month Certificate
$0
3.90% ▲ 1.20% above Ohio avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.20% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
36 Month HSA Certificate
$0
3.90% ▲ 1.20% above Ohio avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.20% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
36 Month IRA Certificate (Roth, Traditional, Education)
$0
3.90% ▲ 1.20% above Ohio avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.20% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 19, 2026: 3.90% APYOct 19, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
36 Month Business CD
$500
3.80% ▲ 1.10% above Ohio avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.10% above avgNationally 2.81%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
Certificate of Deposit (CD) - 36 Months
$500
3.80% ▲ 1.10% above Ohio avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 1.10% above avgNationally 2.81%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1660 Holt Rd, Columbus, OH 43228 3649
36 Month Term Share Certificate
$0
3.66% ▲ 0.96% above Ohio avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 0.96% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 6 Month Dividend; Dividend Period: Monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.66% ▲ 0.21 pts · high 3.66% / low 3.45%
2.95%3.56%4.16%Sep 14, 2026: 3.45% APYSep 21, 2026: 3.66% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20263.66%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
36 Month Share Certificate
$500
3.66% ▲ 0.96% above Ohio avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 0.96% above avgNationally 2.81%
Details

Dividend rate 3.60%; APY assumes monthly dividends; penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.35% → 3.66% ▲ 0.31 pts · high 3.66% / low 3.35%
2.85%3.51%4.16%Sep 14, 2026: 3.35% APYSep 25, 2026: 3.56% APYOct 23, 2026: 3.66% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.66%▲ from 3.56%
  • Sep 25, 20263.56%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
760 Kinnear Rd, Columbus, OH 43212 1488
36 Month Share Certificate
$0
3.64% ▲ 0.94% above Ohio avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 0.94% above avgNationally 2.81%
Details

Certificate rates effective 12:00 am on Wednesday, September 30, 2026

Rate History
No change since Oct 4, 2026 · 3.64% APY · checked 3 times
3.14%3.64%4.14%Oct 4, 2026: 3.64% APYOct 4, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
36 Month Certificate
$500
3.60% ▲ 0.90% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.90% above avgNationally 2.81%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.60% ▼ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.80% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.60%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
36 Month Term IRA
$250
3.60% ▲ 0.90% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.90% above avgNationally 2.81%
Details

Everyday APY

Rate History
2 changes since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.80% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.60%▼ from 3.80%
  • Sep 18, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
152 E Broad St, Columbus, OH 43215
36 Month Regular Certificate
$500
3.55% ▲ 0.85% above Ohio avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.85% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
CD Specials - 36 Month
$0
3.50% ▲ 0.80% above Ohio avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 0.80% above avgNationally 2.81%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
Certificate of Deposit - 36 Month
$10,000
3.50% ▲ 0.80% above Ohio avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▲ 0.80% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
36 Month Regular Certificates
$0
3.40% ▲ 0.70% above Ohio avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 21, 2026: 3.40% APYSep 21, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
IRA Share Certificates - 36 Month
$0
3.40% ▲ 0.70% above Ohio avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 36 Month Certificate
$0
3.30% ▲ 0.60% above Ohio avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.60% above avgNationally 2.81%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
36 Month Certificate
$0
3.25% ▲ 0.55% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.55% above avgNationally 2.81%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Business Certificate of Deposit - 36 Month Certificate
$0
3.25% ▲ 0.55% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.55% above avgNationally 2.81%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 36 Month Variable Rate Certificate
$0
3.15% ▲ 0.45% above Ohio avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.45% above avgNationally 2.81%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; variable rate certificate; Dividend Rate 3.11%

Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
36 Month Variable Rate Certificate
$0
3.10% ▲ 0.40% above Ohio avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 0.40% above avgNationally 2.81%
Details

Variable rate certificate; APY is variable; rate may change twice during the term and may increase or decrease but never below the rate earned on issue date; adjusts to current like-term fixed rate less a .10% margin for 36 months; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Greater Wayne Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
929 Harrison Ave Ste 200, Columbus, OH 43215
36 Month Share Certificate
$0
1.60% ▼ 1.10% below Ohio avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.70%▼ 1.10% below avgNationally 2.81%
Details

$1,000 Minimum

Rate History
No change since Oct 22, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Oct 22, 2026: 1.60% APYOct 22, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
3 Year Certificate of Deposit
$500
1.40% ▼ 1.30% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 1.30% below avgNationally 2.81%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 9 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
3 Year IRA Certificate of Deposit
$500
1.40% ▼ 1.30% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 1.30% below avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Sep 27, 2026: 1.40% APYSep 27, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
36 Month CD
$500
0.70% ▼ 2.00% below Ohio avg
View
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 2.00% below avgNationally 2.81%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 0.70% APY · checked 9 times
0.20%0.70%1.20%Sep 9, 2026: 0.70% APYSep 9, 2026Oct 25, 2026
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1760 W Lane Ave, Columbus, OH 43221
Certificate of Deposit - 36 months
$500
0.30% ▼ 2.40% below Ohio avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.70%▼ 2.40% below avgNationally 2.81%
Details

Penalty: 12 months; Frequency of Compounding: Daily; Interest rate fixed for the term

Rate History
No change since Oct 14, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 14, 2026: 0.30% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 36 Months
$1,000
0.03% ▼ 2.67% below Ohio avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 2.67% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 36 Months
$250
0.03% ▼ 2.67% below Ohio avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 2.67% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 36 Months
$1,000
0.02% ▼ 2.68% below Ohio avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 2.68% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 36 Months
$250
0.02% ▼ 2.68% below Ohio avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 2.68% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 36 Months
$1,000
0.01% ▼ 2.69% below Ohio avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 2.69% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 36 Months
$250
0.01% ▼ 2.69% below Ohio avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.70%▼ 2.69% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
36 Month IRA Certificates
$500
4.86% ▲ 2.16% above Ohio avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.70%▲ 2.16% above avgNationally 2.81%
Details

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

Minimum deposit of $500 required.

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.86% ▲ 1.04 pts · high 4.86% / low 3.82%
2.77%4.34%5.90%Sep 22, 2026: 3.82% APYOct 9, 2026: 4.86% APYSep 22, 2026Oct 25, 2026
  • Oct 9, 20264.86%▲ from 3.82%
  • Sep 22, 20263.82%first recorded

Columbus 48 Month CD Rates

Ohio 48 Month CD Average2.67% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Business Certificate Standard - ConnectMORE
$500
4.25% ▲ 1.58% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.58% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Standard Certificate - ConnectMORE
$500
4.20% ▲ 1.53% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.53% above avgNationally 2.81%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Business Certificate Standard
$500
4.15% ▲ 1.48% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.48% above avgNationally 2.81%
Details

Everyday APY

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

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

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

Balance: Over $75,000

Rate History
1 change since Sep 25, 2026 · 3.76% → 4.10% ▲ 0.34 pts · high 4.10% / low 3.76%
3.26%3.93%4.60%Sep 25, 2026: 3.76% APYOct 23, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.76%
  • Sep 25, 20263.76%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
48 Month Certificate
$500
4.10% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
48 Month Term IRA
$250
4.10% ▲ 1.43% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.43% above avgNationally 2.81%
Details

KEMBA Advantage APY

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

Everyday APY

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
48 Month Second Chance Certificate
$500
4.05% ▲ 1.38% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.38% above avgNationally 2.81%
Details

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

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

Certificate Rates

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 48 months
$0
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Balance: $500 - $14,999.99

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

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

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.00%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
3300 Stelzer Rd, Columbus, OH 43219 3034
48 Month Certificate
$0
4.00% ▲ 1.33% above Ohio avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.33% above avgNationally 2.81%
Details

Minimum balance $500

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

Minimum balance $500

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

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
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
3.98% ▲ 1.31% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▲ 1.31% above avgNationally 2.81%
Details

Effective 10/07/26

Rate History
1 change since Sep 14, 2026 · 2.01% → 3.98% ▲ 1.97 pts · high 3.98% / low 2.01%
0.04%3.00%5.95%Sep 14, 2026: 2.01% APYSep 24, 2026: 3.98% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.98%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
48 Month Certificate
$500
3.95% ▲ 1.28% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.28% above avgNationally 2.81%
Details

Certificate Rates

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
48 Month Business CD
$500
3.90% ▲ 1.23% above Ohio avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.23% above avgNationally 2.81%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
Certificate of Deposit (CD) - 48 Months
$500
3.90% ▲ 1.23% above Ohio avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.23% above avgNationally 2.81%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1660 Holt Rd, Columbus, OH 43228 3649
48 Month Term Share Certificate
$0
3.76% ▲ 1.09% above Ohio avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.09% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 6 Month Dividend; Dividend Period: Monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.76% ▲ 0.21 pts · high 3.76% / low 3.55%
3.05%3.66%4.26%Sep 14, 2026: 3.55% APYSep 21, 2026: 3.76% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20263.76%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
760 Kinnear Rd, Columbus, OH 43212 1488
48 Month Share Certificate
$0
3.74% ▲ 1.07% above Ohio avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.07% above avgNationally 2.81%
Details

Certificate rates effective 12:00 am on Wednesday, September 30, 2026

Rate History
No change since Oct 4, 2026 · 3.74% APY · checked 3 times
3.24%3.74%4.24%Oct 4, 2026: 3.74% APYOct 4, 2026Oct 25, 2026
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
48 Month Share Certificate
$500
3.71% ▲ 1.04% above Ohio avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▲ 1.04% above avgNationally 2.81%
Details

Dividend rate 3.65%; APY assumes monthly dividends; penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.40% → 3.71% ▲ 0.31 pts · high 3.71% / low 3.40%
2.90%3.55%4.21%Sep 14, 2026: 3.40% APYSep 25, 2026: 3.61% APYOct 23, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.71%▲ from 3.61%
  • Sep 25, 20263.61%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
48 Month Certificate
$500
3.60% ▲ 0.93% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 0.93% above avgNationally 2.81%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.60% ▼ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.85% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.60%▼ from 3.85%
  • Sep 14, 20263.85%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
48 Month Term IRA
$250
3.60% ▲ 0.93% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 0.93% above avgNationally 2.81%
Details

Everyday APY

Rate History
2 changes since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.85% / low 3.35%
2.85%3.60%4.35%Sep 14, 2026: 3.35% APYSep 18, 2026: 3.85% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.60%▼ from 3.85%
  • Sep 18, 20263.85%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
152 E Broad St, Columbus, OH 43215
48 Month Regular Certificate
$500
3.60% ▲ 0.93% above Ohio avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 0.93% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
48 Month Regular Certificates
$0
3.35% ▲ 0.68% above Ohio avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 21, 2026: 3.35% APYSep 21, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
IRA Share Certificates - 48 Month
$0
3.35% ▲ 0.68% above Ohio avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 48 Month Certificate
$0
3.30% ▲ 0.63% above Ohio avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 0.63% above avgNationally 2.81%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
48 Month Certificate
$0
3.25% ▲ 0.58% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 0.58% above avgNationally 2.81%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Business Certificate of Deposit - 48 Month Certificate
$0
3.25% ▲ 0.58% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 0.58% above avgNationally 2.81%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Greater Wayne Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
929 Harrison Ave Ste 200, Columbus, OH 43215
48 Month Share Certificate
$0
1.80% ▼ 0.87% below Ohio avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.67%▼ 0.87% below avgNationally 2.81%
Details

$1,000 Minimum

Rate History
No change since Oct 22, 2026 · 1.80% APY · checked 2 times
1.30%1.80%2.30%Oct 22, 2026: 1.80% APYOct 22, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
4 Year Certificate of Deposit
$500
1.15% ▼ 1.52% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 1.52% below avgNationally 2.81%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 9 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
4 Year IRA Certificate of Deposit
$500
1.15% ▼ 1.52% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 1.52% below avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Sep 27, 2026: 1.15% APYSep 27, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
48 Month CD
$500
0.80% ▼ 1.87% below Ohio avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 1.87% below avgNationally 2.81%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 0.80% APY · checked 9 times
0.30%0.80%1.30%Sep 9, 2026: 0.80% APYSep 9, 2026Oct 25, 2026
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1760 W Lane Ave, Columbus, OH 43221
Certificate of Deposit - 48 months
$500
0.30% ▼ 2.37% below Ohio avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.67%▼ 2.37% below avgNationally 2.81%
Details

Penalty: 12 months; Frequency of Compounding: Daily; Interest rate fixed for the term

Rate History
No change since Oct 14, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 14, 2026: 0.30% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.64% below Ohio avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 2.64% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 48 Months
$250
0.03% ▼ 2.64% below Ohio avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 2.64% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.65% below Ohio avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 2.65% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 48 Months
$250
0.02% ▼ 2.65% below Ohio avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 2.65% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 2.66% below Ohio avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 2.66% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 48 Months
$250
0.01% ▼ 2.66% below Ohio avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.67%▼ 2.66% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
48 Month Share Certificates
$500
4.86% ▲ 2.19% above Ohio avg
View
▼
Rate4.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 2.19% above avgNationally 2.81%
Details

Minimum deposit of $500 required.

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

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

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

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

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

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

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

Rates effective August 5, 2026

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

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

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
2.85%4.05%5.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.45%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month Certificate/IRA
$500
4.25% ▲ 1.58% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.67%▲ 1.58% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.80%
  • Sep 14, 20263.80%first recorded

Columbus 60 Month CD Rates

Ohio 60 Month CD Average2.78% APYNational 2.92%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Business Certificate Standard - ConnectMORE
$500
4.30% ▲ 1.52% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.52% above avgNationally 2.92%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Standard Certificate - ConnectMORE
$500
4.25% ▲ 1.47% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.47% above avgNationally 2.92%
Details

ConnectMORE APY; requires ConnectMORE Royal Rewards program

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
60 Month Certificate
$500
4.20% ▲ 1.42% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

KEMBA Advantage APY; Advantage status required to earn higher rates

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
60 Month Term IRA
$250
4.20% ▲ 1.42% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.42% above avgNationally 2.92%
Details

KEMBA Advantage APY

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

Everyday APY

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

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

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
60 Month Standard Certificate
$500
4.15% ▲ 1.37% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.37% above avgNationally 2.92%
Details

Everyday APY

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

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

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

Balance: Over $75,000

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

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

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

Certificate Rates

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

Minimum balance $500

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

Minimum balance $500

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

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
150 E Mound St, Columbus, OH 43215
Share Certificate - 60 months
$0
4.04% ▲ 1.26% above Ohio avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.26% above avgNationally 2.92%
Details

Balance: $500 - $14,999.99

Rate History
1 change since Sep 25, 2026 · 3.69% → 4.04% ▲ 0.35 pts · high 4.04% / low 3.69%
3.19%3.87%4.54%Sep 25, 2026: 3.69% APYOct 23, 2026: 4.04% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.04%▲ from 3.69%
  • Sep 25, 20263.69%first recorded
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
4.00% ▲ 1.22% above Ohio avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▲ 1.22% above avgNationally 2.92%
Details

Effective 10/07/26

Rate History
1 change since Sep 14, 2026 · 1.35% → 4.00% ▲ 2.65 pts · high 4.00% / low 1.35%
0.00%3.33%6.65%Sep 14, 2026: 1.35% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.00%▲ from 1.35%
  • Sep 14, 20261.35%first recorded
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
60 Month Business CD
$500
4.00% ▲ 1.22% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.22% above avgNationally 2.92%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Telhio Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.81%
330 Rush Aly Ste 500, Columbus, OH 43215 3931
Certificate of Deposit (CD) - 60 Months
$500
4.00% ▲ 1.22% above Ohio avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.22% above avgNationally 2.92%
Details

Rates effective Midnight on Tuesday October 13th, 2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
5665 N Hamilton Rd, Columbus, OH 43230
60 Month Certificate
$500
4.00% ▲ 1.22% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 1.22% above avgNationally 2.92%
Details

Certificate Rates

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
760 Kinnear Rd, Columbus, OH 43212 1488
60 Month Share Certificate
$0
3.79% ▲ 1.01% above Ohio avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 1.01% above avgNationally 2.92%
Details

Certificate rates effective 12:00 am on Wednesday, September 30, 2026

Rate History
No change since Oct 4, 2026 · 3.79% APY · checked 3 times
3.29%3.79%4.29%Oct 4, 2026: 3.79% APYOct 4, 2026Oct 25, 2026
First Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1660 Holt Rd, Columbus, OH 43228 3649
60 Month Term Share Certificate
$0
3.76% ▲ 0.98% above Ohio avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 0.98% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 6 Month Dividend; Dividend Period: Monthly

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 14, 2026: 3.66% APYSep 21, 2026: 3.76% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20263.76%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
State Highway Patrol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1900 Polaris Pkwy Ste 400, Columbus, OH 43240 4035
60 Month Share Certificate
$500
3.76% ▲ 0.98% above Ohio avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 0.98% above avgNationally 2.92%
Details

Dividend rate 3.70%; APY assumes monthly dividends; penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.76% ▲ 0.31 pts · high 3.76% / low 3.45%
2.95%3.61%4.26%Sep 14, 2026: 3.45% APYSep 25, 2026: 3.66% APYOct 23, 2026: 3.76% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.76%▲ from 3.66%
  • Sep 25, 20263.66%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Credit Union of Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
152 E Broad St, Columbus, OH 43215
60 Month Regular Certificate
$500
3.75% ▲ 0.97% above Ohio avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.97% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
60 Month Certificate
$500
3.70% ▲ 0.92% above Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.92% above avgNationally 2.92%
Details

Everyday APY

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.70% ▼ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.80% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.70%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
4220 E Broad St, Columbus, OH 43213
60 Month Term IRA
$250
3.70% ▲ 0.92% above Ohio avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.92% above avgNationally 2.92%
Details

Everyday APY

Rate History
2 changes since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.80% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.70%▼ from 3.80%
  • Sep 18, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
CD Specials - 60 Month
$0
3.50% ▲ 0.72% above Ohio avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 0.72% above avgNationally 2.92%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4960 E Dublin Granville Rd, Columbus, OH 43081
Certificate of Deposit - 60 Month
$10,000
3.50% ▲ 0.72% above Ohio avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▲ 0.72% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
60 Month Regular Certificates
$0
3.35% ▲ 0.57% above Ohio avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.57% above avgNationally 2.92%
Details

Rate History
No change since Sep 21, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 21, 2026: 3.35% APYSep 21, 2026Oct 25, 2026
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
363 E Town St, COLUMBUS, OH 43215 4774
IRA Share Certificates - 60 Month
$0
3.35% ▲ 0.57% above Ohio avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.57% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 60 Month Certificate
$0
3.30% ▲ 0.52% above Ohio avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.52% above avgNationally 2.92%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
60 Month Certificate
$0
3.25% ▲ 0.47% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.47% above avgNationally 2.92%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Business Certificate of Deposit - 60 Month Certificate
$0
3.25% ▲ 0.47% above Ohio avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.47% above avgNationally 2.92%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15% ▲ 0.37% above Ohio avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.37% above avgNationally 2.92%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; variable rate certificate; Dividend Rate 3.11%

Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
690 Schrock Rd, Columbus, OH 43229 1123
60 Month Variable Rate Certificate
$0
3.10% ▲ 0.32% above Ohio avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 0.32% above avgNationally 2.92%
Details

Variable rate certificate; APY is variable; rate may change twice during the term and may increase or decrease but never below the rate earned on issue date; adjusts to current like-term fixed rate less a .25% margin for 60 months; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Greater Wayne Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
929 Harrison Ave Ste 200, Columbus, OH 43215
60 Month Share Certificate
$0
2.00% ▼ 0.78% below Ohio avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Ohio Average2.78%▼ 0.78% below avgNationally 2.92%
Details

$1,000 Minimum

Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
5 Year Certificate of Deposit
$500
1.25% ▼ 1.53% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 1.53% below avgNationally 2.92%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1221 Georgesville Rd, Columbus, OH 43228
5 Year IRA Certificate of Deposit
$500
1.25% ▼ 1.53% below Ohio avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 1.53% below avgNationally 2.92%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
5600 N Hamilton Rd, Columbus, OH 43230
60 Month CD
$500
0.85% ▼ 1.93% below Ohio avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 1.93% below avgNationally 2.92%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 0.85% APY · checked 9 times
0.35%0.85%1.35%Sep 9, 2026: 0.85% APYSep 9, 2026Oct 25, 2026
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
1760 W Lane Ave, Columbus, OH 43221
Certificate of Deposit - 60 months
$500
0.30% ▼ 2.48% below Ohio avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Ohio Average2.78%▼ 2.48% below avgNationally 2.92%
Details

Penalty: 12 months; Frequency of Compounding: Daily; Interest rate fixed for the term

Rate History
No change since Oct 14, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 14, 2026: 0.30% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 2.75% below Ohio avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 2.75% below avgNationally 2.92%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 60 Months
$250
0.03% ▼ 2.75% below Ohio avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 2.75% below avgNationally 2.92%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 60 Months
$1,000
0.02% ▼ 2.76% below Ohio avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 2.76% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 60 Months
$250
0.02% ▼ 2.76% below Ohio avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 2.76% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
Certificate of Deposit - 60 Months
$1,000
0.01% ▼ 2.77% below Ohio avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 2.77% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
155 E Broad St, Columbus, OH 43215
IRA CD 60 Months
$250
0.01% ▼ 2.77% below Ohio avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Ohio Average2.78%▼ 2.77% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
60 Month IRA Certificates
$500
5.06% ▲ 2.28% above Ohio avg
View
▼
Rate4.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Ohio Average2.78%▲ 2.28% above avgNationally 2.92%
Details

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

Minimum deposit of $500 required.

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

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

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

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

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

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.75% ▲ 0.95 pts · high 4.75% / low 3.80%
2.85%4.28%5.70%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.75% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.75%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Columbus, Ohio Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
First Bank of Central Ohio
Certificate of Deposit - 12 months
A+ 5.0 ★ TX: 0.37%
Min: $500
4.30%
First Merchants Bank
24 Month CD/IRA Special
A+ 5.0 ★ TX: 4.12%
Min: $0
4.25%
Civista Bank
24 Month CD Special
A+ 5.0 ★ TX: 4.72%
Min: $500
4.00%
First Federal S&L Newark, OH
5 Year CD
A 5.0 ★ TX: 6.79%
Min: $500
4.00%
CF Bank
CD Specials - 12 Month
A+ 5.0 ★ TX: 5.55%
Min: $0
4.00%
CU Top 5 Credit Union Rates
Bridge Credit Union
60 Month Business Certificate Standard - ConnectMORE
A+ 5.0 ★ TX: 4.65%
Min: $500
4.30%
Kemba Financial Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 3.32%
Min: $500
4.20%
Abbott Laboratories Credit Union
24 Month Variable Rate Certificate
A+ 5.0 ★ TX: 0.42%
Min: $0
4.17%
Education First Credit Union Inc
Certificate - 60 Month
A 5.0 ★ TX: 13.58%
Min: $500
4.15%
CME Federal Credit Union
Share Certificate - 60 months
A+ 5.0 ★ TX: 5.42%
Min: $0
4.14%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

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

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

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

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

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

OH CD Rate Forecast, Next 12 Months

Where are Ohio CD rates headed through October 2027?

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

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

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

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

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

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

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What Your Savings Earn at OH CD Rates Today

Annual interest earnings at today’s Ohio average APYs. State average used where available; national average as fallback.

CD Term OH Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.671% $83.57 $167.14 $417.85 $835.70
6-Month CD 2.796% $139.80 $279.60 $699.00 $1,398.00
12-Month CD 3.151% $157.57 $315.14 $787.85 $1,575.70
18-Month CD 2.859% $142.96 $285.92 $714.80 $1,429.60
24-Month CD 2.926% $146.29 $292.57 $731.43 $1,462.85
36-Month CD 2.702% $135.10 $270.19 $675.48 $1,350.95
48-Month CD 2.673% $133.63 $267.25 $668.13 $1,336.25
60-Month CD 2.785% $139.24 $278.48 $696.20 $1,392.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
Powered byMonitorBankRates

Sample CD Ladder for 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.

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

Ladder example uses equal $5,000 rungs and Ohio average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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2,153
CD Rates
Tracked in Columbus, Ohio
42 Banks 77 Credit Unions

About Our Columbus, Ohio CD Rate Database

MonitorBankRates tracks 2,153 CD rates from 42 banks and 77 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: 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 77 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: 119 institutions here report CD rates

Consider an Alternative If…

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
$131/yr
At OH 12-mo avg 3.151% 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 3.151%, saving 10% of the local median salary ($4,168/year) and putting it in a CD would earn an additional $131 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in 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, CF Bank is offering its CD Specials - 6 Month at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bridge Credit Union is offering its 60 Month Business Certificate Standard - ConnectMORE at 4.30% 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 (Certificate of Deposit - 12 months)
  • Bridge Credit Union: 4.30% APY (60 Month Business Certificate Standard - ConnectMORE)
  • First Merchants Bank: 4.25% APY (24 Month CD/IRA Special)
  • Kemba Financial Credit Union: 4.20% APY (60 Month Certificate)
  • Abbott Laboratories Credit Union: 4.17% APY (24 Month Variable Rate Certificate)
  • Education First Credit Union Inc: 4.15% APY (Certificate - 60 Month)
  • CME Federal Credit Union: 4.14% APY (Share Certificate - 60 months)
  • Pathways Financial Credit Union: 4.10% APY (60 Month Certificate)
  • Civista Bank: 4.00% APY (24 Month CD Special)
  • First Federal S&L Newark, OH: 4.00% APY (5 Year CD)
Rates reflect recent verified offers available in Columbus, Ohio. Last Updated: October 23, 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

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Columbus, Ohio CD Rates by Term

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

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 Ladder

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

Early Withdrawal Penalty

Before locking into a Columbus, Ohio CD at 4.30% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Ohio’s average 12-month CD is 3.151% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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: October 23, 2026

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