Dayton, Ohio CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Dayton, Ohio CD rates include Code Credit UnionCode Credit Union355 W Monument Ave, Dayton, OH 45402A5.0 ★Texas Ratio: 7.75%Real return: +1.20%APY minus CPI (February 2026) offering Traditional IRA Certificate 48 Months at 4.00% APY, Firefighters And Company Federal Credit UnionFirefighters And Company Federal Credit Union338 S Patterson Blvd, Dayton, OH 45402 2845A5.0 ★Texas Ratio: 9.45%Real return: +1.20%APY minus CPI (February 2026) offering 48 mo IRA Share Certificate at 4.00% APY, River Valley Credit Union Miamisburg, OHRiver Valley Credit Union Miamisburg, OH3927 Indian Ripple Rd, Dayton, OH 45440 3449A+5.0 ★Texas Ratio: 3.77%Real return: +1.10%APY minus CPI (February 2026) offering IRA Certificates 60 months at 3.90% APY, KH Credit UnionKH Credit Union7740 Paragon Rd, Dayton, OH 45459A+5.0 ★Texas Ratio: 0.73%Real return: +1.09%APY minus CPI (February 2026) offering 48 Months Share Certificates of Deposits at 3.89% APY, and Bridge Credit UnionBridge Credit Union409 E Monument Ave, Dayton, OH 45402A+5.0 ★Texas Ratio: 1.91%Real return: +1.05%APY minus CPI (February 2026) offering Certificates Promo 18 Months at 3.85% APY. CD rates as of June 9, 2026 according to verified data from MonitorBankRates.
Dayton has 133 local institutions in our database, with CD rates as high as 4.00% APY from Code Credit Union at 355 W Monument Ave, Dayton, OH 45402. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Ohio area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 9, 2026
Compare Best CD Rates in Dayton, Ohio & the Surrounding Area
Dayton 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Early withdrawals subject to penalty*
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
3 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
3-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
IRA 3-Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
3 Months Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 & Over
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
KEMBA Advantage APY
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Month Term IRA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
KEMBA Advantage APY
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
3 Months Share Certificates
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000 - $49,999
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
90 Day Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 3 months
$50,000
3.09%
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Over $50,000
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Month Term IRA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Everyday APY
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Everyday APY
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
3 mo. Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 3 months
$500
2.99%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 - $14,999.99
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
3 Month Term Share Certificates
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
3 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3 Month Certificate
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
IRA 3 Month Certificate
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 5, 2026
Details
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.81%
3 Month IRA Certificates
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Millstream Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
3 Months Share/IRA Certificate Accounts
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Millstream Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Share/IRA Certificate Accounts 3 Months
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
3 Month Certificate
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
Certificate of Deposit 3 month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
3 Month Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Northwestern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Month
$0
0.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
3 Month Certificate
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity.
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 3-Month
$500
0.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
FNB of Pandora
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Term - 90-Day Relationship Bump-up
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Relationship Bump-up Interest Rate: 0.65% APY
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Standard Certificates 3 Month
$0
0.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CLEARVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Business Certificate 3 Months
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Stark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
Growth Certificate (Less than 90 Days
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$10,000
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
CD Specials 90 day
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Share Certificate of Deposit (CD) 90 day
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First Federal Community Bank N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
3 Months
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000 - $99,999.99
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Dayton 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
8512 N Dixie Dr, Dayton, OH 45414
6 Month Special
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
6 Months Share Certificates of Deposits
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
338 S Patterson Blvd, Dayton, OH 45402 2845
6 mo IRA Share Certificate
$0
3.77%
▼
Rate3.71%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
IRA Certificates 6 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
6 months Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
Certificates 6 months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
6 Months Share Certificates of Deposit
$5,000
3.55%
▼
Rate3.49%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 6 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 6 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 6 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 6 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5651 Far Hills Ave, Dayton, OH 45429
6 MONTH
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
BSE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
7915 Washington Woods Dr, Dayton, OH 45459
Share Certificates 6 Month
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
6 Month Share Certificate
$0
4.16%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
6 Months Certificates
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
6 Months Certificates of Deposit (CD)
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificates of Deposit 6 months
$0
4.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedJun 5, 2026
Details
Compound Method: Simple; Early Withdraw Penalty: 3 Months Interest
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
6 Month Regular/IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Months Share Certificate
$50,000
3.80%
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Firefighters Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity.
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Share Certificate 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Achieve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Share Certificates IRA 6 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Early withdrawals subject to penalty*
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
6 Month Certificate
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
6 Month Term Share Certificates
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
6 Month Certificate
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
IRA 6 Month Certificate
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
6 Months Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
6 Month Certificate
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 31, 2026
Details
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
CD Specials 6 mo.
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Certificates of Deposit 6 Months Charm
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Share Certificate of Deposit (CD) 6 month
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 6 months
$50,000
3.61%
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Over $50,000
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
6-Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
IRA 6-Month Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificate Account 6 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificates (CDs) 6 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Your Legacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
6 Months Share Certificates
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
The Peoples S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$2,500
3.55%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedJun 4, 2026
Details
A penalty will be imposed for early withdrawal.
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
6 Month Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Dayton 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
338 S Patterson Blvd, Dayton, OH 45402 2845
12 mo IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
12 Months Share Certificates of Deposits
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
IRA 12 Months
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
IRA Certificates 12 months (Bump one time)**
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
12 months Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bump one time
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
Certificates 12 months (Bump one time)**
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 12 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 12 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
IRA Certificates 12 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 12 Months Smart Saver
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 12 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Roth IRA Certificate 12 Months Smart Saver
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Roth IRA Certificate 12 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 12 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
12 Months Smart Saver Share Certificates of Deposit
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
12 Months Share Certificates of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 12 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 12 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
8512 N Dixie Dr, Dayton, OH 45414
1 Year
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
IRA Certificates 12 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 12 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 12 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5651 Far Hills Ave, Dayton, OH 45429
12 MONTH
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
BSE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
7915 Washington Woods Dr, Dayton, OH 45459
Share Certificates 12 Month
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedJun 1, 2026
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Month Certificate
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificates of Deposit 1 year
$0
4.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Bank of Central Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 months
$500
4.10%
▼
Rate4.02%
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
12 Months Certificates
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
12 Months Certificates of Deposit (CD)
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
NEW MONEY GenGrow 12-month CD
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Easy Save IRA Certificate 12 month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
United Midwest Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12-Month IRA Certificate
$0
3.93%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12-Month Share Certificate
$0
3.93%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
12 Month Regular/IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Home Loan SB
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
12 Month IRA Certificate
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJun 4, 2026
Details
SPECIAL
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
12 Month Share Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
SPECIAL
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months Term Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rates for $25,000 new fund maximum or funds already on deposit
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Term Certificates 12 Months
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
*RATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT**; effective 2/09/2026
First Federal S&L of Van Wert
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Compound Frequency: Monthly, Quarterly
F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Months
$100,000
3.81%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedJun 5, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 12-Month
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
12-Month Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details
Rates effective as of June 5, 2026.
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
The Peoples S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 4, 2026
Details
A penalty will be imposed for early withdrawal.
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Dayton 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
338 S Patterson Blvd, Dayton, OH 45402 2845
18 mo IRA Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Certificates Promo 18 Months
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
IRA Certificates 18 months (Bump one time)**
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
18 Month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Certificates Promo 18 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
18 months Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bump one time
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
Certificates 18 months (Bump one time)**
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
8530 N Dixie Dr, Dayton, OH 45414
18-month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
8530 N Dixie Dr, Dayton, OH 45414
18-month Term
$100,000
3.65%
▼
Rate3.59%
Min Deposit$100,000
Min Balance—
UpdatedJun 4, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 18 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Roth IRA Certificate 18 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
18 Months Share Certificates of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
8530 N Dixie Dr, Dayton, OH 45414
18-month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
8530 N Dixie Dr, Dayton, OH 45414
18-month Term
$5,000
3.50%
▼
Rate3.44%
Min Deposit$5,000
Min Balance—
UpdatedJun 4, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 18 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
8512 N Dixie Dr, Dayton, OH 45414
18 Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 18 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 18 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
8530 N Dixie Dr, Dayton, OH 45414
18-month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
8530 N Dixie Dr, Dayton, OH 45414
18-month Term
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 4, 2026
Details
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5651 Far Hills Ave, Dayton, OH 45429
18 MONTH
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificates of Deposit 18 months
$0
4.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
18 Months Certificates of Deposit (CD)
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
18 Months Certificates
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
IRA Certificates 18 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Standard Certificates 18 Month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 18 Months Platinum
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 18 Months Gold
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
18 Month Regular/IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 18 Months Silver
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Ohio Valley Bank Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 MONTH IRA / ROTH TDOA
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 18-Month
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 18-month bump
$50,000
3.79%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Over $50,000
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Term Certificates 18 Months
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
*RATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT**; effective 2/09/2026
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months Term Certificates
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rates for $25,000 new fund maximum or funds already on deposit
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New money only; Alero Financial membership required
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month IRA / Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 18 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Geauga Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.24%
Share Certificates 18 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
18 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
Limited Time CD Special! *APY=Annual Percentage Yield
Miami University Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Months Special CD
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 18-month bump
$500
3.69%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 - $14,999.99
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificate Account 18 months
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificates (CDs) 18 months
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Your Legacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
18 Months Share Certificates
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
FIRELANDS
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
18 months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
18 Month Certificate
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 31, 2026
Details
Dayton 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
24 Months Share Certificates of Deposits
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
IRA 24 Months
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
338 S Patterson Blvd, Dayton, OH 45402 2845
24 mo IRA Share Certificate
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
IRA Certificates 24 months (Bump one time)**
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
24 months Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bump one time
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
Certificates 24 months (Bump one time)**
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
24 Months Share Certificates of Deposit
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
24 Months Youth Club Share Certificate Share Certificates of Deposit
$250
3.45%
▼
Rate3.40%
Min Deposit$250
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 24 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Roth IRA Certificate 24 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 24 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 24 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
8512 N Dixie Dr, Dayton, OH 45414
2 Year
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 24 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
IRA Certificates 24 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 24 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 24 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
IRA Certificates 24 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 24 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 24 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5651 Far Hills Ave, Dayton, OH 45429
24 MONTH
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificates of Deposit 2 year
$0
4.36%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
24 Months Certificates
$500
4.31%
▼
Rate4.25%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
24 Months Certificates of Deposit (CD)
$500
4.31%
▼
Rate4.25%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 24 Months Platinum
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
24 Month Regular/IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 24 Months Gold
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 24-Month
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates Minimum 24 months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$500
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24-Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24-Month Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 24 Months Silver
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
24-Month Add-On
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 24-Month Add-On
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 7, 2026
Details
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months Term Certificates
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rates for $25,000 new fund maximum or funds already on deposit
St James Parish Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Term Certificates 24 Months
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
*RATES FOR $25,000 NEW FUNDS MAXIMUM OR FUNDS ALREADY ON DEPOSIT**; effective 2/09/2026
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
24 Month IRA / Share Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
24 Months Certificates
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 24 months
$50,000
3.68%
▼
Rate3.62%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Over $50,000
Your Legacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
24 Months Share Certificates
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
24 MONTH CERTIFICATE
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
IRA 24 month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Certificates of Deposit 24 Months Charm
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 24 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
24 Month Certificate
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 31, 2026
Details
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificate Account 24 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificates (CDs) 24 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Dayton 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
338 S Patterson Blvd, Dayton, OH 45402 2845
36 mo IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
36 Months Share Certificates of Deposits
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
IRA 36 Months
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
IRA Certificates 36 months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
36 months Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
Certificates 36 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
36 Months Share Certificates of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 36 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Roth IRA Certificate 36 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 36 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 36 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
IRA Certificates 36 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 36 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 36 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 36 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
IRA Certificates 36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
8512 N Dixie Dr, Dayton, OH 45414
3 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5651 Far Hills Ave, Dayton, OH 45429
36 MONTH
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificates of Deposit 3 year
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
36 Month Freedom Regular/IRA Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
36 Month Regular/IRA Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 36-Month
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
IRA 36 month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
36-Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
36-Month Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
36 Months Platinum
$10,000
3.80%
▼
Rate3.73%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 36 Months Platinum
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
36 MONTH CERTIFICATE
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
36 Months Gold
$10,000
3.75%
▼
Rate3.69%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 36 Months Gold
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Your Legacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
36 Months Share Certificates
$500
3.72%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
36 Months Certificates
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
36 Months Silver
$10,000
3.70%
▼
Rate3.64%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 36 Months Silver
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
36 Month IRA / Share Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
36 Month Term Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificates 36 Month
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Certificates of Deposit 36 Months Charm
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
36 Month Certificate
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 31, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 36 months
$50,000
3.64%
▼
Rate3.58%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Over $50,000
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
IRA Certificates 36 month
$2,000
3.61%
▼
Rate3.56%
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
The Peoples S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate of Deposit
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 4, 2026
Details
A penalty will be imposed for early withdrawal.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
36 Month Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
IRA Share Certificates of Deposit 3 year
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
3 year Share Certificates of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 36 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Dayton 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
48 Months Share Certificates of Deposit
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
338 S Patterson Blvd, Dayton, OH 45402 2845
48 mo IRA Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Educational IRA 48 Months
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 48 Months
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Roth IRA Certificate 48 Months
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
48 Months Share Certificates of Deposits
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
IRA 48 Months
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
IRA Certificates 48 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
48 months Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
Certificates 48 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 48 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 48 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 48 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 48 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 48 Months
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 48 Months
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
8512 N Dixie Dr, Dayton, OH 45414
4 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5651 Far Hills Ave, Dayton, OH 45429
48 MONTH
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
48 Month Regular/IRA Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
48 Month Certificate
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 48-Month
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Certificates of Deposit 48 Months Charm
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
48-Month Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
48-Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Your Legacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
48 Months Share Certificates
$500
3.77%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
48 Months Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
48 Month Certificate
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 31, 2026
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month IRA / Share Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
48 Months Platinum
$10,000
3.70%
▼
Rate3.64%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 48 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
48 Months Gold
$10,000
3.65%
▼
Rate3.59%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 48 Months Gold
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
48 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
IRA Certificates 48 month
$2,000
3.61%
▼
Rate3.56%
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
IRA Share Certificates of Deposit 4 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
4 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 48 Months Silver
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
48 Months Silver
$10,000
3.60%
▼
Rate3.54%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 48 months
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Over $50,000
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
48 MONTH CERTIFICATE
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
48 Month Certificate/IRA
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
48 Months Share Certificates
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Miami University Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 Months CD
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificate Account 48 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificates (CDs) 48 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 48 months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 - $14,999.99
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
48 Month Term Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Dayton 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
338 S Patterson Blvd, Dayton, OH 45402 2845
60 mo IRA Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
IRA Certificates 60 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
60 Months Share Certificates of Deposits
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
IRA 60 Months
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
60 months Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3927 Indian Ripple Rd, Dayton, OH 45440 3449
Certificates 60 months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 60 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 60 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Business Certificates Standard 60 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 60 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Standard Certificates 60 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
409 E Monument Ave, Dayton, OH 45402
Second Chance Certificates 60 Months
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Monroe Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
8512 N Dixie Dr, Dayton, OH 45414
5 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5651 Far Hills Ave, Dayton, OH 45429
60 MONTH
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
60 Month Regular/IRA Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
IRA Certificate 60-Month
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Certificates of Deposit 5 year
$0
4.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
60 Months Certificates of Deposit (Regular & IRAs)
$50,000
3.82%
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
Your Legacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
60 Months Share Certificates
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
Certificates of Deposit 60 Months Charm
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
60 Months Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
60 Month Certificate
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 31, 2026
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month IRA / Share Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
IRA Certificates 60 month
$2,000
3.66%
▼
Rate3.61%
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
Unity Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
IRA Share Certificate (5 Year)
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
5 year Share Certificates of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
IRA Share Certificates of Deposit 5 year
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
60 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
60 Month Certificate/IRA
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Miami University Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Months CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
60 Months Platinum
$10,000
3.60%
▼
Rate3.54%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 60 Months Platinum
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Share Certificates & IRA Certificates 60 months
$50,000
3.59%
▼
Rate3.53%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Over $50,000
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificate Account 60 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Impact Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Share Certificates (CDs) 60 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
60 MONTH CERTIFICATE
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
60 Months Certificates of Deposit (Regular & IRAs)
$10,000
3.56%
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
60 Months Share Certificates
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
60 Month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
60 Months Gold
$10,000
3.55%
▼
Rate3.49%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 60 Months Gold
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
IRA Share Certificates of Deposit 2.5 year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
2.5 year Share Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
IRA & HSA Certificates 60 Months Silver
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Dayton, OH CD Rate Trends
Compare local Dayton, OH CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — OH Avg
2.904%
▲ 0.046 vs 7 days ago
Ohio 12-month CD rates rose 0.046 points over the past 7 days to 2.904% APY.
6-Month CD — OH Avg
2.657%
▲ 0.062 vs 7 days ago
Ohio 6-month CD rates rose 0.062 points over the past 7 days to 2.657% APY.
As of Jun 9, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OH CD Rate Forecast — Next 12 Months
Where are Ohio CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OH 12-Month Avg APY
2.904%
6-Month Forecast
2.904%
Range: 2.70% – 3.05%
12-Month Forecast
2.654%
Range: 2.45% – 2.80%
Powered by
MonitorBankRates
What Your Savings Earn at OH CD Rates Today
Annual interest earnings at today’s Ohio average APYs. State average used where available; national average as fallback.
| CD Term | OH Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.142% | $107.11 | $214.22 | $535.55 | $1,071.10 |
| 6-Month CD | 2.657% | $132.87 | $265.74 | $664.35 | $1,328.70 |
| 12-Month CD | 2.904% | $145.22 | $290.43 | $726.08 | $1,452.15 |
| 18-Month CD | 2.712% | $135.59 | $271.17 | $677.93 | $1,355.85 |
| 24-Month CD | 2.837% | $141.84 | $283.67 | $709.18 | $1,418.35 |
| 36-Month CD | 2.723% | $136.17 | $272.33 | $680.83 | $1,361.65 |
| 48-Month CD | 2.682% | $134.10 | $268.20 | $670.50 | $1,341.00 |
| 60-Month CD | 2.712% | $135.59 | $271.18 | $677.95 | $1,355.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 9, 2026. | |||||
Sample CD Ladder for Dayton, Ohio Savers
$25,000 split equally across 5 terms using today’s Ohio average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.142% | $107.11 |
| 2 | 6-Month CD | $5,000 | 2.657% | $132.87 |
| 3 | 12-Month CD | $5,000 | 2.904% | $145.22 |
| 4 | 24-Month CD | $5,000 | 2.837% | $141.84 |
| 5 | 36-Month CD | $5,000 | 2.723% | $136.17 |
| Total ($25,000 invested) | $25,000 | 2.653% blended | $663.21/yr | |
Ladder example uses equal $5,000 rungs and Ohio average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,206
CD Rates
Tracked in Dayton, Ohio
Tracked in Dayton, Ohio
35 Banks
76 Credit Unions
About Our Dayton, Ohio CD Rate Database
MonitorBankRates tracks 1,206 CD rates from 35 banks and 76 credit unions with locations in Dayton, Ohio, plus national online institutions available to Ohio residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Code Credit Union offers a CD at 4.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Dayton, Ohio.
How to Find the Best CD Rates in Dayton, Ohio
What to compare when shopping for a CD in Dayton, Ohio
To find the best APYs in Dayton, Ohio, start with credit unions and online-only banks — Dayton, Ohio has 76 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 Dayton, 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 Dayton, Ohio — 111 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Dayton, Ohio savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Dayton, Ohio money market rates
Dayton, Ohio Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
14.1%
National avg: 17.3%
Median Individual Earnings
$30,758
National avg: $47,340
Poverty Rate
26.9%
National avg: 11.1%
Unemployment Rate
8.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$89/yr
At OH 12-mo avg 2.904% APY
14.1% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 8.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s OH 12-month CD average of 2.904%, saving 10% of the local median salary ($3,075/year) and putting it in a CD would earn an additional $89 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 Dayton, Ohio
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Dayton, 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 Dayton, 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 Dayton, Ohio as everywhere in the U.S.
Choosing a CD Term in Dayton, 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 Dayton, Ohio savers easier access to their funds. For example, Monroe Federal S&L is offering its 6 Month Special at 3.80% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Firefighters And Company Federal Credit Union is offering its 60 mo IRA Share Certificate at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Dayton, 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 Dayton, 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 Dayton, 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 Dayton, 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 Dayton, Ohio
Most CDs carry a fixed rate that is locked for the entire term, protecting a Dayton, 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 Dayton, Ohio
Are CD rates in Dayton, Ohio FDIC insured?
Yes, most established banks in Dayton, 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 Dayton, 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 Dayton, 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 Dayton, 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 Dayton, Ohio?
Here are recent top rates found for this area:
- Code Credit Union: 4.00% APY (Traditional IRA Certificate 48 Months)
- Firefighters And Company Federal Credit Union: 4.00% APY (60 mo IRA Share Certificate)
- River Valley Credit Union Miamisburg, OH: 3.90% APY (IRA Certificates 60 months)
- KH Credit Union: 3.89% APY (48 Months Share Certificates of Deposits)
- Bridge Credit Union: 3.85% APY (Certificates Promo 18 Months)
- Monroe Federal S&L: 3.80% APY (6 Month Special)
- Minster Bank: 3.65% APY (18-month Term)
- USB Union Savings Bank: 0.60% APY (60 MONTH)
- BSE Credit Union: 0.02% APY (Share Certificates 12 Month)
- GLASS CITY: 5.00% APY (12 Month Youth CD)
Rates reflect recent verified offers available in Dayton, Ohio. Last Updated: June 9, 2026
CD Calculators for Dayton, Ohio
Dayton, Ohio CD Calculator
At today’s OH top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Dayton, Ohio CD LadderOH CD rates currently range from 2.142% (3-month) to 2.723% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Dayton, Ohio CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsOhio’s average 12-month CD is 2.904% 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 Dayton, 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 Dayton, 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 Dayton, 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: June 9, 2026
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